Cabot chasing historic CCJ no longer on OH's File

[gramtrad2]

Hi all,

I have been assisting my wife to get back her bank charges from HSBC; these total some £3k over the past few years.

 

We presented a hardship case and have been successful in getting them to refund the last three months charges, which amount to some £550.

 

However, they are stonewalling us on the remainder which stretch back over 10 years.

 

They have now got a bit tougher and have called in the overdraft of £2.7k and given us 18 days in which to pay it (from 4th June).

 

 

My view is that the bank charges are my wife's money and am minded to refuse to pay the banks demand.

 

I have read through the landmark judgement on the case and some of the postings with regards to the same. However, I am still confused as to which way I should now go.

 

Can some one point me in the right direction, please?

[miss muppet]

Have you thought of doing a Subject Access Request to the Bank? The letter is in the debt collectors library and you should enclose £10 postal order and print your name. This should turn up some interesting information on your wife's account.

[gramtrad2]

Have you thought of doing a Subject Access Request to the Bank? The letter is in the debt collectors library and you should enclose £10 postal order and print your name. This should turn up some interesting information on your wife's account.

 

Thanks.

 

We did actually do a SAR but only requested copies of earlier bank statements, which they sent to us.

[Old Cogger]

+Report their actions to FSA & FOB services regarding hardship claim and subsequent action they are doing, I would if it was me. HSBC act like children these days, very imature people. Seems to me most of HSBCs decent employees left in the last few years I know a few.

[gramtrad2]

Case Update.

 

We took this as far as the Ombudsman but he also turned it down! Have now placed it with a CMC; let us see how they get on.

[gramtrad2]

Hi, 

 

I would appreciate some help and guidance please.

 

My wife had a CCJ from HSBC for £3.1k over 6 years ago; it related to bank charges and on principle it was never paid.

It dropped off the credit file earlier this year,

 

just recently my wife has had a letter form Cabot who have now purchased the debt and are chasing; we have not taken any of their calls or replied to their polite letter saying "Welcome to Cabot" !!!!

 

I have a little knowledge on the subject!

I am aware that a CCJ never totally goes away, but anyone seeking to enforce, it after 6 years, must go back to court first.

I am also aware that they will have bought the debt  for a pittance. 

 

Any suggestions, please, on how we should handle these bloodsuckers, Cabot ?

[dx100uk]

was the CCJ attained by your wife whilst resident at your present address?

 

dx

 

[gramtrad2]

Thanks,. It was registered at a previous address, over 6 years ago

[dx100uk]

I would be updating them with here address officially in writing

don't mention anything about the CCJ.

 

I would expect the next rumblings to be a resolvecall letter

 

dx

[gramtrad2]

They have her new address; they found it somehow and that is why they wrote to her with their Welcome Letter.

[dx100uk]

they got that from her credit file

that isn't being officially informed by the debtor in writing

they could file a claimform to the old address on this or any old debt 

the fact it has a previous CCJ is immaterial.

 

never run from debt!!