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hi all

 

just looking for a bit of advice re the title

 

i used to have a current account with the hsbc,i then started an unfair charges claim against them and cleared my overdraft completely except for the £750 that was the amount of my claim

 

this ended up on my credit file as a default even though i cleared it on receipt of the first letter from a dca

 

obviously i think i made some mistakes in my handling off this but i basically want to know if i have any chance of getting it removed and if so how i go about it?

 

many thanks for any info

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you dared challenge the banks over bank charges? well, this is their most effective response to that...they do their nest to default you, to teach you a lesson n'all!

 

same happened to me, am in court on Tuesday.

 

what you need to do next is this:

 

  • get copies of all correspondence AND the default notice or even default warning letter (letter of intention to file a default)
  • you can do this by issuing a Subject Access Request...see info here and do your research
  • there will be a number of options open to you, but it depends on what paperwork you have, or what will be sent to you by them
  • If they defaulted you when the account was in dispute, or the default amount was comprised partly or wholly of bank charges, you have a case
  • If the default letter or notice didnt give you sufficient time to respond, you have a case.
  • read all you can on this site, try to settle it amicably, and when that doesnt work (which it wont!), start legal proceedings

when I have more time I can provide better guidance, but follow the link above, cos that's where i learnt everything anyway (thanks CAR!)

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