DSG/HSBC got CCJ then offset amount within 28 days - need certificate of satisfaction

[billywhizzm]

I have a credit card debt with HSBC.

 

DSG soilicitors were chasing me on behalf of them.

 

they infact manage to get a court order to pay my debt.

 

Today I check my HSBC account the money is gone without even teling me.

 

How can I fight back to get my money back so that I can pay my mortgage and other bills?

 

Any help on this would be much appreciated.

 

I am hoping to go to press.

 

How can I get in touch with press?

 

Thanks in advance

[dx100uk]

do you bank with hsbc too?

 

dx

[billywhizzm]

Yes my bank account is with HSBC too.

[42man]

Hi Billy....they can and will offset money from one or all of your HSBC accounts to pay off other debts, in this case it could be wise to open up a parachute account.....how old is the credit card ? have you considered sending off for a copy of your agreement ? Have you ever reclaimed any excessive charges from HSBC ?

[billywhizzm]

Thanks 42man.

 

I have just realised the importance of this site. will go thru the templates and try to do necessary action. I need to claim lot of excessive charges and sort this crdit card issues with them

 

By the way its DG solicitors.

 

They are saying you need to contact HSBC collection team and talk to them.

 

Guys how easy is it to get in touch with Press?

 

Thanks

[billywhizzm]

HSBC is saying they cant do anything now. if you want you can write to them. Guys really need help to screw balls of HSBC.

 

Any help would be appreciated.

Thanks

[dx100uk]

not that it matters [sadly] in this case but did you receive court papers?

and how much was taken from the A/C?

 

was it the full bal of the card or just the arrears?

 

and what have you contacted HSBC about? gettting the charges back?

 

if you don't have all your CC statements, you need to get the reclaim started by sending off an SAR to HSGB CC.

 

dx

[billywhizzm]

I did recd the court papers.

 

 

£7718.00 was taken from my account.

 

 

Its the full balance + court charges.

 

 

I did speak to HSBC but they cant do anything and have given me contact no's for the service quality team of HSBC.

 

I have contacted financial ombudsman today and officially lodge a complaint.

 

I need to get in touch with press what's the best way?

 

Thanks

[johannab]

Hi, that's an incredible amount of money. Did you receive any warning they would offset your current account against what you owed them before they actually did it?

 

How long is it since you made any payments to your credit card debt?

 

Offsetting is something that has worried me for a while. To be honest,I didn't think they would even need a court order to do it.

 

I would definitely cca them and also claim back any charges.

 

I don't know how to contact the press....i guess you just look at websites and see if there is a link to contact a reporter.

[42man]

When did you receive the court papers ?

[billywhizzm]

Court orders recd on 6th July. I have officially compalined to financial ombusdsman.

 

Let see what happens.

Thanks for the replies.

[firstship]

HSBC can take money from any other HSBC account to settle a debt as you have found to your cost..........

PGH7447 made it very clear the settlement offer as indicated in your thread is not a Full and Final offer,

you are very unlikely to be able to claim back money based on their current actions................

 

Let us have a look at the credit card and see if there are any charges that can be reclaimed....

.any PPI involved???

 

for example any charges for late payments etc..........

.Do you pay any money into any HSBC account??????????

 

Let us try and help with this...............…

......I wish you the best,...............FS

[billywhizzm]

Can HSBC still withdraw even before court proceedings outcome?

 

Thanks

[Bazooka Boo]

If you have two, three or even four accounts with the same Banking 'group', then yes they will use the other accounts to offset your defaulting or indebted account.

[billywhizzm]

Hi All,

 

Sorry to bring up the old thread.

 

where can i find a online form to remove CCJ when the payment was done within 30 days?

 

CCJ awarded 8th July 2009

Payment done 4th August 2009

 

Thanks

[AndyOrch]

There are no on-line forms...you need to contact the court that issued the judgment and take it up with them why it was registered.Why has it taken you 5 years to query this...falls off next year anyway.

 

Andy