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    • Credit card was used maybe in 2014 last. then i was only repaying min. payments till 2016 but this was killing me and I had to stop. On credit reports shows both credit card and overdraft as HSBC accounts.    So if account is defaulted in 2016 would it disappear from credit file after 6 years or will stay there until is paid off?    I really thank you for your time.  E. 
    • They did supply a new turbo yes. Im happy to just get the fitting money back. Although I had to deal with high pitched screaming for weeks I'm sure that could do with some recompense!!
    • Can you remind me. Did the garage supply you with a new turbo for your £2,000? If it did, then you will need to consider what the normal value would be of a new turbo and that at least would have to be deducted from the amount you are claiming. It seems to me that if it was fitted incorrectly then you would be able to claim back all of the money which was paid in respect the fitting but not in respect of a new turbo if they supplied that
    • then i'd simply stop paying the HSBC OD debt for an A/C of that age, there will undoubtedly be far more OD fees and the interest those have caused than the outstanding balance.   £4k debt on a credit Card is quite a sum, when did you actually last use it, bar paying anything into it? 2007 is of a date whereby agreements might possibly be dodgy...it does make one wonder why HSBC has never sold this debt on, as paying a small token payment since 2016? is only ever achieving one thing...running the SB date to infinity.
    • Yes i still have all the customers names addresses and phone numbers of all the leads, so i thing i should ring them all up and see what they say.
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Help Please. Car taken Friday Morning.

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Hi Everyone.


I'm very new to this so let me apologise if I get any of this wrong! I checked my mail this morning after walking the dogs, (I live in an apartment block.) and found a hand delivered envelope from 'Whyte & Co' Certificated Bailiffs. In it are 3 sheets of paper. 1 is a Warrant of Execution for an unpaid penalty charge that I knew nothing about until this letter. (£155.00) There's an 'Enforcement of Road Traffic Debts' paper which takes the £155.00 and turns it into £296.00. Then there's a 'Notice of Removal of Expenses' letter whereupon they've charged me a further £681.00 to remove my car! That's £971.00 for a £155.00 parking ticket!


I'm sorry to say that due to various circumstances (bad news health wise, loss of job and some other stuff I don't need to go on about in a public forum.) I hadn't checked my mail (the letterbox was full to the brim) for a long time. I got the lock replaced about a month ago. The car has been parked in the garage as it needs 2 new tyres and I couldn't afford them. I've not used it since November.


The Bailiff says he was at my place from 0700hrs until 1130hrs on Friday morning but I didn't leave for work until 0930hrs and I walked my dogs without seeing anybody near or around. Nobody rang the buzzer or knocked on the door.


Am I stuck with this or is there anything at all I can do? I know I have a part to play in not having a letterbox for quite some time but to be honest it was the last thing on my mind. I'm out of that hole now and ready to face everything I need to. 'Just for today' you could say.


Thanks very much for any help in this matter.

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bailiff is ripping you off by the sound of it.

better post on the bailiff forum so this gets spotted by the bailiff experts as they hang out there a lot more than on here.

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It's a big communal garage with an electric shutter, it's always going up and down. I'm not saying I won't pay a parking ticket but I've never had sight of it. (You think I'd learn my lesson with this but 'ostrich syndrome' is a big one for me. Stop opening the mail and unplug the phone and it'll all go away. I've decided that's not working for me any more! lol.

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