little bit of debt

[pike]

I have a few debts coming out the wood work they all show on credit report

 

Most of them have now gone to debt collectors no phone calls just letters at the moment

 

phone debt £86 disconnection fee moved home orange wont accept payment tell me to pay DLC collections

 

British gas debt disconnection fee and charges £90 odd moved house

 

Hsbc balance £404 default £1109(2010)

Hsbc £1300 default 2009

Hsbc £1700 default 2010

 

those all lumped together DG solicitors sent letter with slight reduction before they pass it on was paying £1 per month now nothing

 

Credit card Santandere £1700 now with westcot the credit card was taken out at the time when the bank would send you a cheque would there be a CCa with that type of account?

 

My credit rating is 1 out of 5:sad:

Not working at the moment

What is the best way forwards with this? thanks

[renegadeimp]

If they offered you a reduction, then the debts are unenforceable. Looking at those figures, it seems there are a LOT of unfair/unlawful penalty charges there.

 

Regarding orange, if you can find their bank details and have a reference number, pay them direct. They cannot refuse payment this way, even though they try and tell you otherwise.

 

 

Can i ask if you have FULL statements of accounts for all these debts? If not, then SAR the OC's and CCA the dca's. Once those CCA's are sent off AND received, the account is basically in dispute and unenforceable/uncollectable until such a time they comply with the request.

[pike]

Thanks for you reply

The HSBC accounts were two overdrafts and one loan they were charging a overdraft fee of £150 on the two overdrafts so £300 per month

what shall i do about debts that do not show on credit report

as have had a few letters from debt collectors asking me to contact them but i ignored them they are a overdraft from another bank and credit card about 3 years ago

[huggy41]

hi pike you will need as renegadeimp says to SAR HSBC .( i don't know if it would be 1 SAR for each account or if it can be worded so as to get all 3 accounts under 1 SAR request )

[daverules]

I believe if you word it that you require all data on you that it will cover all accounts with one SAR.

 

I am sure some one more knowledge will be along to advise you if this is the case so hang on until you have it

confirmed and thus save money.

[BRIGADIER2JCS]

A SAR MUST produce ALL data on ALL accounts with the creditor.

[pike]

Thanks for the reply's

 

Has anyone got a address to send the SAR to HSBC once i get the info i will post back

 

there is lots of overdraft charges @ £150 per month on the two accounts can those fees be reclaimed?

Thanks

[fletch70]

I do wish people would stop giving false hope with the "if they offer a discount it is unenforceable" what a load of twaddle. I agree if they offer large discounts it is quite possible, but a small discount? I have even been offered discounts on ccjs.

 

The key question with regards to loans and credit cards is when were they taken out. Prior to April 2007 they could be unenforceable depending on the agreement. Post April 2007 it is much less likely. It is however worth sending a cca request off.

 

The UE route is a legitimate avenue to persue but never ever pay one of these companies to do it for you. A certain Basil Rankine is still doing time for his part in one of these schemes.

.

[renegadeimp]

With DCA's pretty much any discount means theres something wrong with the debt. We've seen it over and over and over on these forums and indeed many other forums. To get proof, simply sar the OC and look at the figures contained on the paperwork. We dont say it just because we can. WE say it beause 99.9% of the time the debt IS unenforceable.

 

You might well be right fletch, but the OP will still need to request a SAR to check the details so they can be sure if it is or it isnt.

[fletch70]

Yes a SAR would show if there were any reclaimable charges. A cheaper CCA request might show if the account is legit. Of course DG are part of HSBC so not a classic DCA.

 

I think most of that has been suggested. I am just aware the OP is not working so the cost of two SARs is a big chunk of weekly JSA.

[renegadeimp]

Well if theyre on jsa, thry cpuld suspend repayments or even pay just £1 a month. a sar is a good idea because it will show any reclaimable charges which will reduce tbe debt. Or couple it with interest and in some cases it could wipe the debt out.