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Well recently posted to seek support for an SD served by BW Legal for a large debt and followed all the advice on here and then today another debt letter arrived, this time from Hamptons for an old bank overdraft of circa £1300. The letter threatens CCJ or SD.

 

Phoned Hamptons today to ask what the debt related to ( I know I shouldn't have phoned them, but was a bit annoyed). I challenged the need for them to ask me my DOB for data protection purposes....

 

Anyway, Is there anything I can do with this overdraft in terms of challenging the amount or do I bite the bullet?

 

Any help would be appreciated.

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Well recently posted to seek support for an SD served by BW Legal for a large debt and followed all the advice on here and then today another debt letter arrived, this time from Hamptons for an old bank overdraft of circa £1300. The letter threatens CCJ or SD.

 

Phoned Hamptons today to ask what the debt related to ( I know I shouldn't have phoned them, but was a bit annoyed). I challenged the need for them to ask me my DOB for data protection purposes....

 

Anyway, Is there anything I can do with this overdraft in terms of challenging the amount or do I bite the bullet?

 

Any help would be appreciated.

 

When did you last make any payment towards this overdraft ? If you don't know when the overdraft entered into a default status, I think you need to contact the bank concerned to find out. Perhaps now is the time to send an SAR to the bank, to get hold of copies of everything.

 

Did you ever contact the bank concerned to advise of your problems regarding the overdraft ? i.e did you advise them of hardship issues.

We could do with some help from you.

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When did you last make any payment towards this overdraft ? If you don't know when the overdraft entered into a default status, I think you need to contact the bank concerned to find out. Perhaps now is the time to send an SAR to the bank, to get hold of copies of everything.

 

Did you ever contact the bank concerned to advise of your problems regarding the overdraft ? i.e did you advise them of hardship issues.

 

Hi and thanks,

 

At the time (2009), I had a lot of debts to sort out and this was the last and smallest thing on my mind. At the time my wife had a full on breakdown and subsequently lost her job, so didn't even register.

 

Regarding a SAR, have just sent a request to LLoyds for another debt so guessing this should cover this debt too? Or am I mistaken?

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Hi and thanks,

 

At the time (2009), I had a lot of debts to sort out and this was the last and smallest thing on my mind. At the time my wife had a full on breakdown and subsequently lost her job, so didn't even register.

 

Regarding a SAR, have just sent a request to LLoyds for another debt so guessing this should cover this debt too? Or am I mistaken?

 

Lloyds may not include this other overdraft account, unless you included the account number. If you contact (write or phone) the Lloyds department dealing with the first SAR, they should add this other account onto your request, without charging you a further £10.

 

I don't know what your overall position is, but with debts that are still enforceable, you would probably be wise to seek a payment arrangement. If you own property, if you do not manage to set aside the SD and they proceed with bankruptcy, with the additional costs that will be added, you will have a serious chunk of equity taken from you. It depends on the equity situation. If you want to try the set aside, unless you have very good reasons, it would be wise to seek a Solicitor that deals with such matters. BW Legal/Lowells are apparently put off proceeding, if you have Solicitors acting, because they could end up paying your costs, if you won the set aside. If you were doing it yourself as a LIP, they might not be put off from proceeding and they will play the system, based on your lack of knowledge. Just read of the number of times they obtain adjournments for set aside hearings, while they get their documents together.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Thread moved to Debt Collection Industry.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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