went into the local branch, listened nicely to what i said !!! took my SAR form and offer of small payment to reduce current overdraft will wait now for answer I have been looking at the interest calculators which one would I use for a current account

thanks for that tried so hard today to work something out with them nevermind anyway am going to put in a new claim have SAR them and then going to follow the steps as set out on here to include interest etc thanks again for help today

Many thanks,, the letters were exactly what I was looking for. Saved me loads of time looking. SAR do I have to wait forty working days or just calendar days Diolch ffrindiau Off down the bank in a mo, see how they like it !!!!!

think i was after a N or M template letter to freeze this account and offer token payment untill whole thing resolved phoned them today and they will not even talk to me so will have to go into branch today with these letter Diolch yn fawr

have seen excellent templates on here for letters to freeze charges on my bank account and pay agreed amount towards the balance but cant find thread help please !!!!

THIS THREAD IS FULL OF BRILLIANT INFO X ANY UPDATES realise I am only at the beginning of my long journey anj

thanks for the advice have not SAR them yet just got six years bank statements and sent in a claim, will do that would it be best to try and pay off the overdraft and new fees Bank charges to date are in excess of 4k

dont have the SAR letter templates I thought we had to wait for the out come of the test case Would you phone HSBC and ask them to freeze the account as it stands and accept payment to clear the new debt# and file for a new claim of bank charges just incurred my last one covered up to September 2007

should read what should i do next lol

Thanks for reply I have a claim in for charges at the moment but because of the test case nothing paid as yet I want to sort this new mess out asap What doand advice you suggest ?? am so angry with these new charges Thanks for the Welcome

In December I changed jobs and banks. I knew my account was £500 overdrawn to its max and thought I would get it sorted when I got back on my feet a bit. I went from weekly to monthly pay and with xmas etc etc. Imagine my horror today when going into the bank to pay something in the mini statement showed £320 charges had been added since last transaction.. I phoned them up and told them a No statements had been sent since December b These charges are too high Nothing can be done I was told Please help I want to put this right and pay off what i Owe What should I do first

last payment to the original credit was before Jan 02 as we have old bank stmnts payment to the DCA we stopped Dec 07 as we are not convinced we should have been paying them it was an unsecured loan

Thanks Godmother for your reply this is an excellent site and I have spent hours looking at the threads my scanner is broken and i will have to wait to the end of the month then I will scan it on I am convinced thinks are not correct on the CCA but would love a proper opinion from the experts but a simple question If a loan was taken out in 2001 and defaulted Dec o2 and no activity shows on the credit file against that loan even though a DCA has collected against it, should that be

branch address and not head office hand written as well

Can a true CCA have the words Borrowers second copy on the bottom of the page

Thanks For The Link Very Helpful There Does Seem To Be A Lot Missing From The Cca In The Customers Signature There Is No Provision Fo A Date Also The First Payment Seems To Be Due The Date The Agreement Was Signed And The Loan Protection Is Based At The Same Rate As The Loan Any Advice Please8-)

After Posting On Here Last Night I Had A Good Look At The Cca And Thinks Its A Fake Its From Hillsden The Writning On The Cca Is Very Heavy In Places But The Signature Is Faint And Hardly Legible And Its Not Dated The Post Code Is Wrong And No Tel Numbers Are Given There Are A Few Other Discrepancies As Well What Should A Proper Cca Say And How Many Pages Should It Be I Cant Scan It On Here At The Mo Please Help

Thanks for the letter Now that the DCA has what looks like the original CCA but have not provided a copy of the DOA or I think statement of account and the debt defaulted nearly six years ago Do you think they will seek court action and what could happen if they do ? thanks

I am very new to all of this and wonder if any one can offer advice. I have been trying to get some old debts sorted out. I requested CCAs from all the DCAs and to date only one has provided a copy of the original agreement but it came some two months after the initial thirty days were up,, they have yet to provide the deed of assignment I have a copy of the experian credit report it shows the original debt but no payments since 2002 against the debt and no mention of the DCA who has been collecting money supposedley for 5 years iro of this debt What shall we do next, I am not convinced they have the authority to collect this debt. they were well out of the timescale for providing the CCA can they enforce this debt.. In December i think this debt will go from the Credit Report Does anyone have a suitable template to send them of a letter or any ideas what we can do next