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ju5t

HSBC CC options? cancell possible?

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Hi,

 

I had a CC from HSBC which i took out a little over a year ago.

 

Since then i have used it to its limit some £4000 and due to loosing my job i missed 3 payments on this. Now HSBC have cancelled the credit card and now it appears i pay more interest on a credit card i cannot use. THIS SEEMS VERY WRONG TO ME

 

Thing is i cant even rember signing an agreement let alone having a copy myself.

 

and Now they have removed the DD feature on my current account too.

 

This all seems a bit unfare as its the first payments i have ever missed they knew the reasons for it and they just seem to be screwing me as much as they can.

What can i do about it all??(any suggestions welcomed)

 

how much does it cost to get a copy of the agreement and how long do i give them to send it?

 

thanks in advance

 

Ju5t

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Hiya ju5t and welcome to the HSBC forum :) unfair or not the bank are playing all of their customers for every penny they have and don't give a damn about those customers. I suspect your not alone by a long shot but you are lucky because you have found the CAG and we can help you :).

 

you have two options with getting a copy of your credit agreement, the first is a Consumer Credit Act section 78 request letter at the cost of one pound. This will get you "a true copy" of your agreement within 12+2 days unless they ignore you :rolleyes:, this will probably consist of the up to date terms and conditions with your name typed at the top :rolleyes:.

 

The second option is a full Data Protection Act SAR which I favor, this will get you everything the bank have that has anything to do with you for any account but does cost £10 and they have 40 days to comply.

 

hope that helps

 

pete

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