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    • Ofcourse you wont be playing twice. i think you dont fully  understand how a secured loan nor a ccj works.   You should have a charge dated from when you signed up to welcome against the property. That reminds until settled.   The fact someone, could have been welcome more likely cabot ? Got a default ccj in oct 2014 doesn't change anything with regards to what you ultimately pay, just a few more fee as it went to court   Your credit file will show who got the ccj Your online deeds will show you who owns the charge now.   I suspect as welcome vanished in 2012 if not before i suggest the debt was sold on ? And the above won't show welcomes name?    
    • What date of issue on the claim form ?   Andy
    • Many thanks..yes I did not want to give any indication that I was aware I had parked on the site at any point especially written down. That said I will keep the new entry in. Do I need to add their ref no etc at the top of the letter and or date of infringement? 
    • Hi, thank you for the quick response.     Yes we asked them for the original credit agreement but they only sent a statement of previous payments and charges, etc. Looking back at the communications, we actually asked for this information a year ago and they sprang into life a few months ago.     The letter of claim only referenced the OD not the credit card.   The last feedback we got from them was that they thought the credit card debt was not statute barred and would be sending information over regarding the OD.   Do I need to mention anything specific in the SRA to Lloyds?
    • I have AoS using MCOL. Slight issue in that it has an old address listed and I had no way of changing it using the system. I have emailed mcol@hmcts.gsi.gov.uk to ask them to amend/update, but don't know if that will work. Regardless, at this point I don't think it changes what i need to do - but correct me if I'm wrong.   So, next step would ordinarily be "get a CPR 31:14 request running to the solicitors asking for all relevant bills" Is that correct? Having said that, I have copies of the bills from Eon, and Lowell have also sent me copies of bills. Should i still go ahead with this regardless?   Folowing this, my next step would be filing my defence, correct? And, now that I've done the AoS. I'd really appreciate a sanity check on when I need to file my defence by if that is indeed the next step.   I'll be looking at more threads. I'd like to be able to put all of this to one side until Feb 3rd (I have an absolutely crucial - 5 years of work to get to it - deadline of 2nd Feb for something I'm working on that is totally unrelated but is eating up all my time until then). Am I correct in thinking it's okay to leave this until Feb 3rd now??   Thanks again for your help thus far. Donation made.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

un1boy v HSBC - SETTLED!


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No, because they won't tell us. If they did, that would be admitting they made a profit from those charges, and as they're not allowed to, that would effectively be an admission of guilt... Can't see that happening any time soon...

 

.

 

Not quite true... If they are as they say associated charges covering their losses (Ok we all know that that is a load of smiley35.gif but bear with me a second...) then if they are truely paying out just to avoid the costs of going to court then of course it's going to affect their profits...

Also will affect their profits if they are making a profit on these... Whether it will ever be categorised as such though...

 

In all honesty... What we have got out of the banks is just a drop in the ocean to them... I doubt that (at the moment) it even registers...

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As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

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Yeh, I guess you're right - what I meant was, it would be interesting to see when the annual profit statements are realeased how they compare to the previous, what with the amount of people that are now claiming - if they are less, then clearly they are making profits from the charges!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Yeh, I guess you're right - what I meant was, it would be interesting to see when the annual profit statements are realeased how they compare to the previous, what with the amount of people that are now claiming - if they are less, then clearly they are making profits from the charges!!

 

Yup, and if you're a shareholder, sell now before they release any profit warnings!

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Hi there,

 

I am just completing calculating my charges from the statements I have been sent. When this has been done, which letter do I send?

 

I'm thinking of sending this one:

____________________________

your address]

 

 

 

[their address]

 

 

[date]

 

 

Request for repayment of charges

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX

Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

 

In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

 

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

Yours faithfully,

 

 

 

 

 

[name]

 

Red - only include if necessary

____________________________

 

Is this the right one? If so, what so I enter when it talks about the "overdraft interest is:"

 

Please help!!

 

Thanks

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Please read the FAQs. There is a step-by-step guide.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Hey Guys,

 

Just to let you, I've just sent my Premlin letter off to HSBC asking for £442.50, sent recorded delivery. We'll see what they have to say.

 

I'll keep you posted, of course.

 

Thanks for all your help and advise guys!

 

Un1boy

 

MOD NOTE: THREADS MERGED - You have been advised about this before - If you start a new thread again it will be closed.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Well, called the Roayl Mail's recorded delivery service and it seems HSBC received my prelim letter yesterday - I assume the 14 days includes weekends?

 

Also, I originally asked for them to send me a copy of all my credit card statements in my originial DPA request. They ignored that and only sent my my current account details - I have far more charges on my credit card!! hehe. I included in the letter that it was a second request of my first request!!

 

I'll let you know what happens!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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15 days into it and still not heard anything about my claim!!

 

Not received my credit card statements yet either, nor a reply to the request. Will call them later and find out what's happening with it!

 

Also, does anyone know if the OFT ruling means we can now only claim anythign above £12 per charge?!

 

Thanks guys!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Well are YOU satisfied that £12 is justified ? Or do you think that it is still in place as a penalty ?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The OFT has not said that £12 is necessarily fair. It has said that that is for the courts to decide... Although it will not itself investigate if under £12...

