Phoenix v HSBC

[thephoenix]

Quicky, I'm not conversant with credit card agreements and it's form and contents. If anyone could have a quick gander at the ones attached and tell me what you think. :roll: :roll:

Also, i requested copy of default notice they allegedly issued on the 13/01/05 as we never received one. HSBC tell me they are not legally obliged to retain a copy of the notice, just a record of it's issue. They go on to say it's a legal presumption that a letter properly addressed to the last known address on file is received in due course and this will apply to your default notice.

yet for us to ensure the default notice is of the prescribed form, we require a copy

[WendyB]

Re: Phoenix v HSBC

I'm not that conversant either but it looks like an agreement to me. Better than the one I received from crap One anyway, which was an application form!. With regard to the default, Crap One say much the same thing, they issue you with a sort of template thingy which tells you what it would have said if it was the real thing, which it isn't cos they don't keep a copy! If you see what I mean. Don't know whethr this will be of any use to you or not.

[iancognito]

Re: Phoenix v HSBC

Just send them a cheque properly addressed to the last known address on file is I'm sure it will be received in due course and this will apply to paying off any debt you may have had with them - in the same way they sent your default notice. msl:

[TUTTSI]

Re: Phoenix v HSBC

Quicky, I'm not conversant with credit card agreements and it's form and contents. If anyone could have a quick gander at the ones attached and tell me what you think. :roll: :roll:

Also, i requested copy of default notice they allegedly issued on the 13/01/05 as we never received one. HSBC tell me they are not legally obliged to retain a copy of the notice, just a record of it's issue. They go on to say it's a legal presumption that a letter properly addressed to the last known address on file is received in due course and this will apply to your default notice.

yet for us to ensure the default notice is of the prescribed form, we require a copy

Hi Phoenix
My hubby had exactly the same response from HSBC.... he never received the default notice either, they say they so not keep copies and basically you have to take their word for it. This cannot be correct and he will I know take this further and possibly to court and at the same time he will recover the bank charge element, which is minimal.
Something tells me that they should be able to verify their actions and give proof etc. Saying they sent it to the last know address..... we could say the same and the fact that they did not receive it, they would slap on another charge.
DS