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    • I got a text message from Royal Mail last Thursday to say they would be delivering a package to me that day. I was out with my wife all day, and got another message later that day to say the package had been delivered to me or a "neighbour". When we arrived home, no card had been left by RM, so my wife checked with all our neighbours to se who it had been left with. But it hadn't been left with any of them.   The text message also had a tracking number, and when I checked the RM tracking site it just said "The system is currently unable to confirm the status of your item with reference WJ915772456GB . Please try again later". 4 days later, it is still showing the same message. And to make matters worse, I have no idea who the package was from, but I am expecting several deliveries.   I have trawled RM's website looking for a number to ring to report this, but every option I select invariably just returns to the original page. CAn any of you suggest a number for me to call to report this? I live in the Belfast area.   Now, an aside to the original problem, I also got a text the same day from the RM number, to say "There is an item waiting to be confirmed by Michael" (ie me), which goes on to impy that I had won a prize in RM's annual Currys prize draw. It includes a website address to go to to claim the prize. Now I'm no dozer, as we say here, and I know its a [problem]. But is it possible the 2 incidents may be linked? The first to give the impression that there was a package for me, the second to imply the package is a prize which I have to visit a website to claim? Its the time of year when almost every household in the country is expecting some sort of package in the run up to Christmas, so would be a fairly easy [problem] to pull. I'm not even impressed by the use of my name an mobile number, as I'm bound to have had these stolen in a security breach at sometime or other.   If there is a genuine package, I know its highly likely that I'll never receive it now. But I need to know where its from so I can let the sender know asap.
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    • "Dear Simple simon" as Simon Renshaw Smith owns the company   drop the reference to your lawyer. if you had one he would be writing this letter dont ask for an explanation,  it only repeats what you say 2 lines later anyway
    • you ignore this begging letter. Also yu check with the council about planning permission, if you cnat find it on the planning portal you ask the council planning dept about any applicatiosn for that address. You cnat assume things but you can state that you do not belive they have the necessary contracts/permissions/consents because they have failed to provide them when requested under CPR 31.14 now there is a thing called Standard Disclosure for all civil proceedings (CPR 31.6) so they cant wriggle out of it so easily as that includes anything that adversely affects their case so if they wont produce their contract with the LL then you can say that you believe they have failed to do so because it aversely affects their case. they are then caught by the "when did you stop beating your wife" impossibility.   make sure that you have all documents you need to avoid them throwing it back at you but generally there wont be an equivalent if you arent the driver!  
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JohnDoh

HSBC CCJ sold to Cabot

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Hi,

 

I am looking for some concrete advice please on where I stand with a debt that's hanging over me.

 

The debt is for around £9k and was originally a HSBC credit card.

I received a CCJ toward the end of 2013, along with a Charging Order against my property, which I unfortunately didn't contest.

 

As I am self-employed and have children, there has been no enforcement action that the courts would take against me, so I have never paid anything toward the debt, or acknowledge it. HSBC gave up earlier this year and have sold the debt to Cabot.

 

I have read a number of threads on this forum and others which contain a lot of conflicting information.

 

So I guess my questions are:

 

1. Can I get the Charging Order removed on the basis HSBC no longer have an interested in the debt, or have Cabot effectively taken ownership of both?

 

2. Am I right in thinking Cabot have no enforcement options whatsoever unless they get the CCJ and CO re-assigned officially in the court?

 

3. Will Cabot likely affect a low F&F settlement to see the back of this debt, or do they usually hang on for the long run?

 

4. I believe there are probably at least 1-2k worth of charges and interest added to this credit card, can I pursue HSBC for them, and if they are awarded, can HSBC withhold it against the original debt?

 

Thanks in advance.

 

JD

Edited by dx100uk
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A couple more questions sorry chaps.

 

1. If I decide to sell my property now, I assume I will be liable for the full amount to the HSBC Charging Order unless I get an F&F with Cabot and get a certificate of satisfaction?

2. Do I still owe HSBC anything if Cabot have now bought it?

 

Many thanks

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I doubt HSBC got the CCJ rather cabot

look on your deeds

 

if this is a jointly owned home but a debt in your name

it aint going nowhere even if you sell as it will be a restriction k.

