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Credit Card Application Form lost


thefenz
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Can anyone help on this?

 

HSBC Are unable to locate my original application form for my credit card ( card was opened with Marks and Spencer but then HSBC bought them out). I made a Data Protection Act and they have confirmed they are unable to locate the original application form

 

Does that mean that they are unable to legally enforce the debt I have accrued on my card?

 

Appreciate any help.

 

Thanks

Thefenz

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Forgot to mention earlier that I have had my card for over 16 years.

 

Can the debt still be enforced if they do not have a copy of the original application form?

 

Thanks

 

TheFenz

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