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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/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • 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....
      • 14 replies
    • 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/
      • 0 replies

Recommended Posts

Hi all.

 

I've dug out an old laptop that I want to give to a friend, but I can't remember my password. Burnt Windows Password Recovery to a USB Drive. When I put it in the old laptop, and got it to boot from USB drive, I just get a blank screen with a Smiley Face in the top left hand corner, by the cursor. Any keys I press just adds another Smiley Face. I can't find the same problem happening to anyone else on Google, so I'm quite confused. It is a Samsung R519 running on Windows 7.

 

Thanks in advance.

 

SOD'EM


 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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Probably just as easy to format it Sodem...at least all your personal data will be removed also ?

 

Andy


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It never came with a disk Andy, Windows 7 was pre-installed. I have System Image Disks which I have used previously, but the laptop can't read them for some reason. There are no System Restore points either. It says to press F4 on start up for 'Recovery', but that seems fruitless as well :(


 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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Reboot in safe mode [f8]

Administrator

Leave password blank

 

Or use the Hirons boot disc


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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The CAG Interest Tutorial Read Here

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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You have a number of options.

 

1) Use Offline NT Password Reset - https://pogostick.net/~pnh/ntpasswd/ and there are many videos on YouTube that show you how to use the tool.

 

2) Use Hirens BootCD and some of the various tools on there to reset the password for the user account.

 

3) Completely reinstall Windows. You can download a fresh copy of Windows 7 and then use Rufus https://rufus.akeo.ie/ to load the image to a USB Key and boot from this. Then visit the Samsung Website and download all the drivers and install these once finished.

 

If you did a complete reinstall, it would be as if the Laptop was fresh from the factory and would have removed personal data. If you want to make sure this cannot be recovered I would recommand running DBAN https://dban.org/ on the hard drive and doing a minimum 3 Pass Wipe but ideally 7. This will take many hours to complete so could be left to be done overnight.


This is how I spend most of my life :ranger:

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Reboot in safe mode [f8]

Administrator

Leave password blank

 

Or use the Hirons boot disc

 

The bug is now fixed and not available in default. just tested on a Win 7 laptop

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