Court claim issued by HSBC on a faulty DN & TN

[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.

[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!

[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!

[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.

[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

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!

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

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,

[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.

[Angry Cat]

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

The DCA's would then have something to copy from!!!

Yes, defeat the object...

[Amethyst]

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

The DCA's would then have something to copy from!!!

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 )

[jumper999]

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

Thanks pt, I was just having a smile reading some of your comments over on the CAG forum, well done for you.

Anyway sad news is that my bloody internet connection is down and I have to use my sisters, and the kids are driving me up the wall. But this is important.

My OH took out his agreement in March 06 and I in Jan 06, his agreement is 7 pages long and it is as I remember now exactly the same as mine. I have also found his DN, which like mine is faulty but he is already in a payment plan with HSBC so that don't matter.

I know that the cca agreement that HSBC sent me is a recon, no doubt. Me & OH had exactly the same cards and everything the same but our copies are very different and I know mine was exactly like his but as I do not have the original will be my word against theirs.

How would one know what the true copy is? what would we compare it to, I mean if the customer has lost theirs then they can only take the word (and the copy recon or not) of the lender.

[middenmess]

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?

The DCA's would then have something to copy from!!!

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?

[pt2537]

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

it must be a true copy