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

[dx100uk]

did you know they were taking place

but just ignored them?

 

tell us the story of this debt

 

its beginning to smell.

 

dx

[DesperateSusan]

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?

[dx100uk]

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

[DesperateSusan]

Thanks.

 

I'll do that. I was going to send them a SAR regarding an outstanding CC debt I have with them.

 

Thanks again,

 

Sue

[DesperateSusan]

Oh - should I send the SAR to HSBC or DG Solicitors?

 

As DG are part of HSBC will a SAR to HSBC be sufficient?

 

Thanks

[DesperateSusan]

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

[AndyOrch]

http://www.trustonline.org.uk/understand-judgments-fines/ccjs-and-county-courts/certificate-of-satisfaction-satisfied-vs-unsatisfied-ccjs

 

Regards

 

Andy

[DesperateSusan]

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

[AndyOrch]

I would inform both yourself

[DesperateSusan]

OK - thanks Andy.

 

Sue