HSBC CCA is it valid? Help Please

[devaj]

Hi

 

I have been following this site for a while but have not been inclined to try and help my situation until recently.

 

We have been on a DMP with the CCCS for about 5 years now after we found ourselves in financial difficulties following my wifes redundancy.

 

I had an overdraft credit card and loan with HSBC which they amalgamated into one Debt at some point. I requested a CCA from them and want to know if its legitimate.

 

The CCCs payment is going to a company called CL Finance. I dont know if they now own the debt or are simply just managing it. It appears on my credit file as a default to CL Finance if this is indicative in any way.

 

I have contacted HSBC about the PPI which is included in the default amount but am yet to get a response.

 

Any advice would be greatly appreciated.

 

Regards

 

J

hsbccca.doc

Edited April 28, 2010 by devaj

[Hardupnotfedup]

Cannot read too small and blurred, try photo bucket or tiny pics.

This could be interesting that they have amalgamated all the alleged debts and sent 1 cca

[devaj]

I have just added it as a word doc if thats any better? :-|

[babybear39]

They've been VERY naughty by lumping all the accounts together. How are they going to explain the 3 separate T & Cs

[Hardupnotfedup]

Too small you also need to remove personal details amounts Etc.

[devaj]

Re Scanned with details removed. Thanks

[Craigbadger]

Ppi on there aswell.

[Hardupnotfedup]

No box to cancel agreement

[devaj]

No box to cancel agreement

 

So could that be classed as something to undermine the agreement. Ideally I would like to come to an F&F agreement as we have been offered help by family.

[devaj]

How long should I wait for a response to my PPI letter?

[cerberusalert]

So could that be classed as something to undermine the agreement. Ideally I would like to come to an F&F agreement as we have been offered help by family.

 

It depends on whether you signed the agreement at home or 'on premises'. If at home one of the prescribed terms which must be present is the 'right to cancel'.

[devaj]

Hi

 

I just noticed that on the cca it refers to the terms set out on page 2. Page 2 was never provided. Should both pages be sent as compliance to a CCA request?

[babybear39]

Of course

[devaj]

Hi I would really appreciate any help with this. I had forgotten all about it. But heard there had been some changes making it more likely to get a refund. I had left it where I had received the CCA agreement in post one. shoud i request a new CCA from hsbc or will I be able to proceed using this one. Any advise would be greatly received.

 

Thanks

[dx100uk]

In terms of what?

 

If cccs. A4 paying for you are being had

The debt was sold years ago by the looks of thinks

 

If you mean the PPI

You don't need the CCA at all to reclaim PPI..

 

Dx

[devaj]

Hi yes. Ideally i would like to get the ppi Back/ written off against the debt. I still insist that had it not been for the ppi policy bumping up the payment amount we would have been able to afford the loan and not defaulted.

[dx100uk]

have you all the statements?

 

 

dx

[devaj]

No. no statements not even sure on account numbers as I mentioned they amalgamated my CC with my overdraft and loan. I know the a/c number of the original account.

[dx100uk]

I think its time for an sar to HSBC

these managed loans were dodgy to say the least.

 

 

shame you've been paying all these years.

 

 

you should have stopped when the CCA request failed

 

 

dx

[devaj]

So whats the process. Send the SAR request then wait. then take it from there...

[dx100uk]

that would be my advise yes.

 

 

dx