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Hello,my debts have been passed on to recovery agencies

Hello,my debts have been passed on to recovery agencies
HI,like the title,i've had charges off HSBC andLloyds going back years but they have passed the debt onto recovery agencies can i still put a claim in against the bank? Plus i'm going for hardship.Any advice? thanks

Comments

  • stu1975
    stu1975 Posts: 76 Forumite
    Yes you can still put in a claim, you need to make sure that you send HSBC and LLoyds an Account In Dispute letter and also the debt agencies.
    Regarding the hardship claim, there are specific criteria that you need to meet, have a good look through the hardship threads.
    Abbey Claim 1 - WON £2300 Inc Interest :rotfl:
    Abbey Claim 2 - Won £990 :rotfl:
    Abbey Claim 3- £1157.80 + Interest @0.25 per day (LBA)
    Natwest-SAR sent 10/08-Closed Account
  • tomc456
    tomc456 Posts: 9 Forumite
    do i need to still send the data request lettrs even if i feel i qualify for the hardship?
  • Orford
    Orford Posts: 2,199 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    tomc456 wrote: »
    do i need to still send the data request lettrs even if i feel i qualify for the hardship?
    Not if you have your statements (or can access them on-line). Otherwise, yes, since you need to know what charges you've incurred.
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