ok, i'll do that. i think i'll wait for a week before I send another one. your help is much appreciated johnnymitch. Thanks !

thx johnnymitch reliable as always ! so should i give them some time after call-up letter thats been send today ? or just send "account in dispute" straight away now ?

letters sent first class recorded now so if they don't comply now, whats the next step ?

i have also add letter about my recent contact with cust service through online banking here it is: I have recently contacted your customer service through online banking regarding my CCA request. Here’s the reply: "Thank you for your e-mail dated 16 August regarding the copy of the original agreement form. If you wish us to provide you with the original copy of the signed Terms and Conditions then please write to the following address: HSBC Bank plc Chartwell House 365 Chartwell Square Southend-on-Sea Essex SS99 2UU However, if it is related with transaction disputes then please mark the envelope as 'For the attention of Transaction Queries'. The External fax number is 01702 363182. I notice your card account is currently being dealt with by our Cardholder Management Team. For further queries, please call them on 08456 077 088 from UK or on (44) 1702 576 826 when calling from abroad. They are open from Mon - Fri 08:30- 21:00 and, Sat 09:00 - 13:00(UK time). They will be able to advise you. Kind regards Supratik Sarkar Customer Service Team HSBC Card Services” -------------------------------------------------------------------------------------------------------------------------------------- I want to inform you that it is for you to contact any department of yours which is responsible, it is for you to provide info I require and failure to comply will result in a report to the Information Commissioner. Regards, so can somebody tell me what is the waiting time now ? thx

letters ready to be sent tomorrow - call-up letter: CCA Call-up letter Re: letter sent on 5/08/2009 (delivered on 6/08/2009) I am disappointed that you have failed to respond to my request for a copy of my Credit Card agreement to which I am entitled under the Consumer Credit Act 1974 (Sections 77−79). A copy of this letter is attached for your convenience. There is also a copy of post office receipt to prove that letter was sent. I have previously enclosed a payment of £1.00 which represents the fee payable under the Consumer Credit Act. I understand a copy of our credit agreement should be supplied within 12 working days. I am sure you also understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. Failure to respond positively will be reported to the Financial Ombudsman Service and the Office of Fair Trading. PLEASE NOTE that unless otherwise stated by yourselves and if the above documents are NOT provided, it will be CONFIRMED that you are unable to reproduce/provide in any way shape or form any copies of the above requested documents. You are reminded that you have a duty to inform me if you do not have the above documents. This is confirmed in High Court Law - Ezsias v Welsh Ministers - [2007] All ER (D) 65 (Dec) Yours faithfully

thx for the links mate already applied for working tax credit but didnt get it they told me to phoned them up again when baby arrives credit card - its in the HSBC section if you want to take a look. im after cca request and its been ignored so im sending call-up letter tomorrow

ive been here for a couple of weeks but forgot to say hi to everybody im 25yo dad-to-be-in-4weeks trying to sort my credit card with HSBC

now im thinking why the hell ive stayed with HSBC for more than 3 years now...after my credit card is sorted, i'll try to take up on these charges i think..

Isnt it a bit strange that they didnt send me anything at all ? Not even a blank form ? What is the waiting time after that call-up letter ? Thx

that was only the credit card statement...should I wait bit more or just send that call-up letter now ? my cca request was delivered on the 6th of August.

thx johnny my wife just phoned me up that some letter from bank came in. i'll see what it is as soon as i finish work...

hi. ive send a message through the online banking. ive included the cca request text in full: Dear Sir/Madam Re: Account Number: ---------------------- This letter is a formal request pursuant to s.78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). I enclose a cheque in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee. I look forward to hearing from you. Yours faithfully i wrote that i will send them the call-up letter soon. they've replied to my message, here's what i got: "Thank you for your e-mail dated 16 August regarding the copy of the original agreement form. If you wish us to provide you with the original copy of the signed Terms and Conditions then please write to the following address: HSBC Bank plc Chartwell House 365 Chartwell Square Southend-on-Sea Essex SS99 2UU However, if it is related with transaction disputes then please mark the envelope as 'For the attention of Transaction Queries'. The External fax number is 01702 363182. I notice your card account is currently being dealt with by our Cardholder Management Team. For further queries, please call them on 08456 077 088 from UK or on (44) 1702 576 826 when calling from abroad. They are open from Mon - Fri 08:30- 21:00 and, Sat 09:00 - 13:00(UK time). They will be able to advise you. Kind regards Supratik Sarkar Customer Service Team HSBC Card Services" what do you think ?

its not been 12 working days yet i'll a couple more days. letter was delivered on the 6th of August and signed by somebody called Griffin. Ive send them a message through online banking that i will send a call-up letter in the next few days. Thx

still no answer from them...

thanks for advice guys im asking because when i checked it on entitledto - i had some benefits there but i had nothing on my local council calculator.

im thinking about trying to claim for it. i work 37.5 hours a week and i get around 220 quid a week after taxes and my wife is on SMP right now as she's 8 months pregnant. we didnt get working tax credits as our earning were too high, but operator said to claim for it again when the baby is born and that's in 4 weeks. do you think i got any chance for any of these benefits ? thanks in advance

thx guys. letter sent today. we'll see what will I get.

does anybody know to who in HSBC and what address am i supposed to send that request ? also that postal order supposed to be payed to what name ? thanks

ok, thanks. i'll do it straight away ! thanks fot the fast answer.

hi guys. im new here and cant understand all those procedures...i think ive read too many... here's the deal: i have a credit card with HSBC (Mastercard). there is about 1250 quid on it with the 1300 limit. im in kind of difficult situation right now because my wife is 8 months pregnant and we're struggling a bit now. so i wanted to check if i can have this debt written off... credit card was taken in July 2006. the other thing is that they have raised my credit limit without agreeing that with me. at first i had 750, but now its 1300... so, will somebody be king enough to explain me how to get that debt written off ? this would mean a lot to me and my wife. Thanks

but isnt it better to pay monthly for one thing only, than paying off couple of different debts ?

what about HSBC credit card (mastercard) ? ive got one since July 2006. theres about 1200 quid on it. are they are likely to produce any papers ? thx in advance