HBOS are the worst of all creditors to come to arrangements with concerning anything less than full payment of accounts,they much prefer you to default and pass you on to a dca. You should however without delay write and complain to them about how they have dealt with your account especially if you where self employed with no good income . I got a £70k mortgage shortfall written off per same but they still got it marked as satisfied with a default registered . Im also in the process of persuing an irresponsible lending claim on all accounts i held with them . GET YOUR COMPLAINT INTO THEM IN WRITING THEN TAKE IT FURTHER WHEN THEY TRY TO PALM YOU OFF theyre the biggest irresponsible lender of all. I had accounts with nearly every lender out there Trust me halifax are the worst.

Thanks dx yes it was and is a one off email reply to ensure i can see exactly what they are up too. Seems to easy for them with these backdoor ccjs as it also seems (from what i gather) that once theyve obtained these its extremely hard to fight them. Their move ! thanks again.

Yes pal last payment date mid march 2013 so not SB . lowlifes have been in touch i replied vaguely to one of their emails stating i knew nothing about them ,providing current address (to ensure no backdoor) stating that i was concerned they had any kind of details about me and i knew nothing of them . They then wrote stating the details of the account and they treated my response as a complaint. Acount on hold 30 days.

Can anyone advise the timescale allowed for a SAR request to be sent by halifax please. Recieved a letter from them stating it will take longer than normal to provide the SAR request and that the ICO guidlines allow a further 60 days to complete a complex request such as mine and that they have 90 days to produce my SAR . Can anyone tell me if this is indeed allowed ?

Right thats what ill do not much to lose at this stage ,thanks again ,ill post back results

i was thinkin maybe best to SAR original creditor as im not sure with it bieng an overdraft

HI oc was haifax account closed mid may 2013 .. its marked with payment arrangements throughout but closed mid may 2013 no activivity after mid may 13

lowell dca help Im hoping for some advice on an old 5 year defauted overdraft debt that lowell purchased some years ago total £!2k. I had my home repossesed at the time and never gave my new address to either original lender or the dca. Ive never had any contact from either but im aware they can still apply for a ccj at the old address they hold. My dilemma is do i contact the dca with my new address and try to deal with it or hope it slips past six years. They have never credit checked me to get my new address. So really i want to know do they usually wait till last minute for court action also are debts over 10k dealt with differently by courts than debts under 10k ? thanks in advance