Hi All,
In late 2011, a HSBC student account overdraft had defaulted (was about £15 over its limit for a few months)
I disputed this with HSBC, Metropolitan and DG Solicitors to ask why they did not send me a default notice, and to provide the credit agreement.
They did neither. I paid £250 to the account which reduced it to approx £1250.
They eventually sold it to MKDP LLP who were very aggressive and constantly phoning writing legal letters etc,
I kept asking them to prove the default was sent, and they did not. instead they only sent me bank statements for the past month of the account and said that was 'proof'.
I paid them all off in one go, as the thought of a CCJ was a nightmare.
After writing to them nicely saying as they haven't shown me a default notice, or CCA they need to remove the default which is causing financial chaos (cannot get mortgage) they just reply with a standard letter saying all data is factual and they have done nothing wrong, and the CCA does not repply to overdrafts.
Now, i checked my credit report with noddle and experian the other day, they have the account start date as October 1999.
This would have made me just 15 years old. This cannot be right?
Can I use this against MKDP to help me with the default removal? If not, what else can I do to help remove this from my reports?
In late 2011, a HSBC student account overdraft had defaulted (was about £15 over its limit for a few months)
I disputed this with HSBC, Metropolitan and DG Solicitors to ask why they did not send me a default notice, and to provide the credit agreement.
They did neither. I paid £250 to the account which reduced it to approx £1250.
They eventually sold it to MKDP LLP who were very aggressive and constantly phoning writing legal letters etc,
I kept asking them to prove the default was sent, and they did not. instead they only sent me bank statements for the past month of the account and said that was 'proof'.
I paid them all off in one go, as the thought of a CCJ was a nightmare.
After writing to them nicely saying as they haven't shown me a default notice, or CCA they need to remove the default which is causing financial chaos (cannot get mortgage) they just reply with a standard letter saying all data is factual and they have done nothing wrong, and the CCA does not repply to overdrafts.
Now, i checked my credit report with noddle and experian the other day, they have the account start date as October 1999.
This would have made me just 15 years old. This cannot be right?
Can I use this against MKDP to help me with the default removal? If not, what else can I do to help remove this from my reports?
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