I have now received two letters from HSBC saying that they need only send a blank CCA out and not the original and saying that this is final what letter should I send them next I am not sure as have sent them the last letter twice saying I want a signed copy of the CCA. Help Please

No Am up to date but I am proceeding with a CCA dispute and wanted to know the full score of what they can and cant do?

Well their are no proceeds in my property it is worth £80,000 and my mortgage is £81,000 so how can anybody take anything. I thought the mortgage company would hold off as I am paying them?

Hi Guys, just a quick one can a secured loan that has agreed a second charge on your house make you sell your house if their is no equity in the property as I remortgaged and with the house prices falling it has left no equity in my property. Would a mortgage company agree to force the sale on the house if the loan company got a court order against me even though I am paying the mortgage company each month?

Any ideas people on what next?

Anyone????

It was taken out in 2005

I requested a CCA from HFC which I have a secured loan with and they have sent me back L letter with when I opened the account, monthly payments, settlement figure, account status and a statement of my account but no terms for the loan and have said "Please note we are currently unable to loacate the Legal Agreement, we will forward it to you as soon as it becomes available." Now how can a financial institution not have all my records neatly tooked away and filed correctly. Now what is my next course of action should I stop paying until the provide my CCA? Should I send another letter saying that this is not adequate?

Thats great Ziggywooo I wouldnt mind parking tickets if they had reasonable fines as the money they lose is only £2 if your taking up a space so why should the fine be £70 or more thats just greed which I hate.

I have asked for a S.A.R from EGG and I am just wondering what do next as the next payment is due and I am not sure about the ppi that was added to the card should I carry on paying the minimum?

ol will do that! Be nice to have some cash in my pocket for Christmas although have budgeted at £20 per person as I am not as stupid with my money anymore and being on a shoe string has brought out my talent for saving money and finding sites like this great one!

What about making payments on my term like £10 a month after sending them a monthly budget plan which will easily show that I cant afford diddle squat after going self employed and people going bankrupt on me?

Right guys next chapter. HSBC have sent a letter back saying that they have compiled everything I asked for but have sent a black CCA saying that Section 78 (1) of the Consumer Credit Act 1974 requires us to privide a copy of the Executed Agreement if any. Regulations 3 (2) of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulation 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 a copy, but need not be a photocopy, of the signed Agreement. They have sent me the terms 6 years ago and then the current terms. The CCA is completely blank with not a shread of my details on it. So what do I do now stop paying my monthly payments or carry on?

Hi Guys thanks for that how strong would the arguement of credit stand up in court? Am going to persue the ppi though and have worked it out would knock a grand off my credit card which I would be more than happy with.

Hopefully it will be very interesting!

Well I might not be able to get them on that but was surprised to see in my statements that I was paying a ppi on the card that I did not know about so have sent a letter off for my S.A.R and when I spoke to them on the phone about this they put me on hold for about 5 min then said I took it out with the card but on the CCA it doesn't show a ppi!

Well will have to wait and see although my signature has slightly changed over the years and I did sign with my new signature!

I sent a request to egg for my CCA and have received a readable CCA but it has my old address on from 4 years ago although they send all the post to my new address is this still legible and is this a proper CCA? CCA attached http://www.qualitaslettings.co.uk/eggcca.jpg The document is readable.

I wrote to HSBC for my CCA on my credit card and they sent the cheque back and a letter saying they would be happy to do this for free but need me to sign the letter so they can verify its me that is writing. I sent the letter back with my signiture on it have I made a mistake?

With private car parks the ticket comes under civil law and they can only enforce the ticket against the driver not the vehicle owner as I understand it.

Yes send the template letter that is on this thread and then claim you cant remember who was driving. As far as film evidence as for a copy and it should be just the front and back of your car which doesnt show the driver therefore you werent driving and cant remember who borrowed your car. It will take a few letters but you will get there.

Hi guys, Just wanted to say after taking all the advice on the thread with the template letters I have got out of a parking invoice with Excel Parking. It will take a few letters guys but after a while they stop coming after you so keep going and don't give in.