carlsberg89 UE Diary

[Never-In-Doubt]

Re: carlsberg89 UE Diary

Hello again guys.

As well as the HSBC debt, my GF is having hassle from Barclaycard. They have started to ring her at work demanding payment. Are they allowed to do this? She is also still receiving statements adding interest account. Do I need to anything more or do I just ignore?

Thanks in anticipation

Get her to send this: ---> Harassment by Telephone at Work Template

[Never-In-Doubt]

Re: carlsberg89 UE Diary

Hi folks

Reference the HSBC debt described above. We have received a default notice from the bank. We also keep receiving statements with interest added.
Do I ignore or do i need to stop them adding interest to the account. I sent a notice previously as advised stating as they failed to comply with my CCA request they could not keep requesting payments. Am i right?

Thank you for being there

Just ignore for the moment....

[carlsberg89]

Re: carlsberg89 UE Diary

Not sure if this is the right place, but with regards to the CC debts my partner has in dispute with Barclaycard and HSBC, can she claim PPI mis-selling? Both debts are in formal dispute so would claiming PPI mis-selling jepodise her position with the unenforceability route?

Sorry if this obvious and thanks for the advise in advance

[Deepie]

Re: carlsberg89 UE Diary

Not sure if this is the right place, but with regards to the CC debts my partner has in dispute with Barclaycard and HSBC, can she claim PPI mis-selling? Both debts are in formal dispute so would claiming PPI mis-selling jepodise her position with the unenforceability route?

Sorry if this obvious and thanks for the advise in advance

Hi
It's pointless claiming PPI if your 2 cards are unenforable has they would just take it off the balance of the 2 cards
Niddy will be along to advice
best off luck

[MustGetStraigh]

Re: carlsberg89 UE Diary

Hi
It's pointless claiming PPI if your 2 cards are unenforable has they would just take it off the balance of the 2 cards
Niddy will be along to advice
best off luck

Yup - my OH is in a similar position. We have a potential claim of about £500 but the debt balance is about £2500 so unless they start court action we're keeping quiet.

I guess itmight be different if the amount of PPI vastly outweighed any debt???

[carlsberg89]

Re: carlsberg89 UE Diary

Thanks for the replies. I guess that gets to the numb of it. My gf has been paying 'payment break' insurance since the card started in 2001. It was apparently to assist at times of redundancy. She was actually made redundant in 2003 but never understood she could claim nor was she ever advised that she could!! She actually carried on paying the redundancy premium whilst being redundant!! Clear PPI mis selling to me. The amount she could claim would be greater than the debt outstanding so would wipe the debt out. But i guess there is always the chance she may not win and that may compromise her enforceability stance. Hmmmm

[MustGetStraigh]

Re: carlsberg89 UE Diary

Thanks for the replies. I guess that gets to the numb of it. My gf has been paying 'payment break' insurance since the card started in 2001. It was apparently to assist at times of redundancy. She was actually made redundant in 2003 but never understood she could claim nor was she ever advised that she could!! She actually carried on paying the redundancy premium whilst being redundant!! Clear PPI mis selling to me. The amount she could claim would be greater than the debt outstanding so would wipe the debt out. But i guess there is always the chance she may not win and that may compromise her enforceability stance. Hmmmm

Have a look on the PPI Reclaim forums on here...http://forums.all-about-debt.co.uk/f...play.php?f=194 if the amount she could claim is more than the debt and she has a good case it might well be worth having a go? (You claim interest too so that can add quite a bit). See what Niddy thinks.

[Never-In-Doubt]

Re: carlsberg89 UE Diary

Thanks for the replies. I guess that gets to the numb of it. My gf has been paying 'payment break' insurance since the card started in 2001. It was apparently to assist at times of redundancy. She was actually made redundant in 2003 but never understood she could claim nor was she ever advised that she could!! She actually carried on paying the redundancy premium whilst being redundant!! Clear PPI mis selling to me. The amount she could claim would be greater than the debt outstanding so would wipe the debt out. But i guess there is always the chance she may not win and that may compromise her enforceability stance. Hmmmm

You need to visit here and start a new thread about this, and then do the reclaim - Di30 will be along to help you once you post the original thread - forget the fact they are if you take this route - start with the Advanced SAR - however bear in mind that only goes back 6yrs so YOU need to provide all the details and work out a calculation based on knowledge or your own records, you'll see - its not that easy when it's so old!

Reclaim section is here: ---> Reclaiming

SAR here: ---> SAR Request - Advanced Version

[carlsberg89]

Re: carlsberg89 UE Diary

Okay so back to HSBC debt. Niddy previously confirmed unenforceable. Yay.
Have now received letter from Metropolitan collection advising they are acting on behalf of HSBC. I assume they are going to start hassling, so my question is, do I ignore or write to them stating that the account is in dispute and they should refer back to HSBC. If the latter, is there a template to follow.
Niddy- do you need to see the letter?

[Deepie]

Re: carlsberg89 UE Diary

Okay so back to HSBC debt. Niddy previously confirmed unenforceable. Yay.
Have now received letter from Metropolitan collection advising they are acting on behalf of HSBC. I assume they are going to start hassling, so my question is, do I ignore or write to them stating that the account is in dispute and they should refer back to HSBC. If the latter, is there a template to follow.
Niddy- do you need to see the letter?

Metropolitan are part of HSBC
Niddy is updating template letters in next few days just hold on

[Never-In-Doubt]

Re: carlsberg89 UE Diary

Okay so back to HSBC debt. Niddy previously confirmed unenforceable. Yay.
Have now received letter from Metropolitan collection advising they are acting on behalf of HSBC. I assume they are going to start hassling, so my question is, do I ignore or write to them stating that the account is in dispute and they should refer back to HSBC. If the latter, is there a template to follow.
Niddy- do you need to see the letter?

Just ignore for the moment......

[carlsberg89]

Re: carlsberg89 UE Diary

Thank you for your reply as usual. Cool new site btw and much repect for the fantastic work you and others are doing on here.

[Never-In-Doubt]

Re: carlsberg89 UE Diary

Thank you for your reply as usual. Cool new site btw and much repect for the fantastic work you and others are doing on here.

Cheers mate

[carlsberg89]

Re: carlsberg89 UE Diary

Well hello again after such a long time. Just when we were getting close to the 6 year period we have had a copy of a claim form lodged with the county court business centre from the claimant Hoist Portfolio holding 2 Ltd. This all refers to a Barclaycard debt that Niddy advised was unenforceable back in November 2010. In a nutshell we have a letter from Barclaycard stating that they are unable to provide details requested under the SAR and agree that their debt is unenforceable. Any advice on what are next moves are. Thanks in advance

[cymruambyth]

Re: carlsberg89 UE Diary

Hi, sorry to hear about that, can you please send a copy of the N1 claim form to Niddy. You will need to start a new post here http://forums.all-about-debt.co.uk/f...Legal-Services.
You will see that we have developed our legal expertise and as yet no one who has received help from AAD has had a judgement awarded against them.