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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.      
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    • 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.
       
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      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. 
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      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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Jess85

PRAC/BW Claimform - old Payday UK PDL***Claim Dismissed***

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I shouldn't think they have time or the inclination to trawl internet forums for a £1000 claim ...even if they did there is nothing here they dont already know ?


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Hi there...been slow due to a hectic week back at work

 

to recap - I think the latest day for me to respond to mediation appointment request is tomorrow.

 

I've attached the docs which I've had from BW.

 

Is mediation best for me now?

BW PDF.pdf

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urm i'm wondering why they are begging you to settle out of court for a discounted sum....

whilst portraying they think they have such a strong case...urm..


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urm i'm wondering why they are begging you to settle out of court for a discounted sum....

whilst portraying they think they have such a strong case...urm..

 

Completely - I just want this to sink in

 

Screenshot_1.png

 

This would scare people and it needs to stop....

Jess - Do not worry... Just concentrate and dont let them get to you...

 

I see lots of default charges in the statement they have sent. Would be a shame if you won and then claimed back with IRL Case :) (The rules tated one default charge of £15 - Not numerous as shown in the current statement from BWL)

But for now concentrate on court. Let us know how you get on...

 

BTW MEdiation would be best as it is expected both parties try to resolve matters... What id like to know is how they have provided a statement that says the OS Balance is 861.55 but claim 1051.59 - Yes this includes costs of issuing a claim etc but shouldnt said statement include these costs?...

 

IT baffles me...

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A bargain no?

 

I genuinely didn't think that they got that high...

Not judging you at all on this one ☺️

Promise... Just focus for mediation...

 

Hopefully they will discontinue... I don't see how a judge can condone a CCJ for an APR of that magnitude...

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Do I have all the documents to continue with mediation? I'm not sure on my next step.

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wheres the default notice and notice of assignment?


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dx100uk - notice of assignment and default notice attached. The default isn't the original however, one they resent last year.

 

Apologies – the quality of this pdf is bad. I can repost later if not clear.

BW 2.pdf

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looks to me as if the original creditor did not issue a default notice

and prac are trying to cover this up

they [prac] cant issue a DN


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So I tell mediation I don't have all the documents to proceed? I need the original default, right?

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well no not the original default no

but proof from the records of the original creditor that one was sent

not simply an intimation from a fleecing debt buyer that the OC did issue one.

 

its interesting to note their careful use of words too.

 

they aren't saying the OC defaulted you but that your breached their terms.

 

I would tell mediation that you have not received all the required paperwork to make an informed decision.


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Reclaim mis-sold PPI Read Here

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Done. So now I wait for a hearing date? Gulp.

 

Anything I can do in the meantime (apart from read, read and read?)

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Hi there!

 

Thank you for checking back in with me :-)

 

I'm still waiting! Had a notice of transfer of proceedings over a month ago but no hearing date yet. How long does it usually take?

 

Any possibility it will just go away? (I know the answer to that)

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well if the fleecers don't pay the fee it aint going nowhere....


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

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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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Hi there!

 

Thank you for checking back in with me :-)

 

I'm still waiting! Had a notice of transfer of proceedings over a month ago but no hearing date yet. How long does it usually take?

 

Any possibility it will just go away? (I know the answer to that)

 

Seems a long time...ring your local county court and ask if the Notice of Allocation (N157 has been issued yet ?

 

Andy


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So it had apparently been issued but just never arrived. They resent it so I now have the hearing date. I'll check back in with all the deeds this weekend to sort my next steps. :shock:

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Hello there...I've been waiting to see if I'd receive a WS/bundle, which I now have so I've been working on my WS and I need to get it off asap (is it ok to deliver on the 14th day, or does it need to be before the 14th day)

 

For any advice/help do I need to post up the entire WS from BW?

 

Thank you

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Their's, including copies of docs, is almost 30 pages....do you want to see all that or shall I try and pick out the points?

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