 

to answer your questions

all are mostly NO

bar the last one

you might get the charges back and the interest they cause but it wont come off the debt

it will gotto your pocket if you succeed.

 

so who's name is on the deeds bet it cabots already

its very rare for a bank to do court.

 

dx


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Thanks dx.

So I am just going to have to just pay up by the looks of it then? :-/ Very frustrating - wish I had defended it at the time - bad mental health at the time though...

 

I really do believe it was HSBC who took me to court back then,

I am going to ring the court tomorrow to find out.

I have obtained the deeds to my property which shows the CO is registered in HSBC's name.

Does this have any impact?

 

(XX.2014) Equitable charge created by an interim charging order of

the King's Lynn County Court dated XX XX 2014 in favour of HSBC

Bank Plc (Court Reference XXXXXXXX).

Edited by JohnDoh

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So I guess my questions are:

 

1. Can I get the Charging Order removed on the basis HSBC no longer have an interested in the debt, or have Cabot effectively taken ownership of both? CAbot are now the owners

 

2. Am I right in thinking Cabot have no enforcement options whatsoever unless they get the CCJ and CO re-assigned officially in the court? Correct but its a simple application

3. Will Cabot likely affect a low F&F settlement to see the back of this debt, or do they usually hang on for the long run? Test the water see if they are interested

 

4. I believe there are probably at least 1-2k worth of charges and interest added to this credit card, can I pursue HSBC for them, Yes and if they are awarded, can HSBC withhold it against the original debt? No as its been assigned

 

5. If I decide to sell my property now, I assume I will be liable for the full amount to the HSBC Charging Order unless I get an F&F with Cabot and get a certificate of satisfaction? Correct

 

6. Do I still owe HSBC anything if Cabot have now bought it? No

 

Andy


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Check the charging order. If cabot have it, its usually a restriction K. If this is the case, dont contact them.

 

Be careful with cabot. They dont enforce legit debts. Or ive never seen a case where they have, but they are extremely greedy and if they smell youre willing to give money, they will try and push more out of you.


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I doubt HSBC got the CCJ rather cabot

look on your deeds

 

if this is a jointly owned home but a debt in your name

it aint going nowhere even if you sell as it will be a restriction k.

 

to answer your questions

all are mostly NO

bar the last one

you might get the charges back and the interest they cause but it wont come off the debt

it will gotto your pocket if you succeed.

 

so who's name is on the deeds bet it cabots already

its very rare for a bank to do court.

 

dx

 

Unfortunately the home is in my sole name, so looks like I'm going to have to try and make a settlement or somehow work these figures into my plans to get rid of the property... bit of a nightmare but hey ho!

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Check the charging order. If cabot have it, its usually a restriction K. If this is the case, dont contact them.

 

Be careful with cabot. They dont enforce legit debts. Or ive never seen a case where they have, but they are extremely greedy and if they smell youre willing to give money, they will try and push more out of you.

 

Thank you for the advice. I believe it's a charge as the house is in my sole name, I have pasted the entry from the Title Register below. Does this confirm my thinking? Is there anywhere else I should check the CO?

This debt was 2007 so originally unenforceable I believe, but with the CCJ and CO in place, I think I'm screwed and going to have to pay them.

 

As I want to sell the property, I have no way around this now, right?

 

(XX2014) Equitable charge created by an interim charging order of

the King's Lynn County Court dated XXX 2014 in favour of HSBC

Bank Plc (Court Reference XXXXX).

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I get the feeling I'm spamming the thread, so apologies if I'm making it confusing.

 

Another question based on something I just read. I read a Charging Order enables interest to be charged at 8% per annum. If I sell, am I going to get hit with 5 years of 8% per annum? The most recent letter from Cabot still references the original CCJ debt amount.

 

Grateful for your input.

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I get the feeling I'm spamming the thread, so apologies if I'm making it confusing.

 

Another question based on something I just read. I read a Charging Order enables interest to be charged at 8% per annum. If I sell, am I going to get hit with 5 years of 8% per annum? The most recent letter from Cabot still references the original CCJ debt amount.

 

Grateful for your input.

 

No the Judgment attains statuary section 69 interest at 8 %..up until judgment date or sooner payment (depends how its worded in your particulars if it is in your particulars if not then no interest can be charged ) not the charge...the charge simply secures the judgment.


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