hsbc cca

[lolly371]

sorry to be such a nuisance, guys. i really appreciate all the help, and will keep trying to sort it.

[buller]

ok I think that I may have done it.

 

[lolly371]

brilliant! how did you do it? there are four more pages

[buller]

I uploaded it to photobucket and it worked this time. Did you send all of the pages to me as this was all I got.

[lolly371]

no, just the one to see if it worked. i'm in the process of doing the others, so i will send them to you, if thats still okay with you?

[freakyleaky]

Can anyone else actualy read that or is it just me?

[buller]

I will see what I can do.

[buller]

Can't do anything about the quality I'm afraid. sorry

[freakyleaky]

Can you(or anyone else) read a word that is on it?

[lolly371]

sorry, its not the best scanner, and the writing is so small- the flexiloan one might be a bit clearer

[lolly371]

Can anyone else actualy read that or is it just me?

 

shall i summarise it for you?

[buller]

 

 

 

[lolly371]

thanks, buller. so the credit card agreement is impossible to read( the lone one in a previous post, and the last one in the group). the rest seem okay, so i will try to talk you through the credit card one if you like. the rest are 2 pages for my flexi loan and then one page for my personal loan.

[buller]

If just point us to the bits that you are puzzled about, maybe we can help.

[lolly371]

i'm just trying to establish if they enforcable, really. i want to check that all the prescribed terms are in place; for example, the flexi loan is two pages. on the second page, it contains the terms and conditions, but no personal information to directly link it to the first. i dont really know what im looking for, i just need a bit of leeway so i can stop them overdrawing me further each month, and accept a payment plan.

[buller]

I'm sorry for not replying, but unfortunatley I am not the expert on credit agreements. Hopefully someone who is will turn up and have a look. I just thought that I would do a post so that you don't think that you are being ignored.

[lolly371]

thanks anyway buller, you've been a massive help. i have tried for the past week to post the agreements, so i am just glad its done

[freakyleaky]

You are not being ignored Lolly. Us lot are far to nosey to ignore the chance to help out. I am trying to get through them but finding them a bit hard to read at the moment.

[lolly371]

thanks so much all of you. i have a horrible feeling theres nothing i can do, but im not giving up until i have to, and it is great to know that there are so many people willing to help. i have been looking at the personal loan, and just above the signature it says 'This agreement is subject to the terms set out on page 2' but there is no page 2, does that make a difference?

[freakyleaky]

It may well make a difference if you have never had page 2!

Also is the signature genuine? I have heard of some companies scanning sigs fron one doc to another. Of course I am not saying they have done this but I just thought i would let you know. Check every avenue!

[lolly371]

also, the credit card agreement was signed a few days before i received the card. wouldn't this make it an application rather than an agreement?

[freakyleaky]

You have probably signed it once the application was approved. You sign the agreement before they send the card. Thats what should happen!

[lolly371]

the signatures look pretty genuine to be honest, although one of them looks as though it was crossed out

[lolly371]

You have probably signed it once the application was approved. You sign the agreement before they send the card. Thats what should happen!

 

yes i thought that may be the case. i told you i was clutching at straws!!!

[freakyleaky]

Straws are made for clutching! Keep it up, you never know! I am suing you for eye strain! Still reading!