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Default Notice - Section 87 of Consumer Credit Act 1974 ?? HELP!


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To cut a long story short. I am over my arranged overdraft with Halifax by £682.44

 

I was waiting on a claim for my bank charges to come through (being sorted by Alison & Reilly Solicitors) but now that the courts have favored the banks it seems that Halifax will no longer wait on my claim and are demanding £682.44 off me before the 26th December.

 

I have breached contract and they want me to pay up.

 

Obviously I don't want to ring the Retail Bank Collections as they are a bunch of turds and never listen and always make agreements that I have not agreed too.

 

What are my options here? Ive heard from Alison & Reilly that the maximum time it will take for my claim to go through and find out if I can get anything will be 3 months... is there anyway of putting Halifax off until the claim has been settled?

 

Is it worth going to the citizen advice bureau?

 

Thankyou

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