Bumping!

Hi Pinky 1977 Thanks for the info it sounds good, but as they have already taken my 8 ½ Grand I think I might need something a little stronger, and I am still hoping that somebody on the forum might be able to answer the following, The Halifax claim the account is closed, because they have taken the money to settle the debt. And as such I cannot request any agreements; if you read the letter from them it’s almost as if they are challenging the act. Can they close the account without writing to let me know? If as they claim the account is closed do I still have the right to see my CCA? According to FSA they can only take money from one account to clear the debt on another if it is legal for them to do so, my argument is that if there is no valid regulated CCA then is the right of offset illegal Please Anyone? Kind Regards, Kawaka

Hello Pinky 1977, As you can see nothing yet, but from the letter they sent me http://i691.photobucket.com/albums/vv277/kawaka12/3.jpg It seems that the Halifax thinks that it does not need to comply with the consumer credit act just because they consider the account closed, but as I said in my previous post I am no expert and I was hoping somebody on the forum could help. If I hear anything I will let you know. Kawaka

A little while ago I posted a question about a bank’s ‘right to offset’ between two accounts I hold with them, (They took 8k from my redundancy money to pay off a credit card debt) I was told by the helpful people on this site that unfortunately the bank has the legal right to do this. Rather than roll over I thought I would ask them for a copy of the CCA just to see what their response would be, I was thinking that if there was a problem with CCA then maybe the right to offset would be illegal?. So I sent the CCA request letter with the £1 fee, and I have scanned the subsequent letters as follows (I hope they work as this is the first time I have tried this) The Halifax response to my CCA request: http://i691.photobucket.com/albums/vv277/kawaka12/1.jpg I sent them this letter from the forum: http://i691.photobucket.com/albums/vv277/kawaka12/2A.jpg http://i691.photobucket.com/albums/vv277/kawaka12/2B.jpg They sent this reply today: http://i691.photobucket.com/albums/vv277/kawaka12/3.jpg http://i691.photobucket.com/albums/vv277/kawaka12/4.jpg The reply they sent today seems to be an application rather than the agreement? But I am no expert, so I am hoping that somebody on the forum might be able to suggest what I should do next? Any help or advice would be most welcome as things are getting a little tight now. (My mortgage is due and the current account is already overdrawn!) Kind Regards Kawaka

Hi All, Just a little information for a newbie if you please, I have recently been made redundant and my company paid me out in a cheque. I deposited the cheque in a Halifax joint savings account held mine and my partners name, the cheque cleared today and Halifax without any notice have taken £8K to pay off my credit card debt. I admit that I am in default with my credit card but as the card is solely in my name can they take this money from a joint account? and without any notice? Any help or advice you could offer would be appricated, Thanks Desperate Dave.