Court claim issued by HSBC on a faulty DN & TN

[Amethyst]

Re: Court claim issued by HSBC on a faulty DN & TN

If the terms are very different you could use a copy of your brothers as an example and make a statement of truth yours was the same, although, tbh, then you have a copy of what the original terms were anyway so kinda defeats the object as you'd have to disclose that and then the bank could just copy it out. Same if you disclosed you held a copy of the original agreement.

Think its an issue Paul Walton dealt with with the RBS recons a couple years back (if you look in Paul can you confirm what the situation was) ta x So far as I recall he had the original, the recon was different, but only way to prove it was different was to disclose the original.

[jumper999]

Re: Court claim issued by HSBC on a faulty DN & TN

kinda hard to prove though aint it? might be useful to have a thread posting up typical CCAs for any given year on this forum? or is there one already?

Brilliant idea TDB,

Are you the debt star from Izzie izzard, death or cake? I love that so much,

Back to the topic, I was searching for the terms and conditions that are to do with my agreement in Jan 06, been trying to find it on HSBC website but no luck, will keep looking though.

I can remember some time ago someone posted up a cca agreement of their HSBC cca and it was exactly the same as my OH'S, but the one that I have been sent is not and the copy that HSBC sent to the FOS is so not my agreement that I don't know where to begin.

The copy of my cca that the FOS sent me is an application form, with a different account credit card number, and it has one of my current account numbers mixed with my cc account and the limit of credit stated is £6,500.00, it is so bizarre,

[The Debt Star]

Re: Court claim issued by HSBC on a faulty DN & TN

I started one in VIP a few days back. Legal Beagles Consumer Forum - in VIP so banks can;t see it, but they can just google image search on say HSBC CCA or HSBC LOAN AGREEMENT to find hundreds of the damn things lol so not too worried about that ( eg. hsbc cca - Google Search )

hey! Thats really useful!

[jumper999]

Re: Court claim issued by HSBC on a faulty DN & TN

I started one in VIP a few days back. Legal Beagles Consumer Forum - in VIP so banks can;t see it, but they can just google image search on say HSBC CCA or HSBC LOAN AGREEMENT to find hundreds of the damn things lol so not too worried about that ( eg. hsbc cca - Google Search )

Awesome info ame, would give you press your thanks button a 100 times but can only do it once LOL!

[Amethyst]

Re: Court claim issued by HSBC on a faulty DN & TN

hey! Thats really useful!

I know was kinda hoping some peeps would add agreements to it save me doing all the work

[jumper999]

Re: Court claim issued by HSBC on a faulty DN & TN

If the terms are very different you could use a copy of your brothers as an example and make a statement of truth yours was the same, although, tbh, then you have a copy of what the original terms were anyway so kinda defeats the object as you'd have to disclose that and then the bank could just copy it out. Same if you disclosed you held a copy of the original agreement.

Think its an issue Paul Walton dealt with with the RBS recons a couple years back (if you look in Paul can you confirm what the situation was) ta x So far as I recall he had the original, the recon was different, but only way to prove it was different was to disclose the original.

I see what you mean AME, and whenever we find a way these lenders always find a way, not to worry, just poking around to see what else I can do.

I already know what my fate is.....so guess I am like the prisoner about to be executed and is asked his final wish......I am just trying to get as many wishes come true as I can before I go to the gallows.

Just hope on the day the judge grants me one wish........and I already know what it is.

[Angry Cat]

Re: Court claim issued by HSBC on a faulty DN & TN

Think its an issue Paul Walton dealt with with the RBS recons a couple years back (if you look in Paul can you confirm what the situation was) ta x So far as I recall he had the original, the recon was different, but only way to prove it was different was to disclose the original.

Correct, PW had stored it away in the attic

Many, many of us have done the same...

The banks know that they should not attempt to mislead the consumer re: recons/blue peter's!

[middenmess]

Re: Court claim issued by HSBC on a faulty DN & TN

I started one in VIP a few days back. Legal Beagles Consumer Forum - in VIP so banks can;t see it, but they can just google image search on say HSBC CCA or HSBC LOAN AGREEMENT to find hundreds of the damn things lol so not too worried about that ( eg. hsbc cca - Google Search )

Yes but anyone can join LB.pay their two quid and have a library of paperwork all laid out for them.

