Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
just wanted to start a thread regarding my cca request for my HSBC credit card. i took the cca route because i feel i am being royally shafted with interest and wanted to see the original T&Cs.
Im not very clued up with all the interest and such but i spent £2500 on the card and have to date paid a little more than that back. however, the balance on the card is still at £2500ish so i wanted to see exactly what i agreed to.
I sent the cca along with a postal order for £1.00 to the canada square address. The 12 working days ended yesterday therefore i wont be making any further payments until they produce the copy contract. they have until the 7th december to comply.
the day after i sent my cca request i also sent an SAR for my current account and credit card account to see exactly how much i have paid thus far.
what i found odd is that they have so far only responded by sending the statements for my current account. it was actually only the cc statements i wanted but they havent sent those (yet).
the other thing i find rather silly is that they sent back the £1 postal order for my cca request back with the SAR saying they were waiving the fee. so i wonder what they have done with the £10 cheque for sar and where are my cc statements? lol
i have had no acknowledgement that they r dealing with my cca but obviously it is in my folder with them as they were able to send back the cca fee with the sar statements.
I am reluctant to chase them up until the calendar month has elapsed so will post any updates as and when this matter proceeds.
When they returned your £1, did they acknowledge they had done so? It
appears to me that they could weasel out of it by saying they have no record
of receiving your request. I do think you should write and ask them why the
fee was refunded-there is no need to mention that you are aware of timescales etc. interest is a funny thing. If you borrow £1000 at 10% per annum, and then pay nothing off, the debt will have doubled in 6 years, not the 10 years that
you might expect. So the longer you take to repay eg just paying the minimum
each month, the more the interst accumulates-which is one reason that c/card companies like to keep monthly repayments low.
cca request for credit card
credit card. i took the cca route because i feel i am being royally shafted with interest
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