I have a letter from Restons solicitors who are acting for HFC Bank received yesterday.

Hi, Just been reading all of the above, can anyone tell me if they publish bankruptcy in the local papers? I am considering it myself, but live in a small village, and the thought of all knowing really puts me off.

Thank you emmaf01, of to do that now.

Thank you sillygirl and ukaviator. I have found the letters I need, and once I have their addresses will post them out following all of the points stated on the site. I am not sure if they should be sent to the credit card payment address or the issuing banks head office, I guess it is to the credit card payment address, but I am sure you will put me right...lol I cant believe this site, and I am e-mailing all my friends in the same position as me, so they can get help as well. Thanks very much every one...It's great to have someone to talk to!!

Hi emmaf01, Thanks for your responce, the debt company is gregory pennington and I have to pay them £100 to manage things for me, if I change them now, it will cause all the problems with the phone constantly ringing again, and I dont think I can cope with this anymore. The offer that has been made is really more than I can afford just now, as I am unemployed again, but if it turns out that I never ordered this card, as I cannot recall doing so, then they wont get anything from me, and hopefully this will be one less worry. If it turns out that I did sign an agreement, can they put a charge on my house? HSBC knew about my credit history, knew how much debt I had, and knew what my wage was, so to issue me with a credit card with such a high limit on makes me think that they were irresponsible, and they simply ignored all the things that the checks would have thrown up. I am pleased to be a member of this site, as looking through the theads, the people here are smashing...couldn't ask for more!!

Hi all, Very new to this, but have found it very interesting and would be grateful for a little help. A longish story, but will keep it short. I have a problem with the HSBC bank. I sold my home 6 years ago, and used the equity from the sale to clear off a second morgage which was taken out by my partner to extend his home so myself and my 3 children could live there.. The bank was all to willing to take my money, but when I asked for my name to be added to the title deeds, I was told that this was not important and could be done later. Well it took me 8 months to do this, without the help of the bank..which inturn spoiled our relationship and caused me a lot of worry.. I had no job, as I was talked into giving this up by my partner, who told me he would support me and 3 children, my partner never gave me any money, so I lived on credit cards for quite a while so the debts were mounting up. I approached the bank 2 years ago, (by this time I was working and had a income of 11k) to take out 40k equity release on my property, I had no morgage on it, but my partner did. I explained all about my debts and they agreed a new 'joint' morgage. They did not tell my partner what the money was going to be used for, but I think that they only did this because they did not change the deeds and add me to the morgage in the first place.They said they would pay my debts off with the equity release money, but they did not and left that to me, they also sent me a credit card with a limit of 8k...I couldnt believe it..needless to say, most debts were never paid, and the credit card used. I cannot remember applying for this card, I simply remember it turning up. Now they are going to take me to court, as the debt management company I have employed to help my situation has made them an offer that is unacceptable to them. They are also asking if they can put a charge on my house. Surley they knew I was unable to keep up any payments on a credit card, and I cant believe that they ran any checks on me, or this card would not have been issued, but the bank had all of my credit history, an what a mess it was. As i said, I dont even think I applied for it, and I have asked them for a copy of the signed agreement to put my mind at rest. Is this irresponsible lending...can they take me to court and put a charge on my house? Any help would be gratefully listened to.

Hi there Kennythe celt, Thank you, I did look for the post a thread button but could not find one..lol, but I may have sorted it now.. I will copy and past it straight away. This site is amazing, best thing I have ever come across on the net.. Thanks again

Hi all, I started reading this thred from page 1, and was horrified to find I had another 500 odd pages to read, so I am attempting to cut it short.. The Terminator had an issue going about the cc companies not supplying terms and conditions with new and replacement cards, and making the cc companies in breach of the agreement. Does anyone know the outcome of this, or is the terminator still looking into it.

Most of the credit card agreements are pre-signed pieces of paper, the only real signature on them is usually the customers. A digitially signed loan agreement, such as one you take out over the internet with your bank will not have an ink signature on it, is this a legal document? I took a loan out with the tsb on the internet, and they signed it using my internet password!

Hi all, Very new to this, but have found it very interesting and would be grateful for a little help. A longish story, but will keep it short. I have a problem with the HSBC bank. I sold my home 6 years ago, and used the equity from the sale to clear off a second morgage which was taken out by my partner to extend his home so myself and my 3 children could live there.. The bank was all to willing to take my money, but when I asked for my name to be added to the title deeds, I was told that this was not important and could be done later. Well it took me 8 months to do this, without the help of the bank..which inturn spoiled our relationship and caused me a lot of worry.. I had no job, 3 children and my partner never gave me any money, so I lived on credit cards for quite a while so the debts were mounting up. I approached the bank 2 years ago, (by this time I was working and had a income of 11k) to take out 40k equity release on my property, I had no morgage on it, but my partner did. I explained all about my debts and they agreed a new 'joint' morgage. They did not tell my partner what the money was going to be used for, but I think that they only did this because they did not change the deeds and add me to the morgage in the first place.They said they would pay my debts off with the equity release money, but they did not and left that to me, they also sent me a credit card with a limit of 8k...I couldnt believe it..needless to say, most debts were never paid, and the credit card used. I cannot remember applying for this card, I simply remember it turning up. Now they are going to take me to court, as the debt management company I have employed to help my situation has made them an offer that is unacceptable to them. They are also asking if they can put a charge on my house. Surley they knew I was unable to keep up any payments on a credit card, and I cant believe that they ran any checks on me, or this card would not have been issued, but the bank had all of my credit history, an what a mess it was. As i said, I dont even think I applied for it, and I have asked them for a copy of the signed agreement to put my mind at rest. Is this irresponsible lending...can they take me to court and put a charge on my house? Any help would be gratefully listened to.

Hi all, I need to post a question and cant figure out how to do this, there is no button on my screen only the reply button...can anyone help.. Thanks