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    • Yes Jase a default can be registered for current accounts that attract an overdraft...although the default would have placed by HSBC not Intrum Finance.There name would have been added when HSBC assigned the debt to them.   Andy
    • Hi,   Not sure if this is the right part of the forum to ask this but I have a default on my credit report for an old HSBC current account dating back to 2015.  The default has been placed by Intrum Finance.   My question is that I thought a default is usually for something where a credit agreement existed?  Can they list a default for a current account where there was no agreement in place?   Thanks in advance,
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    • Do not engage under any circumstances on the phone, they are trained to trick you into agreeing to things.   If everything is done in writing by post,    A. You are in control B. There is a paper trail, postal receipts etc for you to defend yourself if they ever do go to court.   Rent, Council Tax etc should be the only thing you care about and the rest of your priority debts. Nothing will happen if you stop paying the one's that are with DCA's aside from a lot of idle threats coming through your letterbox   As above with the CCA's for the one's already sold off, highly likely they won't come up with the goods. One pound a month token payment, jobs 'a good 'un with the Original Creditors.   Everything else in your budget goes to food and emergencies, not the above bunch of vultures.      
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After many months of faffing about from Buchannan, Clarke & Wells & threats of legal action from me

 

Buchannan, Clarke & Wells have finally decided to drop chasing me for this alleged debt

& decided to hand it back to the Original debtor .

 

Hopefully the original debtor will stop chasing me for this alleged debt & decide to write it off

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Hi,

 

Could you give us the history of this please.


 
 

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Hi Maroondevo52,

 

I will give you a heads up on what happened In July 2012

 

Ulster bank systems crashed in Northern Ireland

Out of this crash Ulster Bank alleged I owed them money as I went overdrawn by £1,404.27

 

I checked what money I had taken out &

found a discrepancy that was of the RBSO/Ulster bank own doing

as they caused my account to go into the above debt as they failed to manage my account properly.

 

Ulster Bank have been chasing me about this alleged debt from July 2012

saying I had taken money out of the account that did not belong to me

but as I said it was an error of the RBSO/Ulster bank own doing as

they caused my account to go into the above debt as they failed to manage my account properly.

 

Ulster Bank Employed the goons from Buchannan, Clark & Wells to chase me for this alleged debt which was of the |Ulster Banks doing.

 

We have been exchanging e-mails for the past couple of months & they where using bullying tactics to try get me to pay this debt

but they haven’t provided any proof that this debt was mine

I issued them with notice to produce which you will see below on the 23rd October 2013

 

FA.O Darren Caruthers/Alex Jones, Quality Assurance Officers

TAKE NOTICE that you are hereby required within 14 DAYS OF THIS NOTICE to produce

all, letters, copies of documents in your custody, possession or power, containing any entry, relating to the matters in question the debt held in the defendants name

and in particular all of the Plaintiff’s documents relating in any way to the Particulars of this matter.

 

AND FURTHER TAKE NOTICE that should you fail or neglect to produce the above documents,

or any of them further legal action will be taken against Buchannan, Clark & Wells DATED this 24 day of October 2013 To:

 

Buchannan, Clarke & wells

BCW House,

24 George Square,

Glasgow G2 1EG

 

I gave Buchannan, Clark & Wells 14 days to produce the said documentation,

which must have scared them as I received an e-mail to say that they were closing the account

& handing it back to the original debtor, which is RBSO/Ulster Bank

Edited by maroondevo52
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check your cra file has not been trashed

 

dx


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check your cra file has not been trashed

 

dx

 

Did you like way i dealt with BCW didn't give them time to get foot in the door

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Yes, putting them on the back foot and demanding the provide proof was pretty much guaranteed to see BCW off.

 

I think you should now be dealing with the bank directly, as they might just decide to palm it off on another DCA.


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Yes, putting them on the back foot and demanding the provide proof was pretty much guaranteed to see BCW off.

 

I think you should now be dealing with the bank directly, as they might just decide to palm it off on another DCA.

 

I have now issued the Ulster Bank with a copy of same order issued on the 8 November (sent with the attention of the girl in question & to be opened by addressee only) they have have had 14 days until end of the week to comply with it other wise i will seek legal recourse. They have been very quiet on the issue have made no attempt to contact me to head off this issue think they can just bully people into paying up without proof being produced

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