creditagreement003-2.jpg picture by alfiepompom - Photobucket am i crazy surely they cant believe this is an offical looking agreement?

Hi everyone i will try and explain briefly sent away a sar for my hubby recevied back lots of stuff including a bad copy and paste job of a loan agreement sent a letter back asking for a copy which was readable recevied back the exact same today now the argument is the agreement has a line of figures which dont match up to the colums and the agreement has a different amount of money to which my husband took out but the application form has the correct amount what letter do i send to these people do i point out that the agreement is rubbish as that amount of money was never taken out as a loan? thanks for your help Sarah

Thanks guzzleguts thats really helpful and thankyou Scott for that letter its already to go tomorrow!! Sarah

Thanks Guzzleguts yes it is poor im having trouble reading it now!! the only part they do mention is the period date you would like to pay nothing else is mentioned im really fed up with all their bad copies of agreements they have sent can my husband request to see originals in his local branch? thanks again

anyone? thankyou

Thanks findingthecheese halifaxcc001.jpg picture by alfiepompom - Photobucket

halifaxcc001.jpg picture by alfiepompom - Photobucket just checking to see if this enforceable like the rest of the rubbish they have sent thankyou

Hi Everyone the saga continues today they send a copy of the credit card agreement which is titled visa card application hard to read and for some reason has a lot of additional information like the estimated value of the property and morgage lender its one page and even the signature looks a bit dodgy to the point it looks more like mine as we have a joint account and i sign cheques over my husband what do i do now request to see an actual agreement at a local branch?

well i still havent recevied a copy of my husbands loan agreement since the bodged up two they sent as part of the sar with different amounts . and as for a request of the credit card agreement they havent produced anything even thru the sar but they are quite happy to keep phoning from 9 this morning not that it bothers us its on silent do i now just sit tight and wait?

Thanks Credit card mug i sent them another letter yesterday morning they got it today and obviously liked it as they have phoned three times today from 8 this morning hehee makes me laugh plus their probably not happy as paypal has their money on hold

Hi spartathisis yes ive done all that for my hubby including sar and got the same stuff as you statements going back 14 years lol they said they didnt have a copy of his credit card agreement but would forward it if they found it, aswell as sending a really bad copy and paste job of a loan he has two pages two different amounts but signed the same day so i found it amusing after sending off a request to see a copy of his true signed agreement that they now inform me they dont have to prove it under section 78 gotta love em

Hi again today a halifax letter turns up regarding the request for the cc. they sent a copy of conditions of use but they claim they dont have to provide a true copy of the original signed agreement under section 78 of the consumer credit act my husbands card was taken out in 2000/2001 do they have to provide a true copy? and if so what letter do i send ? bear in mind i sent a sar last year and the claimed they havent got a copy of his cc at this present moment thankyou for your help Sarah

wow ska i cant believe they behave so badly have they threaten court? they told my husband they could apply for a charging order dont know how theres no equity in this house

Hi Ska have you stopped paying them now because they havent responded to your requests ? i really think their chancers and will bully as much as poss

Hi Manc1 definatly a good idea its going to have to be one step at a time tho he didnt even admit that he was transfering money around to pay the debts until late last year !! then i sent out letters to all creditors and its all rolled on from there so hes just getting used to the idea that ive taken control and they arent that important and can only have money left over after everything important has been paid

Hi Bankfodder yes they have been extreme with their phonecalls but since we sent them a phone harrasement letter it all stopped they even gave us ofts guidelines of the times there aloud to call

Hi manchester1 crazy as it seems for the moment every other creditor is being nice my husband knows he owes the debt so his feeling is he wants to continue paying them . if any of them start getting funny then he would fight back with sar and caa probably going about it the wrong way and should be more ruthless?

Hi Hillards you made my laugh!! they behave far worse than dogs , every other creditor has layed down and played dead since my husband used payplan halifax seem to think their far more important then anyone else if you want a laugh have a look at the highly amusing copy and paste i posted ,a four year old could of done better

Ok my husbands with payplan so halifax get a £100 a month they phoned up last night saying they wanted more!! he said sorry i cant afford anymore they turnaround and said all the time you dont pay off the minium over a grand!! we will add £12 late fee every month. how can you ever get out of debt if they do that so they were sent a sar which is in my other thread and they sent a really bad copy and paste job with a different amount then loan is and other stating application form with different amount both for same loan they claimed at this present time they didnt have a copy of credit card agreement they have had cca as well which one was cashed as i sent a cheque signed by me so i know its been cashed so yesterday they were sent account in dispute letter and ive informed payplan to hold their payment which of course they advised wasnt a good idea as if they took it further it was clear we admitted the debt but they have agreed to hold it. so i guess its time for halifax to start with the big boy bullying tatics again now

watching with interest going thru the same thing good luck Sarah

Anyones input would be great thankyou Sarah

Call me stingey lol but i wouldnt bother paying his fees . he will get the money back from ebay easily anyway , he mite say he doesnt know how etc but i promise you he can very easily once you recevie that email from ebay asking if you have agreed your not continuing transaction,

Hi dont panic this is something that happens to me on ebay every so often as i sell quite a bit, all that happens is someone says they have changed their mind i then select from the transaction resolve problem , we have agreed not to continue transaction ebay would send you an email asking you if you have agreed to this you click yes and your not obliged to buy and the seller gets their fees back . they can then offer the item to the next bidder on 2nd chance offer. you wont get a strike and they cant give you a negative ebay are much kinder to buyers than sellers even if it did go into dispute on ebays resolve a problem if you reply once you wont get a strike Sarah

bump ;0}

Hi Rory yes the 2nd one has a line that goes thru the middle with amounts that are blurred, the first one application form has the loan amount and repayment period 7 years wording about protecting payments and declaration information on headers on forms say blurred one is personal loan agreement and other is personal loan application form blurred form has different loan amount to application form these forms were sent to my husband from his sar Sarah