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Please help regarding charging orders? Apologies if in wrong place.


shakesville
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Hello I am new here and been reading the forums for a while but my head is buzzing with all the advice on different threads so I thought I would start my own.

 

Basically, we have a mortgage and a remortgage with HSBC and we used to have a bank account and a loan with them also. We got into a bit of trouble financially and could not keep up on the repayments (which were coming out of the current account) they kept taking the payments, even though we asked them not to, which resulted in massive bank charges on the account.

 

Anyway we opened a new account with NW and asked HSBC to close the bank acc. They said they couldn't because it was overdrawn (due to charges)

 

We had a few family problems and I am ashamed to say let things slide a little, in the process there was a charging order put on our property for around 1500 from a credit card my husband took out.

 

Also, HSBC lumped the bank account and loan together and took us to court for the full amount of both. As I say we were having problems and did not defend in time so a judgement was made against us for the full amount (even though the Bank acc was made up of charges).

 

I have had nothing from the court or the banks solicitors regarding paying back the amount ( which we would not mind doing ) but now they have sent us a court date to put another charging order on our property.

 

I have read around on this site and have seen that charging orders are satisfied when you sell your house (which we don't plan to do) so I don't mind as there is a lot of equity.

 

My main concerns are that despite the charging order the Credit card debtors are still chasing for the amount to be paid and threatening further court action if it is not paid?

 

Also, if the charging order goes through for HSBC can they force an order of sale on the property as they are also the main mortgage holders?

 

Any help would be greatly appreciated....

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Okay,

even though they have the judgements undefended, it is not too late. The sooner you tackle these 2 issues the better.

The credit card. You need to do a SAR.Once you have all the statements you can calculate any charges. Also,do you still have a copy of the Court Documents.(if not you can request copies).You need to use CPR 31.14, you want copies of all the documents they refer to in their claim. If they cannot come up with these docs, & in particular the agreement you have grounds to apply to have the judgement set a side.If they do supply the agreement, atleast once you have the statements you can challenge the charges & interest.Reduce the debt, & negotiate a settlement.

Now, HSBC

The current account. Do a SAR.

The Loan, a CCA request & a SAR.

Again, check the POC from the court, you say they lumped the 2 together. But as these were 2 different account types, they should be referred to indivdually.

The Loan, acc no, Agreement & interest rate, & if they are intending to add Post judgement interest.

The Current acc, the interest accruing should be different to the loan.

You can challenge the loan, if they don't have the agreement, & you can challenge the Current Account if it is made up of interest & charges which are unlawful.

 

Send all your letters recorded. Get a file, keep copies of everything. Until they comply , they shouldn't threaten any further legal action.

See what comes back, & keep us posted.

Good Luck

Debs

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I have had nothing from the court or the banks solicitors regarding paying back the amount ( which we would not mind doing ) but now they have sent us a court date to put another charging order on our property.

 

 

They can only go for a Charging Order if you fail to make any payments on the CCJ... which is probably why they've not contacted you about payments. Very sneaky....

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Yes, do 1 SAR for all the accounts with HSBC. Make sure you give them the account number & sort code for each account.

I have not dealt with HSBC, but do not address your SAR to the branch, it needs to go directly to the banks data controller, probably based at their head office. This info will be somewhere on this site.

debs

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Hi SV,

Reading your thread you state alot of different debts, I would split each into a different thread where you will receive pertinent advice to each problem that you have.

This will help those trying to advise you and inevitably yourself by not overloading one thread with advice.

I was very sorry to read about the charging orders as I personally know how devastating that can be. My advice would now be to resist the CO fully with help from members of this site which is what the advice given above is based upon.

Exasp

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Thanks for that, I will start new threads for the other credit cards.

 

I have sent a SAR to HSBC today for all infor regarding overdraft and loan which have been lumped together (I think).

 

What should I do now or do I just wait and attend the CO hearing on 18th December?

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Hi SV,

Have you started a claim for the bank charges which you state were unfair, if as you say they caused you to go overdrawn you will be in a good position.

Re your question in post 1 can they force you to sell the house in effect they can but it is unusual but someone may have advise to the contrary. I have had a CO for a couple of years though and nothing has been done

Plenty of info on the site to help reclaim your charges which I would do as it appears this caused/contributed to the problem in the first place

Exasp

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Hi,

Dec 18 doesn't give you enough time.

You need to contact the courts. Inform them that you intend to challenge the CCJ & CO, that it is made up of interest & charges which you have now discovered are unlawful. Inform them that you have done a SAR. Apply to the courts for an adjournment to give the claimant time to respond, & you time to put together your defence.

Send a copy to the Solicitor, along with a copy of your SAR, & proof of delivery.You are also entitled to SAR the Solicitor, they should then disclose all data they hold regarding the claim.

Debs

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Don't panic.:)

 

Write a letter to the courts. Outline all the issues raised. Enclose copies of letters sent.

If it is at your local court, take it in. Speak to the clerk, & explain what you need. They are normally very helpful, & should be able to advise how quickly the judge can consider your request.

Debs

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okay, had a thought.

Is the CO at your local court ?

The reason being, you are entitled to copies of the court documents.

You need to refer to the original POC, issued for the CCJ. That claim will refer to specific accounts, account reference numbers, & an agreement, & default notice.

By accessing the court docs, you will be able to see if any of these docs that they rely upon were actually submitted with the original claim.

As you never defended the claim, it's unlikely they supplied them.

The POC are crucial to your defence.

Debs

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Yes the CO is at my local court, the specific amounts on the original CCJ stated (I think as I don't have it with me) as amount claimed is for overdraft (no specified amount) AND the claimant claims 1. (amount of loan) 2. interest at a rate of 8% per annum at a daily rate of 3.04 and 325.00 costs... No other documents were enclosed.

Edited by shakesville
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Don't know if it makes a difference but the reason the charges accumulated on the bank account is becuase they were automatically taking the loan payments from it and when i asked them to cancel the direct debit so that I could pay with another account (I wanted to close my HSBC account, they refused, I closed my account and they kept taking the direct debit out when my wages had stopped being transferred into it...

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Okay,

Was the loan paid off in full ?

This is why you need the statements for both accounts. Then you will be able to challenge the CCJ & CO.

The overdraft, there is no credit agreement for this account. I want you to do a CPR 31.14. You need to request a copy of the application for this account, along with a copy of the T&C's. You are also to request a copy of the overdraft application, confirmation of your overdraft limit & the T&C's which governed the OD.

If they were drawing on your account, taking you over your OD limit, then you can challenge this.

What they have done is not uncommon, but is definetly wrong.

Can I also suggest you make an official complaint to the bank over the way they have managed these accounts. They have to respond to this, if you are unhappy with their response you can pass it on to the FO, this can only strengthen your case against them.

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Hi debbs,

 

No the loan was not paid off. Sorry for sounding thick but what is a CPR 31.14?

 

Do I send the court this with the letter asking them to adjourn? I doubt very much they will have an application for the bank account as it was about 25 years old.. will they send this as part of the SAR???

 

I am looking for a relevant letter to send to the court but cannot find one. Oh I am all a fluster now,

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