Owed to HSBC/1st direct

[the-traveller]

Due to disagreements with previous business partners and then after I left the business with personal debts of 9.2 k I

got hit with 3 years of severe illness,

lost my new job and stuck head in sand

- more worried about surviving the disease and surgery than paying debts off. ,

 

I've recovered and got back to work - lots of time off sick but a good employer even if they only pay ssp

 

So cleared most of my debts , just got this one left, its a combination of overdraft, loan account and credit card.

 

So what should my process be,

I've checked and there is no PPI liability.

 

Should I go next for charges, default penalties etc by sending in a SAR (what does that stand for by the way),

or should I try making a full and final offer of say 50%

 

I asked informally for details of charges & interest etc. but got no reply ,

jst a letter from DG solicitors asking a load of questions I don't intend to answer as they couldn't be bothered to answer mine

 

thanks for any help & advice

[dx100uk]

hi TT

 

who has bundled these debts?

 

they cant do that

 

does it show on your cra file?

 

dx

[the-traveller]

It was one of those 3 accounts in 1, so I had a savings account, loan account and current account. The credit card was an HSBC card, but they all had seperate account numbers etc.

 

They are now being treated as one debt

 

Never been brave enough to look at my cra stuff

 

Please tell me more.......

 

Many Thanks

 

TT

[dx100uk]

i think you should get your cra file

 

lets get the true picture.

 

dx

[citizenB]

Are you sure it was HSBC - I didnt realise they did a combined loan/current account/credit card?

 

HBOS did, these were called preference accounts.

[the-traveller]

Hi

 

It was actually 1st direct with a savings/loan and current account bundle , the credit card was a separate thing and was branded hsbc

 

TT

[rdm2006]

SAR = Subject Access Request (under DPA = Data Protection Act)

 

If the credit card (ONLY) has late payment fees over £12 oft already said that these are unfair. If they are under £12.00 you can still argue these but its more difficult.

[dx100uk]

no they are still unfair.

 

dx