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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No, not all - I made a made a "Bank Account" program as part of my degree. took about 30 minutes then everything else was automated. All the user had to do was type in the amounts and whether it was deposit or withdrawal.

 

I set the charge amounts for going over the overdraft and then set it to withdraw that amount each time it "triggers" and goes over any agreed overdraft limit.

 

They are (edit) us, all it takes is 2 seconds for their programmers to change the values and then they just leave it and see the money come rolling in!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Think you may have just answered your own question then...:wink:

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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No, not all - I made a made a "Bank Account" program as part of my degree. took about 30 minutes then everything else was automated. All the user had to do was type in the amounts and whether it was deposit or withdrawal.

 

I set the charge amounts for going over the overdraft and then set it to withdraw that amount each time it "triggers" and goes over any agreed overdraft limit.

 

They are (edit) us, all it takes is 2 seconds for their programmers to change the values and then they just leave it and see the money come rolling in!!

This is an interesting post. Clearly this was a project you worked on yourself, but I expect you were given some examples and guidelines by way of explaining the concepts...

 

Any idea where we can find some reference sources...it could be helpful to the cause...

 

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

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Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Tell me about it, it weas such an enlightening project!

 

Yes, tutors gave us an example etc - I'll have a look through my wardrobe and computer files and see what I can find - think I might have shucked it out though.

 

Will let you know what I find!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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un1boy vs Experian - Default removal

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Will let you know what I find!
Brilliant - thanks.

 

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hey,

 

I sent a letter to HSBC asking for a copy of my credit card statements, which were requested as part of my original DPA disclosure reqest but never sent. Although both accounts were closed and sent to a debt collectors, I had an ISA account with nothing in it, but kept it open so I still had access to the Internet Banking Site.

 

Well, I sent them a secure message asking fo rdetails on how to contac tmy branch regarding two lettters that I have sent them. I got this reply back:

___________________________________

Thank you for your e-message received 16 June 2006.

 

I apologise for the inconvenience caused.

 

I confirm we have received 2 letters concerning the repayment of charges and Data Protection Act Disclosure request on 12 June 2006. My colleagues are currently investigating your complaint.

 

Further to your query, I confirm you can call our Customer Service Centre at 08457 404 404 (UK) or +44 1226 261 010 (Overseas) where my colleagues will assist you in contacting your account holding branch.

 

Please do not hesitate to contact us, should you have any further queries.

_____________________________________

 

Hehe, now I definitely have proof that they have received them.

 

Quick question, if I sent them a DPA disclosure request and they sent my current account statements, but not my credit card statements, shoudl the credit card statements have been sent to me within 40 days? Can I do them for this as well?

 

What you reckon?!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Actually, I've just realised that tehy received the Claim Letter on 08/06/2006.

 

Hmmm...I'm gonna repley telling them they have got it wrong - talk about trying to drag their feet!!

 

I'll let you know what I send etc!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Well guys, here is waht I have sent them in reply to their previous Secure Message:

____________________________

Thanks for your reply.

 

I would like to point out however, that according to the Royal Mail's Recorded Delivery Service, the repayment of charges letter was received by HSBC 08.06.2006. Therefore any deadlines will be calculated from that date. Due to

this, I should expect to receive a reply to the charges letter by 22.06.2006. If

I have received no reply, or one that is unsatisfactory by that, the next step

will be inititated.

 

Also, the DPA disclosure request was received by HSBC 07.06.2006.

 

Please confirm both of these dates asap.

 

Thanks.

____________________________

 

What do you think?

 

I just want them to know I mean business and WILL NOT let them drag their feet. I am right in what I say aren't I? That it's from the date the letter is received full stop, rather than just when received by the "relevant" department?

 

Thanks again for support and advise guys!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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That it's from the date the letter is received full stop, rather than just when received by the "relevant" department?
It's actually from the date they receive the statutiry £10 fee...if you enclosed this with your request letter, then all well and good. If you sent a cheque, or anything else that they could delay over, then it will be from the day they cash it...

 

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks for this, but HSBC didn't cash the cheque and they sent me a letter confirming that would send the statements, and included my cheque.

 

Do you think it's fair enough to start the 40 days from the date of that letter? Or are they "exempted" from the 40 days because they haven't taken payment?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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The 40 days counts from the date they received payment. By returning the cheque they are waiving the fee, they are not refusing to treat it as a DPA request unless they specifically state this.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Fantastic, thanks for clearing this up.

 

I read somewhere on this forum that is acceptable to assume a letter is received two days after it's date, as long a copy of the letter has been kept.

 

So, I'll start the 40 two days after I sent the letter.

 

I can't believe they still haven't sent my credit card statements!!

 

I'll start the steps to complain about the breach of the DPA!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

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un1boy vs Experian - Default removal

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The fact that they returned the cheque implies receipt - if they choose to return it, that is their prerogative. That is the date to start your timetable...good luck with this.

 

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I thought as much. Thanks very much for confirmting this - you've been a great help!

 

I'm going back down south for a week today so I'll get the DPA breach and LBA letters prepared as soon as I get home using my parents PC, hehe.

 

Thanks again.

 

I'll keep you posted!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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