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    • Ah but if I didn’t pay PRA group could they default me?
    • We have a damp problem in a party wall in a Victorian terrace.  Both I and my neighbour have single storey extensions at the back (actually the front, but the back as originally built...) with roof terrace / patio area above, and a brick wall dividing the two terraces. This is standard in the road. (They also have a small conservatory joined to the first floor over part of their roof terrace) Some years ago we noticed that the internal party wall below the terrace was showing some signs of damp. We asked the neighbours if they had noticed a similar issue but they refused to engage with us. We hoped it was a condensation issue, and it was only occasional.  Over the years the dampness has got more frequent, and a couple of years ago we had our terrace completely redone, with the old flooring removed, new felting put down, new lead flashing, and decking on top. I stripped the wall below back to plaster and re-papered and painted. Last year the damp returned, but much more noticeably. We use a dehumidifier and can "extract" a couple of pints of water from the downstairs hallway sometimes - regardless of weather. There is black mould at the top of the wall, and it's clear the damp is coming top-down. I've lifted all our decking, put sealant along all felt joints, and silicone sealer between the lead flashing and brickwork that forms the dividing wall between terraces.  Since then there've been occasions when there has been surface water running down the wall, even when it's not rained.  We're pretty certain it's when the neighbour waters plants on the terrace.  The neighbours still won't engage, but we have persistent black mould, the paper is peeling off and the wall is wet from the top.  To check it's not our roof, at times when the wall has been dry I've thrown buckets of water at our side of the dividing wall on the terrace (and this obviously drains down onto the felting below the decking). The downstairs interior wall is unaffected by this - confirming the problem is coming from the neighbour's side. So what to do? Is this something we should be referring to our insurers? If the neighbours fail to fix the root cause (which is presumably perished roofing under their conservatory, or blocked drainage etc), is there anything we can do to stop it affecting us?  The internal wall is structural so I'm not really sure how a builder would approach the problem without access from the neighbour's side too.  We're planning on selling within the next 2 - 3 years but in its present state it's hard to see how someone would take it on, at least without a big price drop.  Any suggestions very welcome! 
    • defaulted debts vanish from your file regardless to payment on the registered defaulted dates 6th birthday   NON defaulted debts will sit on your file for 6yrs yrs from last payment - i e the debt becomes statute barred,-  but that does not automatically guarantee they will be removed.
    • Yes if defaulted but my non defaulted ones sit there
    • but thats how long it will show from settlement payment on your file if you make one or  if you leave as is..same result but far cheaper....   dx  
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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
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      • 16 replies

Please help; HSBC > MCS > CDRU (overdraft debt)

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Hello all,

I have visited these excellent forums a few times in recent months just to try and gain information on others' experiences with my "creditors" and the problems I have. But now I really need some advice on my own situation.


My HSBC Current Account was closed towards the end of last year; this was due to being overdrawn by more than £800 on a £500 overdraft. I had the account for about 14 years (originally opened by my parents as a LiveCash account when I was 13). I never signed anything to open the account nor was anything signed in all the subsequent years with the bank (always avoided Credit Cards/loans like the plague)


In due course I received the inevitable relentless phonecalls from MCS. I called them back on a couple of occasions saying I would pay eventually when I was getting some money (I have been selling off things on eBay). However the money I have been making from that has all been going to pay off the more pressing issue of old Council-Tax debts at my former address.


In the last couple of months the phonecalls from MCS stopped and everything has been quiet. I have now received a call (not answered) which online searches shows to be from CDRU. I am aware that all of these are just subsidiaries of HSBC.


Anyway, I am now considering what I should or shouldn't try and do. As more time has gone by (and from reading these forums) I have more realisation that such debts are not set in stone (not to mention unjust).


The reason I am so idignant about this debt is that in the last 18 months of having my Current Account I paid well over £1,000 in charges & interest (maybe closer to £1,500), and as such the only reason this debt exists at all is due to those excessive and exploitative charges. My account with HSBC has already proved hugely profitable to the bank over and above the current "outstanding debt", and yet I still supposedly owe all this extra money.


The practical reason I am querying all of this is that realistically they cannot tangibly take anything more from me than I can/choose to give them; I have nothing. I am unemployed, I own no property, no car, no assets (sold/selling what little I have because of the two mentioned debts), no bank account (because they closed it!), and they do not have my current address as I have been forced to move back in with my parents.


Despite all of this, I would still like to have this all settled; as no matter what I can and can't pay I know the debt will always be there (and as such the vague worry that it will catch up with me in some form sooner or later). I would be just about able & willing to offer them £200 as a F & F Settlement to satisfy the debt, which is around 23% of the total demanded amount.


However, reading all the horror stories on here I am wondering if it is even any use to contact either MCS or CDRU at all, considering the combination of being both incompetent/dishonest and not even willing to truly interact with you - and whether I would still technically be able to settle the debt with HSBC directly?


Many thanks in advance for any help anyone can give.


This is a great site; please keep up the good work, it is a hugely important service.


All the best,


Edited by Ysbryd

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