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  1. Thank you for your help so far. I am going to contact Lloyds initially and complain that I believe I was mis-sold the PPI on the credit card and see what they have to say. I have also called the Financial Ombudsman as I looked at their website and it seemed they would look into any complaint, but at this stage I'm prepared to give Lloyds the opportunity to resolve it first (maybe wishful thinking!?) I have a few questions and again any advise would be well received. Is there a template letter I could use to contact Lloyds in the first place for someone who applied on-line for a credit card and
  2. I would be grateful for any feedback or advise on the letter I am going to send to Blair, Oliver & Scott in response to their letter threatening to start court action. I have basically copied the one suggested by PT2537 in his 'why you shouldnt use section 77/78 CCA 1974 if you want the signed agreement' thread. Also I have tried to upload again a copy of the letter they sent (i've dont it in the past, but now cant remember how.!!) and again any thougths or feedback would be good My proposed response Dear Sirs Account number I write with regards to the a
  3. I'm not sure if I have downloaded the letter correctly or whether it is too small, if so let me know and I will try again
  4. Hi I wonder if anyone can help. I received this letter today from Blair Oliver & Scott today (see below). Just to bring everyone upto date I did sent the letter suggested by clemma back in August and BOS have written a few times since just demanding money. I just ignored them until earlier this week when I did write again and my letter must of crossed with the one I received today (also see below). In my letter earlier in the week I was just asking again why BOS were still involved as I hadn't receieved a true copy of my credit agreement. Halifax themselves havent sent anything since
  5. Hi Clemma..Thank you for the template and I'll keep everyone updated.
  6. Ok an update. I have recieved what I believe is a dodgy Default amd Termination notice (I dont believe they gave enough time, see above). I have kept asking for a true copy of my CCA. Halifax have written in the last few weeks now saying they are at this time unable to provide a copy of the signed application form , however they confirm it is their procedure to obatin a customers signature all agreements with proscribed terms......Well find it and send it to me and we can start talking..!!! I have received a letter from their in-house debit colllectors threatening this and that, OK well b
  7. This is a good question. As I also recieved a default notice 7 days after the date on the letter. I have kept the envolope, but like Imansquest only have a barcode.?? Does anyone have an idea how or if you can denote actual posting date?
  8. Hi Halifax having sent me a Default Notice have now sent a Termination Notice. I'm just looking for some advise on a few points and also what my next steps should be. 1, Is the Default Notice enforceable as it only gave 14 days in total. Should there be some allowance for posting? 2, The Termination Notice is dated the 20th May, which only allowed 13 days from date of Default and is it an actual formal Tremination Notice, seems very informal to me?? I've uploaded below If you read my thread I have sent a CCA request and only received their standard T&C's I have also sen
  9. Guess it depends on who exactly the loan or credit card is with. Mine was a Halifax credit card, so made my postal order out to Halifax Card Services. Hope this helps.
  10. Actually last full payment was in Feb, I made a token payment in March and nothing since. Speed of the default maybe down to answering only 1 of their calls to tell them all communication in writing only. Thing is and I'm not totally sure, but shouldn't they allow time for posting of say 2 days in addition to the 14 days stated in the Default notice. I've looked over the last couple of days on the site and everyone who has received a Default Notice from the Halifax have only being given 14 days in total and like me recieved the letter around 7 days after date stated on the Default.?? Jus
  11. Hi, I wonder if anyone can help. I sent an account in dispute letter to the Halifax after they just sent 2 copies of their terms and condition in response to my CCA request. That was back in late March. I never received a reply to that letter until this Default Notice came today. Firstly could someone tell if they think the Default Notice is all OK. It's dated 7th May, but surprise surprise it takes a week to arrive with me. It allows 14 days, but shouldn't there be some time for posting? and secondly how should I respond? Should I write again asking for a true copy of my CCA, if so could
  12. Going to sub. I took my card only few months before you.
  13. Thank you clemma you help, it is really appreciated. I was going to sent the letter you suggested, however with this bit added to the bottom. Do you think it's OK to add? Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute. The lack of a credit agreement is a very clear dispute and as such the following applies. * You may not demand any payment on the account, nor am I obliged to offer any payment to you. * You may not add further interest or any charges to the account. * You may not pass the acco
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