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getitsorted

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  1. Hi everyone I have had a quick look round but can't seem to find a thread to answer my question, so i hope someone can help me!! I requested a CCA for my loan with HSBC in June of this year, after numerous letters and phone calls from then which i state that they haven't complied with my CCA reques I finally get one from them 2 days ago!!!!! Anyway, i applied for this loan online and the money was in my account (HSBC) the same day or next day i seem to remember! They have sent me about 5 sheets with all the terms etc on, but the signature is a tick in a box, (because i did it on
  2. WOW! Thanks a lot for the the rapid response! That looks great! I will send it off tomorrow! GIS
  3. Hi I woud just like a bit of advice as to how I respond to a letter from citi cards! I requested a CCA for my husband and this is what they have sent back. I wil have to type it as i haven't got access to a scanner today. Dear Mr X Re: Acc number Thankyou for your recent request for information. We regret to inform you that section 78 CCA 1974 does not require CitiFinancial to provide you with a copy of the executed agreement as you appear to believe. It requires CitiFinancial to provide you with a "copy of the executed agreement" as defined by the Consumer Credit ( Cancellatio
  4. Hi everyone I haven't posted on here for a while. I came on a few months ago for CCA advice. I have requested CCA's for a few of mine and my husbands credit cards and loans. They are all past the 12 and 30 days mark. Some have just ignored our request and keep demanding money!! Some have sent a valid CCA (both our eggs and Northern Rock loan) for which we have negotiated a reduced payment plan. An some CCA are invalid. I just want to know where I go from here. The egg and northern rock are ok at the mo, even though they have defaulted us for not paying, when we are paying just red
  5. Hi everyone I received a ltter replying to my letter saying the CCA is illegible and requesting a legible copy, they are not sending me anything else!! I have posted it below. Image of mbna cca reply - Photobucket - Video and Image Hosting Also I have received a default notice now. Could someone look at it and see if it is correct. They shouldn't be able to issue a default notice until they comply with my request should they? Image of mbna default1 - Photobucket - Video and Image Hosting What do i do in response to both their letters? reply saying they can't issue a defau
  6. Hi everyone We have had a letter form goldfish in reply to our letter suggesting the CCA is unenforceable. They are also still phoning and writing requesting payment and threatening a default. I have posted thier reply below. What do I do now? Just sit tight and let them take us to court? Thanks GIS Image of goldfish cca reply1 - Photobucket - Video and Image Hosting Image of goldfish cca reply2 - Photobucket - Video and Image Hosting
  7. Hi everyone I have recieved a reply back to the letter i sent about the CCA being unenforceable. I have attached it below. What do I do now? Just sit tight and let them take me to court?? GIS Image of cap1 cca reply1 - Photobucket - Video and Image Hosting Image of cap1 cca reply2 - Photobucket - Video and Image Hosting
  8. I say it has all thos things on the back ie the 'prescribed terms' but i can't actually read it properly, i can make out odd words and know they are part of sentences that i have read on my other cca's. I genuinely can't read it all and it is a really bad copy!
  9. Hi I don't know. It has my signature on it on the front. It has the sentence that relates to the credit limit on the back and the apr and something about payments. BUT there is nothing to link the front and back, AND on the front there are 2 scissors so it looks a bit like a cut and paste job so I was confident they hadn't got the original was IF it was enforceable but they made me lose my confidence in that phone call, which is their aim!!
  10. Hi Thanks! I don't know why i spoke to him! He caught me off guard with the mobile number! I am so annoyed with myself for speaking to them! I usually do just say can you put everything in writing!! I know that is exactly what they wanted, to get me scared like that! Thanks for replying!
  11. Hi I am shaking!! I have just had a rather irate conversation with a guy from MBNA! He phoned on my mobile from a mobile number and asked if i was "my name" and i said yes and he proceeded to tell me they had my letter under section 78 and he is required to tell me unless i pay ££ now he is passing it to his legal team to start litigation and then asked if i was a home owner, i said yes (is he just trying to scare me here?). There was no questions for data protection or anything!! the same guy phoned me the other day and didn't ask any security questions either but that was before they had r
  12. Hi I today received this CCA from MBNA for a virgin credit card. They went into default on 3rd July, so its a bit late. They sent it printed on one piece of paper the first bit on one side and the second bit on the opposite side (obviously an attempt at making me believe this was originally two sides of the same document!). Although on the suface I think this is probably enforceable, having the prescribed terms etc, BUT it is very illedgible which makes me think they have not photocopied it from the original. Also on the front page you will see there is a pair of scissors abov
  13. Thanks Creditcardmug, I will check tomorrow about Barclays although they are not obviously connected to any of my other creditors, i realise that they may be without me even knowing! I will send an S.A.R to HSBC asap! Didn't want to start that yet but looks like I have no choice if I want to defend myself against these guys!!
  14. Hi Thanks for your help. Yes i have just read the t&c's on their website! I have another account with Barclays so I am going to use that from now on!! Only problem is, I cab't close the HSBC account as I can't pay the £2000 overdraft! I will just have to leave it stagnant for a while until I can deal with it. I will def claom back all the unlawful charges but it will prob only be around £600 (rough guess). If I start the reclaim for these charges i believe it puts the account into dispute. Does that mean HSBC can't ask me to pay the whole overdraft amount until the claims ar
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