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jimi

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  1. Thanks DB and DX and Andyorch Ive ,rather stupidly, been on the telephone to Halifax, I now know that was a mistake and I wish that I hadn't. They have written back poo-pooing my complaint . I initially thought that anonymity was crucial but I guess that they closely follow this site and already have me flagged up. I shall post again tomorrow and , believe me , I'm gonna come out "guns blazing" . thanks for listening .
  2. a partial settlement marker would have damaging consequences for the future and its something I wish to avoid
  3. Don't think so DX, they still send me monthly statements and I normally send them the minimum payments, as ive never defaulted I wouldn't think there are any bad marks there I honestly haven't checked for years the reason Ive re-engaged with this matter is the threat made by HALIFAX to mark my credit file with a Persistent Debt notice ( SEE DOCS ABOVE) this would be most unwelcome. This letter from H ALSO GOT ME RUMMAGING AROUND LOOKING AT conc STUFF and checking the amazing CAG SITE AND THIS GOT ME THINKING ABOUT HOW UNFAIR THEY HAVE BEEN WITH ME AND I THINK THEY SHOULD SURELY SHOULDER SOME BLAME FOR MY PREDICAMENT . I was very interested to read about how some older agreements are not enforceable unless an original signed agreement can be produced does this apply in my instance?
  4. Sounds good but what options do I have then quite honestly Id like to offer a full and final of 2 or 3k is this wise?
  5. Sorry its late but I need some technical help to upload RECONSTITUTED CCA.pdf
  6. I really appreciate all of your help . ive been trying for an hour to upload whats needed but my phone is ancient and my computer too. I cant do it for the love of trying , first thing tomorrow I will get some help and get it sorted .
  7. there is no doubt that the reconstituted is invalid... my name is spelt wrong for starters! they could have the original but recall when I asked was I being naïve earlier when I mentioned about the account number being changed back in 2007 it then followed that the rules for challenging changed then ie 2007. maybe I am now being paranoid but they seem to be slippery devils is it worth asking Halifax to disclose the agreement on the original account number? im reluctant to purposefully trash my own credit file as I feel like Ill need a remortgage in the foreseeable. a difficult thing to find out is whether this agreement is from 2004 or is it 2007?
  8. thanks for reading my plight dx and andy. I am having no luck scanning the required stuff ( MY 25 YEAR OLD SON CAN HELP ME LATER) to dx I would say that I agree ive only ever had a poorly paid self employed job and I wonder if they've treated me fairly or not. and to Andy thanks I agree with everything that you're saying its CONC ISNT IT? The aim is laudable ie to stop people being trapped in a never ending cycle of debt but one thing that Ive noticed is that they class you as in "persistant debt" if you've just been paying min payments for the last 18 months. they kindly advise of debt charities BUT the very same advice bodies always recommend paying off your biggest interest debt first which is exactly what I have been doing ive totally cleared 3 large debts that were charging double the rate of the Halifax card. so heres the rub because ive been acting perfectas best as I can im now at risk of ruining my credit file because of this newfound directive over a debt that was conceived years before that same directive was born oh and by the way andy I m not sure if you noticed that the account has been closed now for some years so any threats to stop the card aren't valid its just the threat Halifax made to besmirch my credit rating. and its the poorly thought out and phrasing of the threat Halifax made..
  9. Please help , Ive had a Halifax card since late 2004. In early 2007 the account number was changed ( I imagine I may have lost my card and been sent a new one ) or am I being naïve ? Over the next several years my credit limit kept on increasing without me requesting it. It was raised 11 times from the original £2750 till in spring 2014 it stood at £13950 Towards the end of that year Halifax told me that my interest rate was to be hiked up but explained that if I didn't agree to this I was entitled to close the account and pay it off as was previously the case. At this time I was struggling financially and the card was maxed out, so, as the minimum payment was already proving to be a burden I chose to close the account. Since then and up to today Ive never missed a payment and have paid a total of £8000 but have accrued £5450 in interest. So Im still £11400 in debt to them. Last month they kindly reminded me that "just paying minimum payments " is likely to be expensive for me but worryingly they quoted a new FCA DIRECTIVE which says I am in "Persistent debt". I came across your wonderful site and read up and decided to request a copy of my agreement. my request was made using the most recent account number ie from 2007 and what was sent doesn't seem to be an agreement..please help rather worryingly ten minutes after posting my question I got a call on my mobile from 07889902214 and a taped message telling me about a govt scheme to write off debt! Ive NEVER EVER had such a call in the past EVER so something fishys going on!
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