That will be great. Thank you

Ive found this. Is this the right one? Address Date Dear Sir/Madam I refer to your letter dated (date) in which you confirm that you are unable to comply with my formal request pursuant to s.78(1) of the Consumer Credit Act 1974. However, despite being in default of my request, you have continued to make unlawful demands for payment contrary to s.78(6) of the CCA 1974 and the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). I note that the Credit Services Association, in the first paragraph of its Code, state that members must act lawfully at all times. Furthermore, under the CPUTR 2008 failing to comply with a code of conduct to which you have subscribed is unfair trading. In the circumstances, I will not enter into further correspondence with you, and any further unlawful demands or contact will be viewed as harassment and reported to the appropriate enforcement agency. Finally, as you have failed to comply with my request, I require you to return the £1.00 fee without delay. Yours faithfully.

Hi, Thanks for posting that. This is the letter i sent them and below is what they replied to me: would like to clarify that the absence of any loan agreement does not render the contractual relationship between HSBC and yourself as unenforacble. You have had the benefit of monies withdrawn under the credit agreement and these remain lawfully due and owing to HSBC bank Plc. HSBC will exercise its right and proceed to recovery of the same and will contact credit references agecnies, as it is entitled to do so. Anyone know what i can say back or have a template? Thanks for your help:)

Thanks Diamond Girl. Anyone have the account in dispute letter? Cheers

Hi, Got a reply today from HSBC in response to my letter telling them the loan in unenforceable due to not having a CCA. This is there response: I would like to clarify that the absence of any loan agreement does not render the contractual relationship between HSBC and yourself as unenforacble. You have had the benefit of monies withdrawn under the credit agreement and these remain lawfully due and owing to HSBC bank Plc. HSBC will exercise its right and proceed to recovery of the same and will contact credit references agecnies, as it is entitled to do so. * So are they right? or is this rubbish? If so does anyone have a template letter i can send them? Thanks everyone Gary

Hi, I have recently got a response from HSBC saying they are unable to find my CCA for a £3000 Loan. So today i sent the 'account is default' Letter but have looked further into this and i got my loan after april 2007. Does this change anything? e.g As they dont have my cca does that still mean the debt is unenforacble or not? :confused:

OK, Thank you. I will accept this

Anyone? Just want to know where i stand with this really?

Hi Everyone, I recently complained to HSBC about my Loan protection and asked them to pay me back in full the amount owed (£100.50). I got a letter back today offering me back the full amount but only to be paid on top of my debt. I was hoping to have the money paid back to me rather than just on top of my debt with them, which i already have repayments in place for. They mention at the end of the letter if i am unhappy with this decision i can make a complaint to the ombudmans. Am i entitled to have the money given back to me, which means il have to write to the ombudsman or shall i just accept what they have offered? Thanks in advance for your replies Gary

Hi Everyone, I have been forwarded a letter from my old flatmate which is a letter from a bailiff saying he is going to call at that address. Since recieving this i have informed them i no longer live there ( they keep trying to get my new address) The fine has also now gone upto 460 Pounds. I have notified them that the bailiffs letters have been going to my old address and have sent an email that they said they will pass on to TFL.I have also asked to pay in installments but again they just replied tell su your new address and we will arrange a plan. Im scared of writing letters really as i dont want them knowing my new address as i really dont have that money. Any advice would be apprecieted THanks

Hi thanks for replying. Its CCS

Hi Everyone, I have been forwarded a letter from my old flatmate which is a letter from a bailiff saying he is going to call at that address. Since recieving this i have informed them i no longer live there ( they keep trying to get my new address) The fine has also now gone upto 460 Pounds. I have notified them that the bailiffs letters have been going to my old address and have sent an email that they said they will pass on to TFL.I have also asked to pay in installments but again they just replied tell su your new address and we will arrange a plan. Im scared of writing letters really as i dont want them knowing my new address as i really dont have that money. Any advice would be apprecieted THanks