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  1. they said they have now complied, which now means they can continue to pursue for payment. in one way it made me pee myself laughing at the length of time it took them to provide the agreement lol... on the other hand i was so angry they didnt apologise or anything, like they have done nothing wrong - they are DC's... what was a really expecting
  2. The prescribed terms specified in Sch 6 are as follows: * amount of credit – see Q8. --- no * credit limit – see Q8.5 ---no * repayments – see Q8.9. ---no * rate of interest – see Q8.6 ---no there we go lol .... that little box basicaly goes over right to cancel, saying u have read the T&C, how we use your information, and your right to see the information held.
  3. wow you know your stuff with HSBC then!!! ill definately let you know if and when i hear anything back. maybe i should include in letter that a copy has been saved of all lettrs etc to be sent to FOS if they dont reply properly?
  4. ok thats great, thank you. ill write a letter of complaint and send into head office of HSBC? oh, should i continue the £1 payments? i cant beleive they get away with just not replying to letters!! im sure if we ignored letters from them it wouldnt be accepted!!
  5. brilliant, thanks so much for that - is there maybe a letter in library do you know that might help with my reply to them? or just basically let them know the above?
  6. sorry i feel like a right pain in the ass - but i dont have a lead for my camera to put pics onto the computer, something i have been meaning to deal with for a while but not got round to it... apologies
  7. hi scarlet, thanks for the reply - i have written to MCS disputing the amount and they said they wont stop action.... should i ignore this and tell them they must? what hapened in the end with HSBC... did they answer your dispute?
  8. hey thanks for the replies - i dont have a scanner, but i can give u details of everything on it? personal details - name, sex, DOB, nationality, password. anual income. phone number previous address, time at present address. bank account number and sort code. small box at bottom - it DOES say Credit agreement regulated by the CCA 1974, but only 4 lines of legal stuff then a signature. no signature from the company. there is an authorised signature box, but its empty. thats it :s
  9. Urgh, i seem to be having a nightmare with these guys. They are collecting for a managed loan with HSBC Bank. i am disputing the amount - as the loan was for £3000 and i have paid £2,982. they claim i owe £2,600. thats with no charges for moving the account to DC or anything. £1000 of that was charges, which i have since had returned.... but i am disputing it on the grounds that had those charges not been applied, the interst on the loan would have been much lower over the 5 yrs since i took it out. I have written to the DC on 3 seperate occasions with the whole situation, payments made etc. Each time they said they would pass onto HSBC for them to deal with. in the meantime im paying £1pm until its sorted. This has been going on since JUNE this year. Anyway the last time i spoke to them, last week, they said HSBC have only said to them to carry on collections, and no one is planning on answering me. I was hoping that maybe someone on here could advise me the best thing to do? I thought send a copy of my letter and a letter of complaint to HSBC maybe copied to the DC? is there maybe a higher up person i could address it to or anything? Any help GREATLY appretiated, feel like im banging my head against a brick wall!!!!
  10. Hi there i wondered if someone would mind helping me? a year ago i came on this site at least once a day and cant even come close to putting a value on the help received. In December 2006 i sent a CCA request to Cabot with regards to a store card. no reply. Until the post came YESTERDAY with a photocopy of an application form. I need to double check actual dates, but their deadline ran out mid January, LAST YEAR. Could anyone advise me of the next thing to do please? Sooooo confused!!! Thank you
  11. hiya, just need a hand with some wording of a letter if ok? its to reliable collections, who havnt provided a credit agreement since being asked in dec. they have admitted there is none and its unenforceable, but are saying they can keep my data, and now have had a letter telling me the debts being sold. i know thy are in the wrong, but could someone help me sound a bit more professional than 'dear RC, **** off' thanks!!
  12. LOL ok ty guys, ill leave it for now
  13. hiya all. i was wondering if someone could help me out with a reply i need to send to cabot? I sent a CCA to Barclaycard in December and have as yet not received a credit agreement. obviously i know this has long since created a default for them and since an offence, but nevertheless they have this month sent the account to cabot. So, i sent a CCA with £1 to cabot over a week ago, and as a reply i have been sent a letter saying as they are not the creditor, they do not need to comply with a cca, but they have asked teh OC for a copy which might take some time as it may be archived. i know from previous help on this wonderful site that they are fobbing me off and they DO have to comply, but could someone please help me with the wording of the reply to send? my mind went blank after 'yes you do, time limits still apply'. lol any help much appretiated, thank you!!!!
  14. clydesdale do a readycash account, no credit checks, direct debits and standing orders are accepted, and you get a maestro card managed loans - omg. stay away at all costs!!
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