Thread: Can they do this?

Hi all I have a personal loan with Halifax, in july last year I sent them a letter asking for a copy of my credit agreement, anyway they just totally ignored me and sent me a default notice and continued to add charges and so on. Anyway I was suppossed to take the matter further but had a death in family so everything just got put on hold.
To cut a long story short I decided in the end to just carry on paying, then I just got another default notice yesterday for £100, so this just really annoyed me no warnings or anything. So I have printed off a letter reminding them of thier non-compliance and the debt is unenforceable and so on.
Then today I find out without any warning that they have transferred £80.00 out of one of my accounts. I do not have any direct debits set up for this loan on any of my cards, so my question is can they just transfer this money without warning, and without direct debit set up. I think they tried a diff. card first but were unsuccessful as it had no funds, so today they just tried my other card (I have 2) and unfortunatley they were successful this time.
As always thnx for any advice recieved.

bumping.

Have you kept a copy of the credit agreement request? If so follow that up now with a default letter and put the debt into dispute. If not send it again and keep a copy.

Hi poppynurse, yeah I have kept a copy plus I have sent everything by recorded delivery. Well I have just sent a letter to them today (by RD) reminding them of the dispute and reminding them that the original was sent by rd. also. This time however Ive sent direct to the legal services dept. to see how they will now deal with this, surely they cant be any worse than the original dept. who are obviously above the law and are allowed to just ignore these requests, and carry on charging and sending threatning letters.