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halifax cca request


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i sent a cca request to the halifax

 

i have a personal loan with them which was taken out online in december 2011

 

i have some concerns what they have sent me tbh

 

on the front of the "agreement" it states "BANK COPY"

 

there is an incorrect address on the agreement, i know the interest is incorrect but most importantly of all the agreement has not be signed by hand or has not been ticked electronikally

 

in fact there is no signature box at all

 

the default for this is due to come off credit file next year

 

i've not made a payment since july 2015

 

i have sent the bank a detailed income and expenditure and asking to write the debt off on hardship grounds, the bank has not replied

 

they are aware i am a vulnerable household due to various medical problems, so i can't work to pay back the monies owed

 

any advice please?

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can you scan up what they have sent please

follow the upload

 

 

do it to ONE multipage PDF please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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think there might be page missing but as you can see it doesn't look right the agrement

 

6 pages in total

 

no signature either by hand or not been ticket electronically

 

wrong interest rate (i've got separate letter to show as proof)

CCA return.pdf

Edited by dx100uk
merged to one pdf as we asked- dx
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what do you mean by the address being wrong?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ok well I wouldn't resume payment anytime soon

the issue is its not going to go away till 2021 mind

 

but the saving grace is credit wise it drops off next year

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Unsure but its incomplete so see what they do

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Don't write don't invite letter tennis

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

thank you dx.

 

i have not heard from halifax in some time.

 

they already have a detailed income and expenditure showing i am genuinely unable to pay but have not responded.

 

i'll jut sit tight now.

 

default will come off next year.

 

hopefully they will sell the debt on.

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had a letter from fidelite credit management on monday stating that a debt collector would be attending my address on monday 3rd april.

 

halifax have not sent me a notice of assignment regarding this, the letter was out of the blue.

 

the bank has still not replied to my detailed income and expenditure sheet.

 

the debt is improperly executed.

 

i have sent fidelite an email complaining of this but they have not replied so far.

 

is it best for me just to sit it out and not answer the door as dca's have no powers?

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that was silly what did I say in post 9..

 

you should always ignore a powerless dca.

 

you'll give them a strange feeling of grandeur..

 

now you've given them a free way to harass you.

 

as for the doorstepper

they nor and dca have ANY LEGAL POWERS WHATSOEVER

they ARE NOT BAILIFFS

 

 

simply tell them to leave your property else you'll call the police 101.

 

you are under no legal obligation to converse about your debts at your door or on the phone

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you stop entering into silly letter tennis,

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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let it run

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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do you blame them.

 

 

let it run

and comeback here before doing anything

 

 

wouldn't hurt to go read some other threads either

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The only thing you do not ignore is a county court claim which could follow at some point before becoming stat barred

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nothing..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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