HSBC Overdraft and Card

[John_DebtFree]

overdraft:

Account opened: July 1997

Last payment: September 2010

Current balance: £2000

Status: Gone away

 

credit card:

Account opened: July 1997

Last payment: August 2010

Date defaulted: Feb 2011

Current balance: £6000

 

I have an overdraft and crdit card with HSBC, it was a young savers account and converted to student account and then joint account over the years. I think that opening date of 97 was the student account but Im pretty sure the same account number existed since the 80's.

 

I lost my job and used the overdraft to make a mortgage payment, my credit cars which was high was also run up further while i looked for work, then when I did find work I found my monthly salary wasnt enough to get me back to £0 on the overdraft and things spiralled. I opened a new bank account and then wrote to HSBC explaining my difficult situation and basically have heard very little since, especially on the overdraft.

 

I also have a credit card that I sent the CCA and SAR letters and did eventually get a large box from the SAR request, but they admitted that they held no agreements to satisfy the CCA request. They attempted to open a case in he bulk Northampton court but it was thrown out when they failed to provide the evidence required in time.

 

I have had the usual letters from Metropolian and DG Solicitors but I am unsure of what to do if anything. I have been saving with the aim of making full and final settlements to all of my debts but I owe close to £40,000 in total and Im not sure how I should prioritise.

[rebel11]

Hi John

 

Have you been mis-sold PPI on any financial products you have?

 

Have a read of 2, 7, 8 and 9 in my signature.

[fkofilee]

Hi John

 

Your current account status is Gone Away? Are they referring to GAIN?

[John_DebtFree]

Hi John

 

Have you been mis-sold PPI on any financial products you have?

 

Have a read of 2, 7, 8 and 9 in my signature.

 

Thank you, that is my evening planned now!

 

 

Hi John

 

Your current account status is Gone Away? Are they referring to GAIN?

 

Sorry if I sound like I dont know what I am talking about, but I really dont! I am using the free service from noddle.co.uk and it reports as below. Oddly, there appears to be no history on the accounts prior to the defaults, hwereas other accounts I have show history from before I started having trouble.

 

Name *************

Address ************************

Date of birth **************

Account type Current Account

Account number *******************

Account holder status Gone-away

Account start date **/**/1997

Opening balance £ 2,000

Repayment frequency Monthly

Date of default **/**/2011

Default balance £ 2,000