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    • I started paying her old council tax as they said they would jail her I managed to get those account details. We then got back together she moved in with me stopped me going to my house. Eventually let me back in I was there 4 days then the police showed up at 1am arrested me for 8 different offences. On the morning I was in custody she rang the letting agent and asked for the house to be changed to her sole name as I was in jail. The house was changed to her name I was made homeless. The bills she did not change to her name left them as occupier the utility companies then said I had to pay as there was lots more usage than an empty property. My solicitor said if I don't pay them I will be reported for it. It has since turned out that in her old property she didn't pay the bills. The electric bill she put in her daughter's name then cancelled the direct debit the council tax she never attempted to pay. Due to one of the accusations I have since been told I need to pay these bills even after getting emails saying I'm not liable for the bills. I have forwarded these on to the police and solicitors and had no reply. Other than you have to pay these bills. I'm also going to end up paying the bills where she lives now as once again they are not being paid. I can't go in to detail about the case as I'm due to be charged next week not sure what with yet but the police have told me I'm going to be charged.  My ex will not tell me nor can tell me about her debts as she doesn't want me to know how much debt she is in or has put her daughter in once she turned 18. I do not want to be paying her debts after what she has done to me.
    • In the earlier thread (now linked above) you were going to change your name by Deed Poll. Did you do that? Did it solve any of your problems? What, exactly, have you been charged with? Has a court date been scheduled? I cannot think of any reason why the police would tell you to pay your Ex's debts that she incurred 5 years before you met her. Either there's lots of the story you aren't telling us, or you have misunderstood what you have been told, or you are trolling us. Earlier you said it was your Ex who wanted you to pay her debts and, for some reason that  no-one here could understand, you were going to do so. So your Ex can give you all the details of her debts and you can pay them. She can hardly expect you to pay them if she won't give you the account details! I've never known debt collectors be fussy about who pays as long as someone does. They routinely take payments from friends and family to clear debts. It's not illegal to pay someone else's debts          
    • What you've said isn't helping. Please post up a redacted version of the appropriate section of the court papers.  HB
    • Oh, yeah. The law I’m charged with is riding underground without a valid ticket said by SJPN Student Union can’t provide any help, I have contacted them
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HSBC Credit Card - true copy of the agreement


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Hello people!!

I am in the middle of taking HSBC to the small claims court regarding my bank charges, when i stumbled on a very intersting thread regarding Defaults. (requesting the true original document).

This is the link i used, all the templates are done, just copy & paste;

Remove Default Notices on a Credit File - We show you how

I have requested for my bank to send me a true copy of the alleged agreement regarding my HSBC credit card.

I have sent a letter via recorded delivery for this request 3 weeks ago, but had no response.

Please could anyone tell me if there is a time limit for their response??

I have been to the bank personally and rang numerous times, but keep getting fobbed off.:(

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Sorry forgot to say, my account has been given to another company called MCS, who collect £30 pounds a month as an agreement.

My bank are not willing to tell me who to send my requset to, MCA are saying that they can't and won't do anything and that HSBC put the default notice on.

PLEASE ANYONE HELP NE1??

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if you have not had the documents within 12 working days HSBC have defaulted on the request, they then they have a further 30 calander days to produce the documents, if they don't i beleive they have commited a criminal offence and the dept is unenforceable and the default should be removed from your credit file. At this point you can also report HSBC to Trading Standards and OFT.

Hope this helps

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Thanks for the reply.

I have been reading a theard by un1boy regarding this very matter.

I was so baffled by it.

Bascially if they havn't provided the notice in the 12 day period i can stop payments to them?

Also I just want the default taken off, i do not want to go into a situation with them where i will be getting harrsing phone calls from MCS who now own the account as i declared an IVA. Is their their a template where i can advise them that they have broken the law?

 

Will this lead to court action??

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i'd be interested to hear a reply to this as I am claiming a true copy for something else and want to know what to expect if they delay or ignore.

 

kaz x

Kaz :)

 

 

HSBC

claiming £2749 (£3400 with court cost & 8%)

mcol acknowledge 25/09/06

DG requested breakdown 5/10/06

Breakdown sent to DG 12/10/06

 

Yes Car Credit/Direct Auto Finance

CCA request sent 18/10/06

 

Whilst my aim is to be helpful, its reasonable to assume I am not a professional and am (dare I say) not always right. Seek professional help if in doubt

:-D

 

:lol: If i have intentionally or accidently said something of relevance or use to you, please click the scales:lol:

 

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain". - Robert Frost

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un1boy TYPE THIS USER NAME IN THE ADVANCED SEARCH. IT IS A VERY GOOD READ, BUT I COULD NOT GET MY HEAD AROUND ALL THE LEGALITIES.

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