silverfox, I sent off Subject Access Requests for five accounts yesterday. The plan of action is to get all credit card and bank charges out of the way first. Then see what I can do on the unforceable agreement front. I might see if I can negotiate down some of the debt. All my agreements were taken out before April 2004. I'm going to need a lot of help. One step at a time I guess.

Thanks in advance

The FOS are a waste of space. Just my opinion.

Sent off 5 Subject Access Requests yesterday. 3 envolpes which all weighed the same, same size. The lady at the counter, first letter went threw her measuring device, but she pretended she couldn't get the other two letters threw. But by magic I told her to push harder. She wanted to charge me more for recoreded delivery.

Apparently one of their policies is that the Armed Forces should be allowed to keep their guns when they leave the Armed Forces. Now that is a stupid policy. The bottom line is that all personkind originated from the continent of Africa.

This is excellent. I'd keep a record of what happened when and who said what. Employment terms and conditions : Directgov - Employment

Should read personnel director / human resources

adiec, I'm no expert, but what you could do is send a letter to the Personal Director stating how your suspension occured, what drove you to say what you said and that you feel you have been treated unfairly. If you've been there over a year I think you could take the matter to an employment tribunal. Any letters you send make sure you send it recorded delivery, make sure you keep a copy. Someone might mention Construct Dismissal , I think you want carry on working there, thats really not an option. You should really work through a grievance procedure, but if you've got a copy of the company manual. There should be a bit that says you can by pass management if you haven't got any faith in them.

wino, many thanks.

I'm going to send it to: HSBC Bank Plc Service Quality Team Arlington Business Centre Millshaw Park Lane Leeds LS11 0PP Thats one of the addresses on the contact information list, I'm sure they'll pass it on.

Unfortunately though he was handed over to another team of doctors so we are not in contact with that doctor anymore.... All you need to do is contact the Doctors secretary at the Hospital, he has been seeing your Husband so he can write reports, whatever is needed.

Nowayjose, I know what your husband is going through. I have a friend who has UC. I think the best thing might be to approach CAB also speak to your Doctor. I would also speak to the consultant your husband see's at the hospital. All the stress will not help your husbands condition.

Thanks whizz, a poor effort on my part to help

I'm going for the bank and credit card charges first. I intend to send them the Subject Access Request to get hold of statement.

Does anyone know the latest address to send a Subject Access Request for HSBC? Thanks in advance

How to contact us

Going for bank and credit card charges first.

Should I send out the bank charges request first, before sending out the CCA s78? or doesn't it matter?

I did spend a few minutes thinking for a word to replace fraud and I haven't sent any documention to any companies as yet. It's just my thoughts.

If I asked every Bank, Credit Company, loan company in the land for every CCA application they have produced in the last 30 years. That would be very telling indeed. You might see a pattern of years of embracing the CCA 1974, followed by years when the cca 1974 hasn't been embraced, probably down to commercial reasons.

They've had 30 years to get it right, they've done it on hundreds of thousands of agreements, the scale of it gets you thinking.

If certain terms have been omitted form CCA's then why is it just unenforcable? why isn't it a fraudulant document? If I printed off a £50 note and presented it to a bank for a transaction that would be fraud, is it not the same case with these CCA's printed off by the banks, credit card companies and others. The CCA 1974 has been around for over 30 years. The banks, credit card companies and others have had many years to get it right, yet they continue to hoodwink consumers, thus disadvantaging them. The Act is there to protect 'consumers'.

They did the opposite for me, they created accounts. The first time I was told I'd get a better rate of insterest. I expected that transaction to go on my existing account, but instead they created a new account. The second time I wrote a credit card cheque, I had plenty of credit left on my existing account, but instead they created a new account. I didn't know about. Unenforceable accounts, they actually sent me copies of my agreements. Looking at them and the sticky they look unenforcable.

All my credit cards were obatained before April 2007. So I think I'll start by trying to obtain copies of my CCA.

Can I go ahead and ask Barclaycard for a copy of my signed CCA?