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    • Please see below for an extract from the letter more about my case.    You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
    • Hi,    I will look over your case shortly.   I am sorry for the delay.
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HSBC overdraft and loan Deafults nearing 6 years


Guy1002
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Hi All

 

 

I was wondering how affected a credit score would be for 2 defaults from April 2011? one is satisfied, the other is being paid off monthly. It seems that its the only thing on the credit report keeping the score low. But as it will automatically be removed in April 2017 would it still have such a large affect?

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A Credit Score is worthless... But as a general lending profile etc... Yes it would look very good if they dropped off.

Tell us more about who the defaults belong to.

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Defaults are removed as well as the whole defaulted debt on the defaults 6th birthday

Paid off settled paying not paying makes no odds

They kill a credit file

 

Ever sent a CCA request?

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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Hi, thanks for the reply.

I knew that the debts cleared after 6 years but didn't know how much of an impact they have on my score at 5 yrs and 6 months.

 

They are for an old HSBC overdraft and bank charges, and an old HSBC loan from when I wasn't working and not able to pay them.

 

Funnily enough, from a conversation I had with them yesterday (or Metropolitan as they call themselves) trying to obtain exact dates, I missed some payments,

and then made some,

and missed some more,

before I missed 6 payments in succession (which triggers the default they claim) .

 

 

the default was recorded a year after my first missed payment.

If I had not made any payments and let the default run and not done anything, it would be dropping off my file about now.

 

I haven't thought about a CCA before,

only because prior to this week and finding this forum I didn't have a clue as to what that was,

what my rights were, and everything else I've learnt from here!

 

I did whilst on the phone to them request all the information and tell them that I would be following this up with an official request in writing.

 

 

The lady was very accommodating in my request for a statement of account and letter of intent to default.

She got a bit edgy when I asked for a true copy of my signed credit agreement,

and a copy of the certificate of assignment.

 

 

Informing me that they may not be able to provide the latter.

HA! even after a few days on here I knew that was coming.

 

I know I probably shouldn't have mentioned anything on the phone really!

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if the debts are still with the original creditor then little point in a CCA request at this late stage but wont hurt.

 

 

not sure on this bit:

the default was recorded a year after my first missed payment.

If I had not made any payments and let the default run and not done anything, it would be dropping off my file about now.

 

 

the default should be registered within 6mts of the 'cause of action' starting to pay makes no odds on when that should be defaulted.

 

 

might be an idea to sar HSBC, as there might well be things to reclaim etc?

 

 

certificate of assignment wont exist if the debts have not been sold on .

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

if the debts are still with the original creditor then little point in a CCA request at this late stage but wont hurt.

 

 

not sure on this bit:

the default was recorded a year after my first missed payment.

If I had not made any payments and let the default run and not done anything, it would be dropping off my file about now.

 

 

the default should be registered within 6mts of the 'cause of action' starting to pay makes no odds on when that should be defaulted.

 

 

might be an idea to sar HSBC, as there might well be things to reclaim etc?

 

 

certificate of assignment wont exist if the debts have not been sold on .

 

 

Sorry I didn't make myself to clear there! The debts have been sold to Hoist Portfolio, via going through Metropolitan, Moorcroft and MKLLP. During the whole time I have been making monthly contributions towards the balance.

 

 

I did mention the cause of action should be from when I missed my first payment and she said they do it from when 6 months payments have been missed. I thought maybe I had misinterpreted what I'd read on here

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that's better

so they've sold them on years ago.

shame you blindly kept up payments without questioning the legally of the debts and their balance make up.

 

 

its telling that HSBC do do court themselves...

so if they were that confident you did owe the sums...

why sell the debts on ...urm..beginning to smell.

 

 

sar is a must to HSBC me thinks

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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Yup they sold them on in 2013 to MKLLP (I have this letter). Previously they had metropolitan (or HSBC collection) and Moorcroft acting as their agents? I'm guessing. How hoist Portfolio have got it I don't know.

 

 

I wish I had found this forum a long time ago!!

 

 

SAR is in the post this afternoon. We shall see what they come back with.

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