Thread: Halifax compliant agreement ?

I have just received a copy of my CCA from Halifax from 2004.
It is signed by myself however there is no credit limit, no T&C's etc.
They maintain that they believe the agreement to be enforceable, but state ,even if it wasn't it remains valid except that they can not sue on the contract???

They then go on to say they will not write off the balance or pay costs and will hand to third party and continue to make collection activity as it is not prohibited when an account is in dispute.

I believed that it was an offence to continue to pursue the debt in dispute or to add adverse credit notations .Is this the case? and am I correct in my assumption that the CCA is unenforceable due to the fact that there are no credit limits or payment details , T&C's etc on the form I had signed.

Any advise greatly appreciated.

Hello Battler.

Have a look at the guide on the enforcability on CCA's here:

http://www.consumeractiongroup.co.uk...nts-guide.html

This will give you all the information you need to follow this through.

Thanks for that, will do.