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    • It is already trespass, nothing further needed to make out trespass. Not sure where ‘interference with goods’ helps you / how you’d bring a claim for that that stops them parking there.
    • Thanks Dx,    For some further information, the holiday was booked as a package holiday for 2. One of the 2 had to be changed, and changing costs £700 for a new flight as "tickets had been issued and they cant do a name change". I cant quite figure out how compensation works for things when it comes to package holidays.    From what I can tell  - The plane was due to land in Turks and Caicos to drop off passengers, something happened during descent, resulting in technical fault.  - The rest of the original flight from Turks & Caicos -> Montego Bay was cancelled  - A New flight was put on today, which was then delayed by 1.5hrs aswell  - Hotel was provided for the night after much hassle.  - 1.5 days, 2 evenings of holiday lost  If I understand correctly, since the original flight (LHR -> Turks -> Montego Bay) was cancelled, they are both entitled to a refund on that full flight? I can't quite work out if they are only entitled to a refund for the equivalent of Turks -> Montego Bay, or for the full LHR->Turks->Montego Bay, since it was issued as one ticket/all Virgin, and they should have arrived yesterday..?)  I can't work out how to get the cost of that compensation, or whether its a set figure, and how the loss of days of holiday is factored in   I am aware:  If you received less than 14 days’ notice of the cancellation, you are generally due compensation, awarded in pounds or euros depending on where your flight was due to depart from, according to the following scale: £220 / €250 for all flights of 1,500km or less (e.g. Glasgow to Amsterdam); £350 / €400 for all flights between 1,500km and 3,500km (e.g. East Midlands to Marrakech); £520 / €600 for all other flights (e.g. London to New York). Compensation will be reduced by 50% if the arrival time of the replacement flight doesn’t exceed the arrival time of the original flight by: two hours for flights of 1,500km or less; three hours for flights between 1,500km and 3,500km; four hours for all other flights. So I "think" its £520pp for the flight part as compensation (7500km)... but some sites say its a full refund for the flight... is it both?  Thanks,  Ryan  
    • Our business was only transacted digitally as I was not in England at that time.  
    • Funny. But not sure I should ! Wondering if I could place pots and plants - which a) would look nice and b) would it then be trespass and interference of goods?
    • probably this buy out everyone goes on about. well just make sure they do properly sanitise your credit file. dx  
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Old HSBC DEBT HAs FINALLY FOUND ME....PlS Advice and Help


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Dear Readers,

 

I need your precious help and advice. Please help.

 

I had an old debt since 2004 with HSBC that has come back to haunt me. I left the country at that time and told my Ex to close my credit card etc but she did not.

 

Any way since I was abroad I was using my friends address for UK correspondence.

 

End of 2007, debt collection agency sent me a letter to that address stating that I owed £12000 for the old debt. I looked in to the account details and realised that my credit card was not closed etc etc and I ended up with a debt of £12000.

 

 

I rang them up and owned up to this debt as did not want balliffs coming to friends house. I wrote the Debt agency and started paying them £1 until my salary etc gets better. The company agreed and didnt harrass me anymore for 14 months. The wrote after 14 months and asked about change of circumstances and I ended up increasing the repayment limit a little more.

 

Now as I am abroad, I am not earning that much. I have checked my credit report and that debt is no longer coming up on my account at all. I am not registered to Electoral Voting at the moment. My credit rating is fair at the moment cos I have no credit on my account other than my bank account.

 

My questions are :

 

1) I have been told by credit agency people to register to Electoral so that my credit rating can get better. If I register, will the debt agency still be able put that debt on my name on my credit file?. Remmber i accepted the debt in 2007 and debt started in 2004.

 

2) I also applied for a credit card to approve my rating and it has been approved. They wanted proof of address etc from me....Will the debt collection agency can see this activity on my account?

 

3) I;ve told by someone that these debt agencies buy debts from companies very cheaply like 10% of the original value....is this true?

 

4) I've been told that if i offer them 20% of £12000 like 2400 or 3000 to the company then they might accept itas final settlement..Is this possible? (I can try to collect this much by lending off friends and family). HOw do I approach the debt agency?

 

5)I am just scared that since this debt is not showing on my credit file and if i register to electoral voting, it will show up and also if I settle the account then it will show up again.

 

Please help me with any advice and information as possible...I seriously want to improve my credit file now and also want to get rid of this debt. Shall I wait for registering to Electoral and wait to settle for this debt

 

I am happy to answer more questions....and I thank to all for their precious advice and help in advance.....

 

PLEASE HELP ME PLEASE

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firstly remember they are a DCA THEY HAVE NO LEGAL POWERS!!

 

just send threat-o-grams thats all

 

and stay off the phone to them !!! NEVER talk to a DCA on the phone!

 

i would leave it be and continue with your plans.

 

IF they ever do send you anything, just fire off a CCA request because i doubt they have the correct paperwork to do anything to harm your credit rating or chase the debt.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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firstly remember they are a DCA THEY HAVE NO LEGAL POWERS!!

 

just send threat-o-grams thats all

 

and stay off the phone to them !!! NEVER talk to a DCA on the phone!

 

i would leave it be and continue with your plans.

 

IF they ever do send you anything, just fire off a CCA request because i doubt they have the correct paperwork to do anything to harm your credit rating or chase the debt.

 

dx

 

Thanks for the reply. Can I ask you please that I have already in letter accepted this debt cos the letter they sent me had the right card details that I used to have also they were threatening to take me to court for CCJs etc.

 

I accepted it in End 2007 and now wrote another letter to increase repayment to less than £50 a month.

 

What shall I do? Can I offer them lum sum 10% or 20% of the debt or shall i just ignore them and stop repaying them?

 

I wish I had taken this advice before but I was out of the country then....

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I am also scared that if I ask for CCA then the debt agency will get ****ed off and will make sure that they take me to court and also put it on my credit file....

 

I am just thinking that why havent they put this on my new address which ive been using for 4 years...is it cos I am not electoral registered cos I am out of country...

 

I am getting registered now...shall I wait before I send them letter requesting CCA?

 

How can I request them now? Wont they say why after Nearly year and a Half I remembered to ask for CCA

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you are both very much confusing what a DCA is as compared to a bailliff and what they can do.

 

 

if they do not hold the correct paperwork then they can do nothing & should not even be accepting payments from you!

VERY popular [problem] in the UK.

 

even if you are paying them it is not an admission of the debt being yours, just a fact that you fell for their tactics of vailed legal threats and the spoofed you into paying it off to them.

 

fire off a CCA request [use the blue search bar above to find out about what to do and send]

 

if they do not produce the correst paperwork in 12 working days i would not pay them another penny!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks a lot mate...I really appreciate the advice...I will fire them a letter soon as possible....

 

Lastly I was reading I cant do it for Overdraft as well cos half of the debt is for overdraft and half is credit card.

 

Do you reckon cos they dont have proper paperwork thats why they havent got put anything on my address on credit file in the last 2 years?

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i think at this stage it matters not.

 

lets get the DCA off your back first.

 

then p'haps SAR HSBC and get a list of all those charges you can get back on the CC A/C. being 2004, you should be in for quite a bit after adding the interest, !!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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