ok - thanks - wasnt too sure where it should sit due to it not being totally ppi related as also account in dispute thanks

Hi Following my first letter to Halifax credit Card they have confirmed, on 8th October 2009 that they will refund my payments plus interest a grand total of £4040.02 to my card!!! - thank you for the information which has been posted on this site to assist me in getting something back They have confrimed that they will pay this amount back onto my card as i have defaulted on it. They have previously confrimed that they are unable to provide me with a copy of the eecuted credit agreement, in July 2009, and that as i have never disputed this before they will not accept that it is uneforceable. I wrote to them again on 24th September stating that i feel that my account is in dispute due to them not having being able to provide me witha copy of the agreemnt back in July however despite this having been sent by recorded delivery they have not acknoledged or replied to it - any ideas as to what to do next? Also can Halifax offset the refund money to pay back into the account when it is in dispute?? Your comments would be gratefully appreciated thanks

hi the letter is generally short and sweet!!! and contains the information posted in my intial posting at the start of this tread prior to that they have sent the usual computer generated rubbish hoping that i would slope off into the distance but i went back and asked for more;-) i think thats why they are slightly miffed and are still allowing blair scott oliver - debt collectors to now threaten legal action with them sending a letter to me stating that if they have to they will go to court and put a charge against my house - might be a bit diffcult if they do not ahve the paper work but this is generally how these bullys get their big profits !!!!

hi - i have been following various threads, which have been useful, regarding the situation with the issues regarding unenforceable agreements. it seems that a number of these providers are unable to produce the agreements and reproduce computer generated T&C which bear no resemblence to the T&C signed years ago my halifax card was taken out 2003 and i have asked for a copy of the agreement - i have not yet challenged the charges against the card - does anyone recommend this?????? At the moment i am in receipt of a letter from the halifax confirming that they have presviously sent 'reconstructed versions of the executed agreements which comprised of the original and current t&c's. They feel that these were suitable asregulation 3 (2) (b) provides that a copy can omit any signature box, signature or date of signature. they have confrimed that they are not able to provide a copy of the original signed agreement however can confrim that their procedure was always to obtain a copy of the customers signature to an agreement containing the prescribed T&C's before entering into a credit agreemnt and as such they feel that they are confident that the agreement remains enforceable. furthermore they have also advised that the contract still has legal effect and is not void but they are merely prevented from seeking enforcement oredr from courts. they have advised that should this matter go to court then they will adduce evidence confirming their procedures. they also state that because i have not previously disputed the account since2002 and that previously have made payments to the account they feel that i have no basis for the dispute. they hope that the above information clarified the position. in addition today i am in receipt of a letter from blair scott threatening legal action. I have kepted them copied in on all correspondence to Halifax but it would appear they they are taking the same stance as halifax and continuing with ingoring the fact they are unable to produce the correct information. i am not too sure as to what other letter i should now be producing to stop or stall them in their tracks:x. in addition i have also requested all comms to be made in writing but to date this has bene ingored as i have received phone message from blair scott and calls from BOS/halifax so again any ideas regarding stopping this barrage would be gratefully received. i am pretty new to this so if i have joined the wrong thread to could you direct me as i posted something the other day and it was moved to tiger1506 v halifax but received limited responses at time of writing thanks again for any help

hi - thanks for your words of wisdom i will review those you have mentioned today i am in receipt of a letterto day (12th August) from blair scott (working on behalf of halifax) advising that if i do not contact then within 7 days of the letter dated 6th august that they will take enforcement action and go to court to put a charge againts my house !! can this be possible given that Halifax have have cofnirmed thay they do not have a copy of the agreement? any responses would appreciated as i need to contact them

hi - i have been following various threads, which have been useful, regarding the situation with the issues regarding unenforceable agreements. i am in receipt of a letter from the hlaifax confirming that they have presviously sent 'reconstructed versions of the executed agreements which comprised of the original and current t&c's. They feel that these were suitable asregulation 3 (2) (b) provides that a copy can omit any signature box, signature or date of signature. they have confrimed that they are not able to provide a copy of the original signed agreement however can confrim that their procedure was always to obtain a copy of the customers signature to an agreement containing the prescribed T&C's before entering into a credit agreemnt and as such they feel that they are confident that the agreement remains enforceable. furthermore they have also advised that the contract still has legal effect and is not void but they are merely prevented from seeking enforcement oredr from courts. they have advised that should this matter go to court then they will adduce evidence confirming their procedures. they also state that because i have not previously disputed the account since2002 and that previously have made payments to the account they feel that i have no basis for the dispute. they hope that te above information clarified the position. i have sent all requests to them recorded delivery and i have also copied in balir scott. in addition i have also reuested all comms to be in written format but good old blair scott ignore this despite having received the letters requeting this. they have recently left a message on my mobile requesting i call and have also sent a test to me asking to call. Should i send a copy of the Halifax letter to them? - will this do any good? what should i do next? - any ideas would be gratefully received thanks

Hi we are currently experiencing threatening, rude, abusive and non legal behaviour from Go Debt. We have also requested a copy of the agreement my husband signed two years ago to see if it is in breach of the CCA and also to see if a mis sale of PPI also took place. Upon requesting this information i was advised that due to my attitude and the fact that i had complained about Go Debts employees attitude to debtors then they will be proceeding with bankruptcy against my husband. The firm clearly do not follow the OFT's guidance for debt recovery nor do they adhere to the Credit Association Services code of practice, as they due use bullying and agressive tatics in oredr to try and recover money. Due to the nature of their business the firm should have a consumer credit licience and luckily with effect from 6th April 2007 compliants regarding such firms will be able to complain to the financial ombudsman service! We are finding that the firm do not ask if it is convenient to talk and do not worry about embarrassing you which again is not allowable under the CCA! Although we are aware that this firm are breaching areas of legislation we are seeking legal support so will let you know how we get on!