Hi there do yo think I really need to send them a letter then or do you think they will find out from HSBC bank that I have been in contact with them lisa this is the letter that i have prepared dont know if it any good as Im not very good at putting letters together I am writing to you in connection with the Hsbc Credit Card. This account is in dispute and I would appreciate it if you passed this account back to HSBC Bank with immediate affect. I require the you write to me within 7 days to inform me that you have do so.

Hi there paul I was wondering if you had lokked at this for me and come up with a suggesten lisa

Hi there paul yes it was signed on the 7-3-2007 mum has been paying a pound a month but they have not agreed to it but they it does show on statements lisa

Hi all Sent letter off todat to 1st credit, but mum got a letter from them today heading LEGAL PROCEEDINGS saying they are going to start legal proceedings WHAT SHOULD I DO PLEASE HELP. Lisa

Hi paul can I just ask you if I should send metro any thing as they are saying that the account is with them but I beleive it is inhouse dc. I have sent s.a.r off today thanks lisa

Hi Johnny Thank you will get it printed now and send it off tomorrow. Can i just ask should I send metro an account in dispute letter lisa

I am really sorry but just looking in dads folder and on the 12 June day after that letter I posted on here dad received another letter saying Thank you for your recent letter I regret that I am unable to provide you with a copy of the original application in respect of the account. Section 78 (1) of the Consumer Credit Act 1974 requires us to provide a copy of the executed agreement if any. Regulation 3(2) of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 allows that certain items may be omitted from such copies, including the signature box and signature. Therefore, the copy of the executed agreement we must supply is a copy but need not be a photocopy of the signed agreement. Regulation 7 of those regulations also requires us to provide a copy of the executed agreement, as varied, where there is a power to vary the terms of the agreement, which there is with your card agreement and that power has been exercised to vary the agreement, which again is the case with your agreement. We have therefor enclosed an up to date copy of the terms and coditions applicable to your account, a copy of the latest variation notice issued in respect of yoyr account and a blank copy of the agreement form. The agreement form contains the original terms and coditions that you accepted when you entered into the agreement. Clause 7.5 gives the Bank the right to vary the terms and conditions. The variations notice shows that the terms have beenvaried and therefore in accordance with this legislation the u tp date terms and conditions are the appropriate information to produce. Should you require any further information or assistance please telephone one of our representatives on 08456 077088

Can I also ask should I send metro a letter saying that the account is in dispute so to send it back to hsbc bank lisa

Hi I was just wondering if you could check this for me as I have add the bit about the signed credit agreement HSBC Bank plc 365 Chartwell Square Southend-on-Sea Essex SS99 2UU Data Protection Act 1998 Subject Access Request Dear Sir/Madam CREDIT CARD ACCOUNT NO: Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. Could you please supply a true copy of a signed credit agreement. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee. If there is specific information, which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one, which you normally use to communicate my private business to me and which you have therefore found to be acceptable. Yours faithfully,

Hi there can I just ask you know the agreement that LTSB sent well going back someone mention that it does look like its forceable can I still send the letter GM has adviced me to send lisa

Hi I will get all letter done tomorrow when children are at school mum does not mind paying a pound a month do you think she should start paying or leave it for now lisa

hi, here is the letter i was on about hope someone out there can help thanks lisa

Hi all Just to let you all know started paying marshall ward and littlewoods direct a pound each they have had two paymnets and they accepting them cos it shows on the statements but they are still adding interest and charges is there some kind of letter i can send to them about this please lisa

Hi all Just an up date Fredrickson must of passed this back to argos but they have now passed the account to capquest who have sent a thretogram will get son to post it on for me today if someone can advice us where to go from here lisa

Hi going to get s.a.r ready today to post tomorrow should i send metro a letter aswell. lisa

Hi N.P Argos have know passed mums account to capquest they have sent her a threatening letter will post it on my mums thread today some time the letter is called a creditors notice lisa

Hi citizenB did you reply to that letter hsbc bank sent you and if so what did you reply. Is metro in contact with you aswell lisa

Hi I was just wondering if I still need to write to metropolitian about this account cos we are s.a.r them as pt has adviced the thing is metro have today started phoning dad thank you

Hi paul would I you the template letter and then just and the bit for a signed credit agreement to the bottom and would you address it to the fella how sent the other letter to dad lisa

Thank you very much will get a S.A.R sent off, we did that with dads overdraft but still heard nothind so we going to have to go get an n1 from the courts. Did you see where they said information you getting off the sites is misleading how dear he lisa

Hi this is the letter i was on about could someone please advice me on what to do a.s.a.p lisa

Hi hopeful1 They provided the credit agreement which is in post 310 and yes there are charges know on the credit card cos have not paid since oct but for the past couple of month mum paid the £1 should i still send the letters from gm lisa