CCA Request - HSBC Managed loan

[tobster1977]

Hi all.

 

I am about to send a letter requesting my original true credit agreement from HSBC regarding my managed loan.

 

As this was not set up by my branch do I need to write to the collections team?

 

I want to make sure that the letter goes to the right department to ensure the 12 + 2 days.

 

In all other cases, do I just write to the head office?

 

Thanks in advance for any advice.

[maroondevo52]

Hi, tobster.

 

Here's the contact details..........

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/74985-hsbc-contact-information.html

 

Regards.

 

Scott.

[tobster1977]

Thanks Scott.

 

I found those but there are two that seem to be similar.

 

UK Data Protection Compliance

HSBC Bank plc

Griffin House

4-01, 41 Silver Street Head

Sheffield

S1 3GG

 

or

 

Data Protection Act

 

HSBC Bank Plc

Service Quality Team

Arlington Business Centre

Millshaw Park Lane

Leeds

LS11 0PP

 

Help!!!

[maroondevo52]

Hi,

 

Sorry, I'm not sure what one to go with. the HSBC bods are not on-line at the moment, I'm sure one of them will know.

 

You could try having a sketch at some managed loan threads in this Forum, might throw the correct address up

 

Regards.

 

Scott.

[tobster1977]

Ok cool.

 

Thanks Scott.

 

Were your successes related to unenforcable agreements?

 

I have one of the many companies offering to look at my agreement if and when HSBC send it through but I see from here many people deal with it alone.

 

I'm sure once I have had a response from them someone on here will advise my next steps.

 

I'm a little nervous about starting the process myself but readin about all the successes I surely have nothing to lose by trying?

 

Tobster

[maroondevo52]

Were your successes related to unenforcable agreements?

 

 

No, all my claims were Bank Charges and Credit Charges claims, all were paid out once my court papers were served on the Banks

 

Once you get your reply, post it up on this thread and people will have a look and tell you if it's enforceable or not.

 

Why pay someone to help you when you'll get all the help here for free.

 

And your right, there have been a lot of successes, it's well worth your trouble.

 

Regards.

 

Scott.

[tobster1977]

I certainly will..

 

Thanks again..

 

Tobster:D

[tobster1977]

On Tuesday this week I received a letter from HSBC (almost a week before deadline) stating that their department only deals with data protection requests. They have therefore forwarded my CCA request to the following address that might prove to be useful to others in future.

 

Section 77 Team

HSBC Bank PLC

120 Redcliffe Quay

Redcliffe Street

Bristol

BS1 6HU

 

As this letter was sent to the wrong team to begin with, do they still have 12 days to respond from the date the letter was received by the first team or should I now extend it to 12 days from the Tuesday, the date I received this notification?

 

They have also helpfully forwarded my letter to their charges resolution team. This must mean they are used to this process and are pre-empting the next steps.

 

Tobster

[maroondevo52]

Hi Tobster.

 

HSBC received your request, how are you supposed to know which 'team' deals with it, stick to your origional timescale.

 

Regards.

 

Scott.

[Castlebest]

I agree with Scott, you are dealing with one company, they would have said the same thing if you had sent it or taken it to your branch which is their office you deal with.

 

The next delaying tactic they will use is to ask for proof you are who you say you are... yet they send letters and statements. all confidential, to your address without a second thought

 

as Scott says your time limits start from the date of your original request.

 

pete

[tobster1977]

Excellent.. I shall await the deadline and see where we go from there...

 

Thanks guys

 

Tobster

[tobster1977]

Hi All.

 

Today was deadline day. HSBC received my CCA request on 15th April. As per my previous post, they did respond to me on April 21st telling me that they would pass my request onto the Section 77 team and also to the charges resloution team.

 

Twelfth working day was last Friday. I have accounted for the bank holiday and nothing was in today's post.

 

I gather HSBC have therefore technically broken the term of the CCA? (and the law?)

 

Where do I go from now. Do I send a notice of failure to comply with CCA request and give them further duration of time to rectify the problem or do I proceed with something different?

 

Tobster.

[maroondevo52]

Hi, Tobster.

 

You can now send the 'Dispute' letter................

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.html

 

Recorded and don't sign it.

 

Regards.

 

Scott.

[tobster1977]

Many thanks.. Am on it!!

 

I must admit I forgot about the plus 2 days so I gues I should really wait til Friday and send then.

 

Cheers Scott

 

Toby

[tobster1977]

Dear all.

 

After a short delay before sending my dispute letter, HSBC came up with the goods and produced my Loan Agreement, albeit almost a fortnight beyond deadline.

 

I have included my scanned agreement minus my personal details and signature if anyone can be kind enough to take a look.

 

The two main issues that I feel most aggrieved about is;

 

1) despite the 'right to cancel' statement I was told that this was the only option for me and that no other alternative would be available, which was confirmed in a telephone call earlier this year.

 

2) At no point did anyone explain the charges and interest (compound) implications to me so essentially they had me over a barrel from day one charging me what they like leaving me with no alternative but to take whatever they chose to dish out. On average from a payment of £255 per month, interest amounted to £196.

 

Is there any light at the end of this tunnel??

 

Tobster

Edited June 17, 2009 by tobster1977

[tobster1977]

Ok slight issue.

 

I have tried to upload the canned images but they don't upload large enough to be seen and I also tried to upload a word doc including the scanned argeement but it doesn't like that also. any suggestions??

[johnnymitch]

Try putting the images on photobucket then:

1. Find the image to which you want to link.
   
2. Locate the IMG code below the thumbnail image.
   

Note:

The checkbox may only display if you move your mouse over the media. See

How do I control the linking codes that display in my album

for details.

1. Click in the IMG code field. If one-click copy is active, the yellow "Copied" box displays when you click. If the yellow "Copied" box does not display, manually copy the code.
   
2. Paste the code into your forum posting.