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Halifax Credit Card CCA


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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?

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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.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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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.

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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.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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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.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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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 :)

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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

Springfield

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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 !!!!

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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 !!

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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??

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Opening a new bank account is very straightforward particularly as it's only benefits going in to it. Just open a basic bank account http://www.moneymadeclear.fsa.gov.uk/pdfs/bank_accounts.pdf

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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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.jpg

halifax2.jpg

 

hx.jpg

 

 

hx1.jpg

 

 

 

Hope they are readable.Any comments welcome.

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Well that's a shame, for them.

As under SI 1983/1553 the prescribed terms MUST be included in the signature document and NOT on a seperate sheet headed T&C or similar.

 

So basically unenforceable as there are ZERO prescribed terms.

 

 

S61(1)(a) CCA provides that, for a regulated agreement to be properly executed, it must contain all the prescribed terms of the agreement and conform to regulations under s60(1) – see Q1.14.

 

Reg 6(1) provides that the terms specified in Sch 6 to the Agreements Regulations are ‘prescribed terms’ for the purposes of s61(1)(a) and s127(3) – see Q8.2.

 

8.2 What if prescribed terms are missing or incorrect?

 

s127(3) provides that the court may not make an enforcement order unless a document containing all the prescribed terms of the agreement was signed by the debtor – see Q1.21.

 

If therefore any of the prescribed terms is missing, or incorrect, the agreement is not enforceable against the debtor, and the court is precluded from making an enforcement order.

 

 

8.3 What are the prescribed terms?

 

The prescribed terms specified in Sch 6 are as follows:

 

* amount of credit – see Q8.

 

* credit limit – see Q8.5

* repayments – see Q8.9.

* rate of interest – see Q8.6

 

Sch 6 was not amended by the 2004 Regulations.

 

 

Also check out Peter Bard's excellent thread on the subject: http://www.consumeractiongroup.co.uk/forum/general/103383-agreement-enforceability.html

Be VERY careful whose advice you listen too

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