This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

anyone???

thank you tink, on looking at it, that makes perfect sense! i did originally think it needed to be more relevent to each individual app, but form what you and others on mse have said this doesn't seem to be the case! like i say im new to cca's so its a steep learning curve!

no the dint send the default notice think hsbc did though a ages ago. like i say i am not very up with cca's but i thought the pescribed terms had to include: B Repayments A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following:- (a) Number of repayments; (b) Amount of repayments; © Frequency and timing of repayments; (d) Dates of repayments; (e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable. D Credit limit This may be a term or the manner in which it will be determined or that there is no credit limit. ??any more help that will be great!

any help would be greatly appreciated!

sorry just realised it wont let me post images til i have had 5 or more posts!

hi i sent off a cca request to drydens solicitors ( they are working on behalf of egg) for our creditcard that they have put a ccj on and have now gone for a charging order! they have sent me out the details but i am not sure whether they are a correct cca? they dont seem to include the following: B Repayments A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following:- (a) Number of repayments; (b) Amount of repayments; © Frequency and timing of repayments; (d) Dates of repayments; (e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable. D Credit limit This may be a term or the manner in which it will be determined or that there is no credit limit. i am quite new to the cca thing so i dont know if these are required or not on a online application? i am really just clutching at straws for some glimer of hope that drydens/egg have messed up as they have been truely terrible to deal with (but thats a whole other story!)

bumpety bump!!

hi everyone, i firstly hope i have posted this in the correct place, this is my first post so sorry if i haven't! i am hoping someone can help me out with a little problem i have: i have just opened the mail (yes it comes at lunchtime here!) and had 2 separte letters from the court. 1) saying theyhave cancelled our redetermination hearing for next week. 2) Stating they are placing a charging order on our home court hearing the 16th sept 2008. bit of background info for those who dont know! i have several debts 4 infact with egg, 2xloans and 2xcards, one set in my name and one set in hubbys. Also have a handful of much smaller debts with other companies which we are rapidly clearing! one cc debt with egg ( not the biggest debt we have with them-i might add!)was passed to their solicitors drydens and they have been awful ever since ignored us completly and demanded a payment of £1000 pcm ( i think) or they would go for a ccj! obviously we couldnt afford that so ccj was issued. they once again ignored our soa and other debts and went for £4?? a month which we than asked for a redermination as we couldn't pay that amount. Redermination was booked for next week. in the mean time asked for a cca which both egg and drydens have provided( so no luck there!) i have spoke to cccs and they said there is nothing i can do but defend it if i wish (on the grounds its my hubbys debt and house is in both names so not fair on me!). i thought they couldnt do this i thought i had to default on the ccj to get a charging order?

ok im new and im looking for some help from you all!i have major issues with hsbc my story is this...... my hubby is settingup his own business so money has been tight we kept going over our od in dec and jan and i kept the bank informed with our situation.it wasnt til i demanded to speak to the manager they arranged a extended od for the next little while.however we have been charged between £50 and £100 each month since dec. anyway sorry i am rambeling!! no sooner had i sorted this i had to cancel one dd on the account and the muppet from tele banking canc the lot!didnt know this til i got letters from my companies saying dd had been returned!hsbc telebanking manager called and said it was a bank error gave me £30 for inconveience and told me to take any charges i got form companys into my local bank and they would pay them.so started taking them in etc then 2 weeks ago mangager of branch called to say they needed to listen to the tape to check if it was a bank error before they could pay charges i went nuts and said im sure this was all sorted weeks ago as had a call from telebanking and refund etc from then so why on earth did they need to go over this all again?my bank manager didnt say why just that she needed to 9was v unprofessional on phone and kept giggling!!!)anyway she said she would get back to me asap that was at least two weeks ago and still nothing!i have had to pay dd manually and charges incured by the muppet so we have gone over our overdraft againand now the bloody bank has charged us for going over it even though i had to as they still havent paid the charges we have occured from muppet canc our direct debits!!!agghhhhh!!!what can i do??please someone help me!!!