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finley303

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About finley303

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  1. HI DX oh do not know if it is on there,to be honest as i am on pension credit and living in furnished rented housing i would not get credit again anyway as have another card which cca is ok and paying£1 per month
  2. hi Had another letter from ist credit saying same as other collectors that Halifax said there was nothing wrong with cca but as I have asked other collectors for a letter from Halifax to this effect then they just went away and a letter was not sent lol,Ist credit was sold alleged debt unlawfully as it has been in dispute for over 2 years,and now have asked me to prove that cca was not legal lol,do not think that is how it works lol
  3. thanks for your info ,yes i will send letter saying i will refer to oft st and ofcom and also send a letter of complaint to haifax,is there a good template on here for that,might as well keep on what are they going to get out of me living in rented housing and on pension credit with no assets lol fin
  4. HI Thanks for your reply, I sent ist credit a reply saying I had no obligation to correspond with them on this matter and informed them of other collectors who had returned the documents to the Halifax,and they said they would contact the Halifax but do not think they will bother and still keep phoning my number which I said was unlawful in my letter,so guess I can now write a letter of complaint as I have a heart condition and this causes me distress
  5. HI Thanks for your reply I served indispute letter in march 2009 after they did not respond in required time then about a month or so later got cca which was like others on this sight did not contain information before signature,i then received default notice in June2009 ater that it went the rounds to Powertocontact,Robinson Way,Nelson Guest and Westcot in late 2010,each time I received letter from each company I stated the account was indispute the companies would then say Halifax were not aware there was a dispute,but every time I asked to have confirmation of this the collectors went
  6. HI Thanks for that,I did recieve letter from a different debt collector last year and when asked they returned it to halifax,but now seems they have sold it,but as i am now on Pension credit and living in private rented housing the chances of them getting much per monh is slim i guess probably £1 per month like i pay another firm
  7. Re: 1st Credit (Halifax) HI I just received a letter from 1sr credit say they had purchased an debt from Halifax,but I replied it had been indispute since 2009 and had been passed to several debt collectors and they had passed it back to halifax, when I sent 1 st credit a letter saying they could not act on this and they were not allowed to contact me but this they have ignored, any advice on this thamks
  8. HI I just received a letter from 1sr credit say they had purchased an debt from Halifax,but I replied it had been indispute since 2009 and had been passed to several debt collectors and they had passed it back to halifax, when I sent 1 st credit a letter saying they could not act on this and they were not allowed to contact me but this they have ignored, any advice on this thamks
  9. hi I asked for cca from citi and they did not send within time limit so i then sent i do not acknowledge debt more than 2 years ago then after about 6 month just had general terms sent,so replied to this and did not hear anything for a year then last year got letter from cahoot saying they had purchased debt,i wrote back saying it was unlawful to selll a debt indispute ,did not here anything for 8 months now recieved usual terms form cahoot thet say they got from citi and it was good enough any advice
  10. HI I have same problem with halifax they hand it around to different debt collectors,i tell them it is in dispute then they go away,but i guess now it is new year they start again,i sent in dispute letter in 2009
  11. i sent an indispute letter to citicards april 2009 as they did not respond within time limit,they did send usual rubbish standard agreeement unsigned after a time,passed it to a couple of debt agents but i pointed out that when indispute it could not be passed to third party so they went away,now they have sold it on to another company so wrote to them saying the same as before so they passed it to another debt collector so which would have to prove the cca was legal? thanks if anyone can help fin
  12. i had a letter from from a firm saying they had brought debt from citicards this week,but i sent them an indsipute letter inearly 2009 and theydid not send me a satisfactory cca and they passed it to a couple of debt agents first but when i said it was indispute they returned it to Citicards,but now it seems that have sold it on and i think that is unlawful
  13. yes like babydoll i had same t&c as babydoll with halifax,sent an indispute letter 23 april2009,they sent it to 3 debt collectors but i informed them that when account was in dispute it could not be handed to a 3rd party,so they went away,but the last lot of debt collectors ignored my letter and sent me another demand but did not seal the letter so any one could read it,so does anyone know who best to complain to fin
  14. HI thanks for that info,would the letter you suggested will it be ok to send as the cca sent by Halifax was not enforceable and i sent in dispute letter to them in march and they have just handed it around from place to place when others debt companies have given up? thanks fin
  15. hi over past few months have not heard from halifax,but did hear first from Powertocontact saying halifax could not contact me explained i had written to halifax with in dispute letter did not hear from Power to contact again,then it went to Robinson way sent them a letter saying debt could not be handed to third party when in dispute,they came back with halifax had no record of in dispute letter so i replied i had sent letter of dispute by recorded delivery in march and i required a letter forn halifax saying they did not receive it , no letter came and now Robinson have given up and had a
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