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bb23

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About bb23

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  1. Hello. It's been almost 5 years since i was last here. Still paying off that damn managed loan! During 2004 when i was originally pushed into taking the loan (due to dire financial circumstances and a lost job that meant i could not pay my debts) I was told that the loan was "managed" and would be regularly reviewed until i was in a better position to pay it. After a year i asked for it to be reviewed and they told me that managed loans weren't dealt with in that way. A story that i've heard other people tell since then! At that time, i was heavily depressed and taking prescription
  2. That sounds aweful You need to send a subject access request to begin with There's a section on here which has templates. In my phone do can't see where that is (sorry) It's a long process. It took me a year & I lost I'm the end! But I fought the whole way & you should too
  3. bb23

    BB vs TBI

    I CCA'd TBI in July requesting my true original copy of the agreement that was passed to them by Wescott after a debt to HFC bank was taken over back in 2006. After reading that TBI don't tend to hold copies of our loan agreements i thought i'd chance my luck, after my last fight with HSBC i know i've got the guts to do it they replied today with a rubbish looking printout of my balance and some screen prints of my stuff on their database. no signed loan agreement in sight. not even an application form between myself and HFC (which i've read they do send to people, claiming it's le
  4. An application form is not a credit agreement They've no leg to stand on if that's all they have as proof of your debt.
  5. Q2: We paid another rent payment in October, one month after we moved in. Q3: Ive checked the inventory and general upkeep and can't see where they'd pull me up on other repairs (they've been very slack and i've only had 3 inspections in 5 years) Q4: Im writing them a letter now to ask what they want done about the repairs and also to ask them to protect my deposit. I think this is the best approach. at least this way we can work out between us how to fix the kitchen before i even hand in my notice.
  6. Hello - i do post on these forums but usually on the bank bits i find the people here amazingly helpful and i'm hoping someone can assist me as i have a number of questions. I signed my original joint tenancy (assured shorthold) agreement in September 2005 with my partner. The rent back then was £420 and my deposit was also £420 so initially i gave my landlord £840 at the start of the tenancy for 1 month in advance + deposit. In 2008 I split from my partner and he moved out and i signed a new sole tenancy agreement. The rent increased to £450 but is now paid by the council (paid to
  7. i need to resurrect this thread and i hope the same people are still about who helped me before. In the copy of the "Fixed Term Loan Agreement" that they FINALLY sent me a photocopy of it stated early settlement fees etc for however much of a % of the term had elapsed, being in a position where my partner could now potentially clear this loan for me, i phoned the bank with the information, saying i wanted to close it for the £3,000 that it states on the agreement what did they tell me "a managed loan agreement does not have an early settlement fee" so i look a bit closer a
  8. I fought them for over 12 months trying to get it sorted on the basis of an unsigned agreement and after missing deadlines and me taking them RIGHT to the last point they suddenly managed to find the agreement they had been stating didnt exist. was tough going and disappointing. the HSBC Managed Loan needs some kind of class action brought against it in my opinion. as it doesnt seem to have acutally ever helped anyone!
  9. Battle is over - i received a photocopy of my agreement today - and it is signed by both me and the bank
  10. the first 2 on that list are still being applied - payment and interest have both been taken. I have not heard from HSBC since 4th June and i'm wondering whether i should write Sue Hancock another letter or phone on the number she gave me, which is definitely a different format to the standard HSBC style numbers.
  11. hm, reply from them saying they're looking into it {sigh}
  12. My latest letter went out today. To be honest, I'm not wholly optimistic. I'm sure they'll find a way to wriggle out of it but we'll see!
  13. thank you, i don't think i could have got as far as i have without the help of the people on here. I will write another letter and see what happens.
  14. Thank you, i'm terrified of defaulting on it though. I have 6 defaults that are due to clear next year, i'd hate another one. Also, £1 a month will never pay it off and what i really want is it gone.
  15. I have just received a letter from HSBC that says: "We are unable to provide the true original signed copy of the Managed Loan Agreement as this is not held in a structured filing system i.e. in files referenced with your name of account details and is therefore outside the scope of the Data Protection act '98. We are satisfied that this procedure meets with the Information Commission's requirements" "I confirm that our obligations under the Data protection Ace 1998 have been met" SOOOO does this mean i can still take them to court of an unenforceable loan, or are the absolved?
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