Help with HSBC

[Molokoo]

I requested a copy of my CCA for a credit card i opened in 2000 with HSBC,the card is still being used.

 

There reply was :

 

 

I refer to your request for a copy of your signed account.

Due to the time elapsed since your account was opened in 2000,we are unable to provide a copy of the signed agreement.Therefore is enclosed a copy of the terms and conditions at the time of your credit card application.

 

 

As the account is still being used do they need to provide a copy ?

 

Thanks for any help

[mike77]

Hi Moloko, It is my understanding that whilst the account is still open then they must be able to provide the signed agreement. Im not too familiar with credit card accounts but im sure someone else will be along shortly to guide you!

[Castlebest]

If the account is still in use they should have the terms and conditions governing it. If they don't then the account is actually unenforceable.

 

pete

[johnnymitch]

If the account is still in use they should have the terms and conditions governing it. If they don't then the account is actually unenforceable.

 

pete

 

Hi pete, I think he said they enclosed a copy of the T&Cs -but surely they should also have a signed agreement to make the account enforceable ?

[Castlebest]

Exactly they have said they don't have one so its unenforceable

 

pete

[johnnymitch]

Agreed!

[Molokoo]

Thanks for the responses.

 

Will send them a letter and see what they say.