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HSBC Overdraft & Credit Card Defaults advice on going to court


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Hi Everyone,

I was hoping for some advice i have asked the question before about Default on Bank Accounts and if anyone has had any success in getting them removed, Over the last year I spent most of my time writing letters to HSBC in order to see what paperwork they have I have sent CCA requests for Agreements, and asked for the Default notices etc, I have also done SAR requests.

None ever produce was default notices or agreements for the bank account or the credit card.

I have even sent a letter to Chairman of HSBC Stephen Green asking for this and requested they stop processing my data as they have no signature i.e my consent, i got a blunt letter back saying, the default notices are produced automatically and they dont have to supply this.

and they they a copy of the terms and conditions, and quoted WE HAVE NOW FORFILLED OUR OBLIGATIONS UNDER THE CCA 1974.

they also said please find enclosed a copy of the agreement the one in which you would have signed for....but did not produce a true signed copy, this letter was sent in February it on my part was a last attempt to get any answers from them.

they also said WE AWAIT YOUR COURT INSTRUCTIONS...this was because i sent the letter saying before action.

I have two bank accounts with them and a credit card agreement..


I want to know how i proceed with this can i take them to court to remove the defaults and supply the documents...

I would really like some advice from the senior CAGGERS in order to get this sorted out.

In my favour I do fortunately have the original default sent to me for the credit card debt, this is defective, does not allow 14 days clear service, do you think this is the reason why there not producing a copy?


please help


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