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Received a claim? Yes
Issue Date:
Amount approx: 1500
Claimant: Hoist Portfolio Holding 2 Limited (HPH2 Ltd) /Robinson way Ltd
Solicitor: Howard Cohen and Co
Original Credit: HSBC Ltd
Amount claimed: £1089 - original debt
£70 - Court Fee
£80 Court costs
£343 - Interest
0.27 interest per day after the court hearing.
Origin of the debt - Overdraft.
Approximate date: 2012
Additional information: Hello everyone, I have been notified of a court summons and am having difficulty understanding what the best course of action is. I apologise if I have not written this post in the correct format, but I will explain the situation first.
I am British but have been living and working in Hungary for three years, I have no assets in the UK and it is likely I will return at some point. Recently a family member has been receiving post for me, I told them to save it for me until a later date but the frequency started to increase and eventually they opened some of it. This was actually quite fortunate as the final letter was an imminent court date. I acknowledged this with two days to spare, then have been panicked by it for a week and I now have a week left. I have not ever lived at the address the mail was sent to, but I did register my drivers licence there which is how I assume it was
While I know that I had the debt with HSBC (at the time I was a student, because I had not paid enough money into the account they closed it while I was away carrying out fieldwork and demanded the full amount to be paid back, it had not exceeded its overdraft limit - I should have complained about this at the time, but other other than in the branch at the time I didn't). The account (so I assume any credit agreement) would have be signed in the early 2000's. Because of my current location I have no access to old paperwork to back this up.
I am unsure of the following:
1. If the total amount is correct - I suspect I had paid some of it off with them but cannot be sure.
2. Is there any action I can take to dispute the total amount.
3. What interest charges are they entitled to add - I have tried to read about this but I don't quite understand.
4. Do I still have any time to do anything about this?
I have tried to obtain my statutory credit report to find more out about the debt, but because I have not had a UK address for three years it didn't work. It was approximately 2012.
I am very grateful for any assistance,
Thanks.
Issue Date:
Amount approx: 1500
Claimant: Hoist Portfolio Holding 2 Limited (HPH2 Ltd) /Robinson way Ltd
Solicitor: Howard Cohen and Co
Original Credit: HSBC Ltd
Amount claimed: £1089 - original debt
£70 - Court Fee
£80 Court costs
£343 - Interest
0.27 interest per day after the court hearing.
Origin of the debt - Overdraft.
Approximate date: 2012
Additional information: Hello everyone, I have been notified of a court summons and am having difficulty understanding what the best course of action is. I apologise if I have not written this post in the correct format, but I will explain the situation first.
I am British but have been living and working in Hungary for three years, I have no assets in the UK and it is likely I will return at some point. Recently a family member has been receiving post for me, I told them to save it for me until a later date but the frequency started to increase and eventually they opened some of it. This was actually quite fortunate as the final letter was an imminent court date. I acknowledged this with two days to spare, then have been panicked by it for a week and I now have a week left. I have not ever lived at the address the mail was sent to, but I did register my drivers licence there which is how I assume it was
While I know that I had the debt with HSBC (at the time I was a student, because I had not paid enough money into the account they closed it while I was away carrying out fieldwork and demanded the full amount to be paid back, it had not exceeded its overdraft limit - I should have complained about this at the time, but other other than in the branch at the time I didn't). The account (so I assume any credit agreement) would have be signed in the early 2000's. Because of my current location I have no access to old paperwork to back this up.
I am unsure of the following:
1. If the total amount is correct - I suspect I had paid some of it off with them but cannot be sure.
2. Is there any action I can take to dispute the total amount.
3. What interest charges are they entitled to add - I have tried to read about this but I don't quite understand.
4. Do I still have any time to do anything about this?
I have tried to obtain my statutory credit report to find more out about the debt, but because I have not had a UK address for three years it didn't work. It was approximately 2012.
I am very grateful for any assistance,
Thanks.
