Thanks very much this makes it much clearer. Ok, I have looked at the discontinuance notice, do I need to attach a covering letter stating why? Also I think I need to send HSBC a copy of the form/and or letter is that correct? Also do I then have to pay any costs after doing this? (I dont have to pay fees Im on income support) I rang the court up ...

Thanks! I feel a bit less worried now. If I dont do a disclosure order and just sit it out what is likely to happen in the long run?

Thanks for that. I will send a notice of discontinuance then first, I will look into a declaration order also as I know nothing about it yet.

Thanks, I just wouldnt want baliffs appearing at my door if they actually do have a valid agreement hidden somewhere. How do I apply for a disclosure then?

Their reply to my letter was- " with regards to you request concerning that the account be closed and the balance returned to 0, please be aware that the effect of unenforcability under the CCA, and such enforcability we aver does not apply in this case, is to prevent a lender from enforcing the credit agreement in court. It does not render ...

Thanks! I have sent a letter asking them to reduce the debt to 0 , and basically they said no. I will quote the letter I sent tomorrow (after Ive had my beauty sleep too!) to see if its the same one you recommend. Thanks for all your help it is appreciated. I seem to have got into a bit of a muddle here!

ok, thanks for explaining. I do get this, I just want HSBC to admit they havent got an agreement, or to confirm that the application form they sent is "agreement" and then I could prove that it was unenforcable. As they didnt send it with the SAR does this mean that this will count as "my agreement" or could they just produce a ...

I have just checked, they didnt send me this application form with the SAR, they sent it after two further letters, I dont know if this matters or not.

I'm sorry I really dont understand! I am just trying to get my CCA, which they havent given me yet, Im not bothered about my costs , I just want the agreement. all Ive been sent in response to my SAR is an application form which was not filled out by me.

why not? That is what Im claiming for to get hsbc to produce my agreement. The costs are just on top of that.