I need some advice regarding my husbands bankruptcy

Mike_St_Helens

fermi wrote: »

True. But on some of the finer legal points an incorrect opinion can do a lot of harm.

Anyway, that's enough talking to ourselves....

Well thats a snub out of a chat if Ive ever had one ! :wave:

NekoZombie

Aww, how sweet you guys are! Hugs to Mike and fermi! And hello to zaphodbeeblebox! HSBC are !!!!!!s; are you sure you didn't sign anything?

NekoZombie

Mike_St_Helens wrote: »

You can also cancel a SO at any time, escpecially if the loan is not yours - as hopefully in this case !

Wrong! I had a similar problem with HSBC where I had an SO from my current account to a career development loan I had with HSBC. I couldn't cancel it without their authorisation, which they wouldn't give. Even now, the SO is active, and every month continues to draw money I don't have, and results in further charges. This despite the fact I have *told* them several times that I am now bankrupt.

fermi

Mike_St_Helens wrote: »

Well thats a snub out of a chat if Ive ever had one ! :wave:

Not intended I just have to be elsewhere.

I can also get these things just going round in circles if I'm not careful....

Mike_St_Helens

NekoZombie wrote: »

Wrong! I had a similar problem with HSBC where I had an SO from my current account to a career development loan I had with HSBC. I couldn't cancel it without their authorisation, which they wouldn't give. Even now, the SO is active, and every month continues to draw money I don't have, and results in further charges. This despite the fact I have *told* them several times that I am now bankrupt.

Grrrr... That is so so bad. Ill be honest, the only experience Ive had with this type of SO is when I was with the Halifax before B, also had a loan with them. I informed them that I was not able to repay the loan and canx the SO. They did it. I guess there isnt the guarentee like DD... Thats probably another reason they do it.. so they can chrge you on the bank account for going Od etc etc etc.... Grrrrr

What I was saying was that if this loan is NOT the op's then surley they have no right in going into her bank account and taking it without authorisation, a form of theft ?

NekoZombie

Mike_St_Helens wrote: »

What I was saying was that if this loan is NOT the op's then surley they have no right in going into her bank account and taking it without authorisation, a form of theft ?

You have a point there, which is why the OP needs to find the original paperwork that shows it was not a joint loan. In the meantime, HSBC probably will not cancel the SO. :mad:

NekoZombie

blind-as-a-bat wrote: »

NekoZombie just cos the bank says so dont make it true did you get a second oppinian to confirm what they said?

Nope, but I have internet banking and while I could cancel everything else, I couldn't this one SO. I called them and they still refused to cancel it. In the end, it doesn't bother me. I'm bankrupt - they can keep applying charges all they like, they still won't see a penny from me. (Well, aside from my IPA, which I have to pay anyway) :beer:

Mike_St_Helens

blind-as-a-bat wrote: »

just googled got this standing orders are customers’ instructions to their bank to pay a set amount, to a named beneficiary, at regular intervals (say on the 1st of the month) – either for a specific period of time or until cancelled so if they are instructions from you to them they have no say anyone agree?

Theres bound to be a T&C somewhere though that gets them out of this.

NekoZombie

blind-as-a-bat wrote: »

just googled got this standing orders are customers’ instructions to their bank to pay a set amount, to a named beneficiary, at regular intervals (say on the 1st of the month) – either for a specific period of time or until cancelled so if they are instructions from you to them they have no say anyone agree?

Ummm, except I didn't say to the bank 'please set up this standing order so I can pay my loan back'. *They* set it up themselves once I had to start repaying my loan. I literally woke up one morning and found that the SO had been set up and had taken £217! I hadn't even realized I was due to start repaying until then. And more to the point, I couldn't cancel it, or stop them taking the money at the level they'd set. I wouldn't be surprised if it was in the T&Cs of the loan I took out.

Mike_St_Helens

NekoZombie wrote: »

Nope, but I have internet banking and while I could cancel everything else, I couldn't this one SO. I called them and they still refused to cancel it. In the end, it doesn't bother me. I'm bankrupt - they can keep applying charges all they like, they still won't see a penny from me. (Well, aside from my IPA, which I have to pay anyway) :beer:

Similar thing with me, I still .. In fact today got a letter from Moorecroft chasing a catalogue debt, ech time they place the honourable charge of £12 for the letter... It amuses me to call them up each time I get a letter.. Ive learned to stay calm on these calls... They sure dont !