The difference between using google would be that all of LB's agreements etc would be neatly labelled with the dates etc. and would be far fewer in quantity and less vague than a random google search so much more accessible.

IMO

OC's and the DCA's have enough help from the courts without LB opening up a reference library for them!

Yes they can probably obtain the info from other sources but only with a great deal of effort and time which in most instances they are not prepared to spend,so let them do their own leg work!

[jumper999]

Re: Court claim issued by HSBC on a faulty DN & TN

Hope no one posts my agreement on there, I'm in enough trouble as it is.

[The Debt Star]

Re: Court claim issued by HSBC on a faulty DN & TN

Brilliant idea TDB,

Are you the debt star from Izzie izzard, death or cake? I love that so much,

Back to the topic, I was searching for the terms and conditions that are to do with my agreement in Jan 06, been trying to find it on HSBC website but no luck, will keep looking though.

I can remember some time ago someone posted up a cca agreement of their HSBC cca and it was exactly the same as my OH'S, but the one that I have been sent is not and the copy that HSBC sent to the FOS is so not my agreement that I don't know where to begin.

The copy of my cca that the FOS sent me is an application form, with a different account credit card number, and it has one of my current account numbers mixed with my cc account and the limit of credit stated is £6,500.00, it is so bizarre,

rofl Jumper. No, but I've just Googled the transcript!
"Hello. Look, I'm Lord Vader and just pay a-bloody-ttention, all right? Luke, Luke, the Force is strong with you."
"Is it?"
"Yeah."
"Well, who told you that?"
"Some bloke! Yeah, he said the Force was really rather strong with you."
"Well, how strong?"
"Uh, as strong as a small pony."
"Oooh, that's quite strong, that is."
------------------------------- merged -------------------------------

I know was kinda hoping some peeps would add agreements to it save me doing all the work

I have an AA one to post up!

That'll be Autombile Association Financial Services "AA", that is

[jumper999]

Re: Court claim issued by HSBC on a faulty DN & TN

TDS, please don't get me started else this whole thread will turn in to a comedy show, and when I get to court the judge asks me have you anything to say in your defence?

CAKE OR DEATH?

i'LL SAY I'LL HAVE THE CAKE YOUR HONOUR AND HSBC CAN HAVE DEATH

then the judge turns around and says

VERY WELL THEN, CAKE FOR YOU AND DEATH FOR HSBC


HA HAH HA!!!!!!!!!!!!!!!!

[The Debt Star]

Re: Court claim issued by HSBC on a faulty DN & TN

Jumper, if only, if only...

[jumper999]

Re: Court claim issued by HSBC on a faulty DN & TN

Jumper, if only, if only...

Maybe worth a go, that is something I will think about when all else fails, for my defence.

[Angry Cat]

Re: Court claim issued by HSBC on a faulty DN & TN

Yes but anyone can join LB.pay their two quid and have a library of paperwork all laid out for them.

The difference between using google would be that all of LB's agreements etc would be neatly labelled with the dates etc. and would be far fewer in quantity and less vague than a random google search so much more accessible.

IMO

OC's and the DCA's have enough help from the courts without LB opening up a reference library for them!

Yes they can probably obtain the info from other sources but only with a great deal of effort and time which in most instances they are not prepared to spend,so let them do their own leg work!

Agree!

[Amethyst]

Re: Court claim issued by HSBC on a faulty DN & TN

Lol, don't worry we keep a good eye on who the VIPs are and if HSBC join, pay their £9, and start picking out anonymous redacted credit agreements to copy, we'd know, and really that's pretty desperate isn't it. The library is to help us lot. I spend sooooooo long on google trying to find T&Cs from a specific agreement or year of agreement ref charges and interest, it should make life a bit easier.

I think there is rather a lot of paranoia about tbh and seems daft not to make our own lives easier on the vague off chance a bank will find the forum, register, pay £9 for VIP and come across the library of agreements. (although now I;ve told everyone its there its minutely more likely lol)