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HSBC/DG CCJ/CO - old OD - cleared, now what?


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did you know they were taking place

but just ignored them?

 

tell us the story of this debt

 

its beginning to smell.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I did know they were going ahead, but I ignored them.

 

The story is that I got into financial trouble:

i had several credit cards,

I was using one to pay off another and

I was running an overdraft at HSBC that I kept exceeding every month. And

 

every month charges were added making it even more difficult.

I seem to remember getting charges of £150 a month for many months.

I think they had a cap at that figure.

 

I was under pressure at work, pressure from continual DCA calls and my marriage was breaking up.

 

Although I did some prep work to reclaim the bank charges,

I didn't go through with defending as the other life pressures were too great.

It seems feeble to say it now.

 

As part of the process of reclaiming I got a figure for the amount of charges in the debt and it was about £2150

- they were chasing a debt of £2000.

 

I did receive a letter about plans to obtain a charge order on the property

and about the court case, and though I tried to look at them I didn't have the capacity to defend.

 

I filled in a income/outgoings form for the court and offered £50 per month which was accepted.

I've been paying ever since.

 

I doubt I can lay hands on the original documents for any of this

- since the split-up many things got lost.

 

Does that help at all?

Brought to my knees by the banks, but up and standing again. Nearly.

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hey no sweat

 

we've all been there

 

no need to feel bad about it.

 

it might serve a greater purpose to start the process of getting all the paperwork

 

might throw something up to get something back.

 

why not send HSBC an sar to get everything.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 1 year later...

A few years ago DG Solicitors took me to court and got a CCJ against me and also got a charging order against the house.

 

In October '14 I cleared the debt. DG sent me a Notice of Satisfaction.

 

Do I now have to do something, or will DG Sols update the court / Land Registry?

 

A second problem is that the Notice of Satisfaction is incomplete.

 

A sentence says "We confirm final payment of the above account was received on ." but has the date missing.

 

I have asked DG to correct this, but I haven't received a new notice yet.

 

So, if I have to do something for the court/land registry, will this certificate be acceptable?

 

The CCJ still appears on my Noddle report, though the bank account the debt was associated with has dropped off.

 

Thanks,

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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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 Topic please PM me a link to your thread

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Thanks, Andy, so I have to write to the court with a copy of the certificate.

 

What about the land registry marker? As the charge order was obtained in a court, I guess I have to write to that court too. Will the court then advise the Land Registry?

 

Thanks again,

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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I would inform both yourself :wink:

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 Topic please PM me a link to your thread

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  • dx100uk changed the title to HSBC/DG CCJ/CO - old OD - cleared, now what?
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