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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,
    • and don't waste money on recorded delivery!! 2nd class stamp is good enough.   if you wish to do a budget sheet that's upto you but never fill out theirs.   and again if you want to send creditors that, its upto you but you do not have to give them any of your pers financial info NONE of their business esp a DCA!! only a judge can demand that info.    
    • But the 14 day cooling off period does not apply to you because your a LTD Company.....even though the charge is unfair there is no way around it B2B
    • 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.      
  • Our picks

    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
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    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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potman100

Capquest/Drydens stayed Claim halifax Card - ***Claim Dismissed***

style="text-align:center;"> Please note that this topic has not had any new posts for the last 391 days.

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You need to have a figure in mind...your suppose to serve it on the opposing party as the claimant has with theirs...and the judge will ask for a figure.


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Not really, what would you think would be realistic and the judge may be ok with ?

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Depends......how much have you had to spend in preparing for the hearing ? Have you had to take time off work ? how near is the court ...petrol parking ?...etc etc etc


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Well I work for my self, but I could be doing other things so it will cost me a day ! Bradford is only 10 miles away and parking is free !!

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Well its £90 for loss of earnings 1 days work...so there is your starter for 10:-)


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Thanks m8, if all goes well, do I just ask for costs at the end ?

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:whoo:

 

Capquest/Drydens : 0 - potman100 : 2

 

I say 2 as the request to lift the stay was struck out, and then the actual case was struck out, with the Judge saying "The Claimant Has No Chance Of Success"

 

The Case rested on the Default Notice : ,

the Judge said, as the default notice was a redacted template, that this was no evidence that the Default Notice has ever been Properly served, and the contents were not as the law required, The screen print was also given the same treatment.

 

Lasted Nearly 45 mins, and at different points I thought I had won and lost,

The claimants witness statement helped on point 6, it said that they would not be able to provide the original Default Notice, this lead the judge to say that it could not be proven it was ever sent.

 

So Happy days for me, not so much for the Judge, he really did not want to rule in my favor, he said I was just trying to get away with paying my debts !!!!!

 

A Couple of points I would do differently,

I would send my witness statement to the claimants solicitor, as he tried to use this to say he was not prepared,

but the judge was having non of it, and expect that he would be able to read 2 pages and respond.

 

The Other things is I would not ask for costs again, the judge was not to happy when I did, and he refused to hear my request.

 

I could not have won this is it was not for the help on this forum, DX, and Andyorch made it possible for me to stand a chance of winning, and I can only say Thanks You

 

Very Much to you both,

I will be making another donation to help keep these forums running,

as it's one of only places online that the staff are interest and can't do

enough to help, once again Thank You.

 

Potman100

 

:whoo:

Edited by dx100uk
spacing

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well done but they really shot themselves in the foot by using someone elses DN blockout info and claiming it was a template

 

as post 28


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Good news and a very well done.

 

Thread title updated.

 

Regards

 

Andy


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Brilliant potman.


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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