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    • Hi HB,  I have been using it - freedom pass for a long time, this is why i am worried, my memory fails me!  there is no way of checking on the freedom pass usage according my partner.  see my question on your comments: Paragraph 1 a short explanation of why you used the card on the day you were caught worry: as i said i have no excuse other than to save some money  Paragraph 2 you know you made a mistake and you regret it worry: yes i will admit that it is my fault and apologise profusely - will see other template Paragraph 3 you understand how what you did is wrong and the effect it has on TfL worry: yes will do, borrowing words from other template Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again worry: i have an oyster PAYG which i use for my journey in to work -ranging 2-3 days a week;  so i can't say that i will buy a season ticket which is more expensive?? Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this worry: i will do that. QuestIon: will they inform my employer?     
    • So they seem to be deliberately fouling Britain - not 'just negligently Need to be in jail alongside the PO crims, and rabidly corrupt MPs
    • Well, we know it seems that the poops and others just use there MP position mainly to generate funds from their 'outside' lol interests Lets hope labor BAN second jobs for Mps - all second jobs - then create a truly independent expenses 'police' with real powers Tip of the iceberg: "A cohort of Conservative MPs standing down before the next election have netted jobs worth millions of pounds and have taken dozens of all-expenses-paid trips funded by foreign governments and lobbyists, the Observer can reveal." so far - "top of the list was former justice secretary Brandon Lewis, who has taken on five new part-time roles worth £410,000 a year alongside his commitments as an MP.   Outgoing Tory MPs take lucrative second jobs and ‘swan off on jollies’ | Conservatives | The Guardian WWW.THEGUARDIAN.COM Sixty four Tories and four independent MPs who lost party whip plan to stand down from the Commons amid dire polling for Conservatives  
    • The first thing you need to do is for your father to send Argos customer services an email saying he wishes to return the item within the 14 day cooling-off period under the Consumer Rights Act 2015. This is important because he needs simple proof to back up his request, as they are being stubborn. Enclose a copy of receipt details so they can locate the sale, Distant selling regulations will apply as he made the contract online with the retailer and they took the payment. The contract is between your father and ARGOS. He has to cancel the contract and receive a refund back to his debit card. You cannot act on his behalf (Privity) as a third party and they have every right to refuse to deal with you if they so wish. Data Protection the number one issue. How you received the goods is irrelevant. A retailer's terms and conditions cannot derogate statutory obligation.
    • TfL take abuse of staff passes very seriously. If the pass has been confiscated I imagine they will write to them and it could result in the card being suspended for a time, as I understand it. I hope you've told them about the card being confiscated and why? We need to know how many times you used the pass please - how many weeks at 2-3 days a week. Later I would expect TfL to write to you as well, possibly with a schedule of journeys made with the card, to ask you to tell them which journeys were you. They will ask for your side of the story. We can help you to refine a letter to send once they write but you need to start it off because you're the only one who knows the full story. I suggest something like this. Paragraph 1 a short explanation of why you used the card on the day you were caught Paragraph 2 you know you made a mistake and you regret it Paragraph 3 you understand how what you did is wrong and the effect it has on TfL Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this Please don't copy and paste what I've said, use your own words. HB NB This is a suggested reply, don't send it before they write to you because we need to see what they say.
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HSBC CCA info please


azdom
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Hi, Im new to this but Im after some info. I have credit card debt with HSBC and have entered a repayment plan with the consumer credit counselling service (CCCS). My only income is a disability pension which is paid in GB pounds and I live in the US. As the exchange rate has gone against me my spending power has reduced by at least 25% and I'm really stuggling to pay the small amount I pay via CCCS.

 

I took this Credit Card out in 1998 and am interested in finding out if this debt is enforcable.

 

Just to get a feel for this process can anyone tell me if HSBC CCA's from 1998 are normally uneforceable or is this rare.

 

Many Thanks

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Hi Azdom , welcome to the forum :)

 

There are a couple of options here I think :

 

1. You could apply to the CCCS to reduce your payment to an amount you can comfortably afford , citing the exchange rate and credit crunch as the reason for the application .... or

 

2. You can send a CCA request to them to confirm they have a workable agreement to enable them to collect l.e. is it enforceable . Letter 'N' on the link below is the one you want .

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Or of course , you can do both - it wouldn't hurt either way .......:)

 

And by all means come back and ask if you need more help - someone will answer , and we're user-friendly on here ........ :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Thanks jonnymitch for the info.

 

I have already reduce the payment through CCCS to 25 pounds per month and as I have about 15k in debt, I can never pay it off.

 

In your experience, are 1998 CCA's normally unenforceable or is this rare.

 

Thanks again.

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In your experience, are 1998 CCA's normally unenforceable or is this rare.

 

There have been a few azdom - I wouldn't say it's rare .... depends on each individual case really , if you don't ask them to produce , you'll never know :cool:

 

They have 12 + 2 days (maybe a touch more as it's from the States ) to comply , then if they don't the account is 'In Dispute ' and action should be frozen until the dispute is resolved ...

 

Don't forget to send £1 and don't put a normal signature on anything .... vary it slightly so if it 'lnadvertently appears on a document you can identify it .

:rolleyes:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Most of the financial institutions were sloppy in 1998, a mixture of poor staff training and the certain knowledge that they were invincible, no one questioned banks... oh how times change :D check every detail and I'm sure you will find something thats not right :)

 

pete

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OK, So I guess its worth asking for the CCA. If/when I get it can I post it on here and get your opinion?

 

Thanks so much for your help, I feel like Im looking into a big dark uncertain hole!

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You've got support now ,azdom - come back and ask , no problem.......:)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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