Jump to content


MoneySuperbroke

ME v HSBC Mastercard (CCA)

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3630 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Good evening to you all!

 

I sadly fell behind on my HSBC mastercard on which I owe almost £4000. I was close to either a payday loan or a cash advance on the card but common sense took over and I sent a CCA request.

 

I waited 14 days and sent the second template letter.

 

Today I recieve a responce, not sure if it was relating to my first or second letter.

 

The reply seems simlar to many others on here. It includes a blank agreement for midland bank with a hand written (not my writing) old address written on it.

 

In addition to this I recieve a letter explaining that they can send this and comply with CCA. They also send acopy of old and new t & cs.

 

The strange thing is they also send a statement of account that included my last statement, and both calulation of arrears and notice of default calculated in $ (I think usd)?

 

I will scan all items tommorow to show if this will help anyone understand, but Im not sure what to do. I think I can send a letter to say this is not full CCA or do I wait 30 days and send third letter?

 

Also do I send letter for DPA request with £10?

 

Thanks all for help and support.

Share this post


Link to post
Share on other sites
Good evening to you all!

 

|Good evening MSB :)

 

I sadly fell behind on my HSBC mastercard on which I owe almost £4000. I was close to either a payday loan or a cash advance on the card but common sense took over and I sent a CCA request.

 

I waited 14 days and sent the second template letter.

 

Today I recieve a responce, not sure if it was relating to my first or second letter.

 

The reply seems simlar to many others on here. It includes a blank agreement for midland bank with a hand written (not my writing) old address written on it.

 

It doesn't really matter which letter they're replying to, this reponse is not within the time scale of the first letter and is inadequate as regards content . A blank agreement of what you 'might have signed ' is not acceptable ...

 

In addition to this I recieve a letter explaining that they can send this and comply with CCA. They also send acopy of old and new t & cs.

 

The strange thing is they also send a statement of account that included my last statement, and both calulation of arrears and notice of default calculated in $ (I think usd)?

 

This is strange , unless you were operating out of the steerling area for part of the time ? Otherwise I can't see how they've got your statement in dollars ...are you sure it's yours , not someone of the same name ?... :rolleyes:

 

I will scan all items tommorow to show if this will help anyone understand, but Im not sure what to do. I think I can send a letter to say this is not full CCA or do I wait 30 days and send third letter?

 

When you scan and post make sure all the detail which can identify you is obscured , MSB.

 

Also do I send letter for DPA request with £10?

Only send a SAR (for £10) if you want everything they've got on you ( which might not be a bad idea.... :)) but they've got 40 days to comply with that and have been known to time-waste even then.....

 

Thanks all for help and support.

 

Meanwhile , if you want to send a CCA callup letter try this link for one which you can tailor to your case .

 

finding faulty cca agreements after a ccj?? - The Consumer Forums

 

and of course if you want more help just come back and ask .... :)


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

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...