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samcook1703

HSBC CCA received what next?

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Sent to HSBC Card Services

Standard post.

 

 

Ah.. so they can simply say they didnt receive it.. I doubt using their own statement.. "not returned so must have been delivered" mantra against them !!


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The only letter i didnt send recorded. As i didnt send it my partner did. Doh

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Putting that argument aside. What do you think my chances are?

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Something else I have noticed. On the default template it states VISA number - my account was a HSBC Mastercard, would this affect anything?

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Yes! It’s clearly the wrong template, as that is not a variable field. Whoops.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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I have PM'd you DonkeyB any chance of you proofing before I send it last post?

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sam

 

Does the documentation now attached to the WS match the .pdf of the CCA you posted in April 2008. If so, I can't see the paragraph numbers and can't see the interest and repayment terms. Also if an interest rate is on the papers attached to the WS check that it is the same as the interst rate shown on your credit card statements. In my HSBC case, they took ages to ask for the stay to be lifted and then went to an SJ. In all they sent in three versions of the unsigned CCA but like yours it quoted a VISA agreement for a Matercard and had three different rates of interest. I pointed out the errors but DGs just ignored me and didn't withdaw until their barrister tried to put together the papers for a full trial. He realised they didn't have a case and backed down paying my costs.

 

Best of luck for tomorrow.


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Something else I have noticed. On the default template it states VISA number - my account was a HSBC Mastercard, would this affect anything?

 

Yes, it does make a difference. They will try to say there is no difference in which case why call them by different names ? The fact is that one, I think the MasterCard was accepted in more places, so there was a difference.


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks Doc

 

They have only included -2 pdf on post #3 in there pack

No mention of APR on anything other than statements

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CB I have PM'd you

 

Replied :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Nowt in the inbox?

Edited by samcook1703

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Morning to our 2 guests.

 

Good Luck today Sam

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I dont know what happened to that, sam ??


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ok, so why has it been adjourned - do you need to do anything further - is there to be negotiation - mediation ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I couldnt make it in person. Rescheduled for tomorrow

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I would not want to judge the documents shown,

5 out of 7 pages, it would appear to be a recon,

but is largely unreadable.


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Am I right in thinking that if no default notice is provided. Just a template for a completely different account (one which I do not hold). Then judgement should not be entered due to not being able to show that a valid d.notice was served?

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Certainly, a valid DN should be provided if you have requested sight of it.

 

If they fail to provide a copy of the relevant DN, then that should certainly work in your favour. Whether that is enough to persuade a judge to find in your favour is another matter and it is down to you to refer to the relevant legislation and case law to back up your case.

 

:-)


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