any thoughts ? ;0)

Hiya im not sure if ive done it right but you can see the dodgy cut and paste job Sarah

Image of halifax loan agreement - Photobucket - Video and Image Hosting creditagreement003.jpg - Image - Photobucket - Video and Image Hosting

I took a pic of both agreements both have different amounts but the same account number and same date but i dont know how to post them

Thanks Scott ive just been through the sar bits and found lots of charges and a copy of the unsecured loan well they printed two sheets completly different amounts of money and the first sheet has a bit of paper folded over like a really bad copy and paste job!! but both are dated for the same day

Hi Scott thanks for the letter no i havent counted up the charges yet i know it probably runs into thousands , so can they take your property if theirs no equity on an unsecured debt whats the worst they could do if they did produce the credit agreement eventually? . do you think i should advise payplan to hold back their payment when they have defaulted sorry for so many questions Sarah

yes i did what you said

Hi Scott credit card and loan . loan is unsecured Sarah

anyone ?

Hiya well i got the sar it was huge came in a big envelope full of history , but with it came a letter saying things not included and one of the items was a copy of the credit agreement!! i also sent as you advised .requests for credit agreement on the 29th december had no response back except a letter from halifax this morning saying my husbands account details are being transferred to a debt recovery agent i dont understand how halifax work they have been getting money every month via payplan but still continue to be idiots , so my question is if they dont produce the agreement their in default but if they did take him to court could they force us to sell the house even tho theres zero equity ? thankyou for your help Sarah

Hi Rivendale pm me and i will let my hubby spk to you its all scary i know so just chatting mite be able to answer some questions for you Sarah

Hiya just to let you know payplan accepts self employed people , my husband is self employed, they are very understanding and help you live within a budget you can afford take care Sarah

Hiya im not an expert , but i think by them trying to get you to sign an agreement they havent got one at the moment. dont sign it

Ok thanks Scott i will let you know how it goes!! take care and happy christmas Sarah

Hi Scott thankyou ive been a lurker for ages !!! but really needed advice this time sar was sent on the 19th november and signed for on the 20th cheque was cashed two days after that because he has two accounts with halifax loan and credit card does he have to send two CCA requests thankyou for all your help Sarah

Hi everyone need a bit of advice for my husband , his bills for credit cards and loans were getting out of control all wages on bills nothing to live on. i found payplan , which is now in place , except halifax wont give up even tho they get money like everyone else. hes constantly getting fees default charges etc and interest added on , i sent a sar to them which they took the £10 fee and cashed it , but they havent processed the information requested including a copy of his original contract . the reason for wanting a copy of the contract is the fees are so varied and for any reason that i want to know if hes even agreed to them , for example a telephone default £20 but noone is willing to explain it they just say oh its in your contract?!!! please help its so confusing Sarah