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This is my last CCA request I wanted to do, I sent request with the usual £1 postal order to Halifax Credit Card,Dunfermline which was delivered on 13th Nov. they have not even acknowledged receipt of this.After the 12+2 days I stopped paying them but had only just previously made payment anyhow. I have now had request for payment (new balance with late payment charges).
Should I remind them of my request?
You don't need to remind them if you don't want to. They are aware of their legal obligations. As they have added late payment charges you may however wish to inform them that you are aware that they currently can't enforce the account so should not be applying interest or charges to the account. But then again they will posibly just ignore any letter.
Thanks Rory, I dont have electronic signature for receipt but I do have proof of delivery on 13th Nov. for all I know it could still be unopened somewhere. How do I stand with this as I gather after 12+2+30 days they commit an offence.
Your request still stands from the date of receipt. If they continue to request payment after the 30 days are up then you can report them to Trading Standards. I would also make an official complaint to Halifax.
Oh forgot to say that the +2 days only apply if you don't know when they received it as that's what you would allow for delivery, so the 12 working days start the day after receipt as they are full working days.
If thats the case they run out of time tomorrow Would there be a standard template for the complaint of non compliance, cant seem to find one. How good are Halifax at supplying CCA's. have you any idea?
I had a similar problem with Sainsburys (who are part owned by Halifax and all the admin is done in the same place) they are useless, they will no doubt send you an application form and T&C's current at today's date and say they have complied. They will continue to add interest and charges and send threatening letters even if you advise they them have not complied.
In other words they are a law unto themselves. Good luck
Don't expect alot to happen quickly with these people.
I asked for a copy of my agreement in June. Just got shed loads of we are going to ruin the rest of your life type letters, then Blair,Oliver and scott (their in house DCA) got involved and the threats became more official looking (this is not a court document etc etc), but we ***may***obtain judgement and take everything you own or have ever or are likely to own ever again so pay up now or else.
Cheeky burgers even took £100 from my Halifax current account as an offset of funds whilst the account was in dispute (that issue will be sorted at a later date), so changed to a basic account elsewhere.
Yesterday got a letter from a nice man at customer complaints saying that he understands I am not happy with the service I have received from the halifax and he will look into my complaint within the next 8 weeks?.
I have never complained to anyone, but now I have a contact he is gonna get it, chapter and verse about the way my simple request has been turned into a catalogue of threats, innuendo and downright nastieness.
So to sum up just leave them to dig a big hole for themselves but keep everything they send you. Write the date you receive everything on the envelope as they date everything 2 weeks before they post it.
Hi Santos, check my own thread and it is exactly the same, Halifax I think believe they are above the law and regulation, they took payment from me whilst in dispute, worse still it was part of a court fee they were told to pay me after I won a judgement against them, they have not yet returned it. I have now gone to Trading Standards and the OFT as they started the stupid phone calls again and also decided to "letter" me as I had lost contact and charged £22 for it. All in all they are an utter shambles and whilst all this has been happening have they complied with with my CCA request in the last 10 months ??? ....... No !!!!
Harrythehawk, which TS did you report them to? I want to report Sainsbury's who are part owned by Halifax and don't know which one to pick as they seem to send letters from everywhere!
As I live in Leeds it was West Yorkshire which happens to be the Halifax area too which makes this nice and easy, I think you should write to your own local branch first, I used the West Yorkshire ones for problems I had with Lloyds in Sussex. Also, I wrote to the CEO of Halifax personally .... still waiting to hear back on that ..... maybe I should set Power2Contact on to him !!
Thanks for that, unfortunately our TS where I live are pretty hopeless and didn't have a clue what I was on about when I contacted them re Barclaycard, that's why i wrote to Northampton TS for them.
Don't expect alot to happen quickly with these people.
I asked for a copy of my agreement in June. Just got shed loads of we are going to ruin the rest of your life type letters, then Blair,Oliver and scott (their in house DCA) got involved and the threats became more official looking (this is not a court document etc etc), but we ***may***obtain judgement and take everything you own or have ever or are likely to own ever again so pay up now or else.
Cheeky burgers even took £100 from my Halifax current account as an offset of funds whilst the account was in dispute (that issue will be sorted at a later date), so changed to a basic account elsewhere.
Yesterday got a letter from a nice man at customer complaints saying that he understands I am not happy with the service I have received from the halifax and he will look into my complaint within the next 8 weeks?.
I have never complained to anyone, but now I have a contact he is gonna get it, chapter and verse about the way my simple request has been turned into a catalogue of threats, innuendo and downright nastieness.
So to sum up just leave them to dig a big hole for themselves but keep everything they send you. Write the date you receive everything on the envelope as they date everything 2 weeks before they post it.
Regards
Santos
That is what I am concerned about,taking funds from my halifax bank account as the only funds I have paid into it are my Fostering Allowance for my grandaughter. I will have to start another account somewhere I think. How can you get funds returned if they do this when they have commited an offence ie 12+30 days and no responce to simple cca request??
I had a call from Halifax yesterday and I reminded them of my request for CCA,and not to call again but to communicate only by post.
Well today I have received this with a compliment slip only.
Halifax Credit Card CCA
Credit Card,Dunfermline which was delivered on 13th Nov. they have not even acknowledged receipt of this.After the 12+2 days I stopped paying them but had only just previously made payment anyhow. I have now had request for payment (new balance with late payment charges).
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Would there be a standard template for the complaint of non compliance, cant seem to find one. How good are 
Originally Posted by Santos L Helper
