The solicitor is Fairfax Solicitors in Leeds.

Not sure if this is the correct way to ask a question but here goes. My Husband and I have an overdraft with the Halifax and due to ill health and company going into liquidation we were unable to pay this overdraft off. We posted out to the Halifax our income and expenditure and offer of payment £1.00 monthly payment which the Halifax agreed to. We have kept this up now for a year without any blips and as soon as our finanicial circumstances change then we thought this would go on, but last week we had a phone call from a Solicitor saying the Halifax wanted the money in full, my Husband explained everything to them and they said we have to fill in another income and expenditure form send it back to them then they will escalate this to the Halifax if we don't pay them in full. Can anyone help us please we don't know what is going to happen now..

Hi Scott, Thanks for that, we didn't know who they were.

Thank you very much for your help. The Halifax did not send a letter to say the debt had been transfered they sent default notices every month whilst we were on the agreed payment plan, but they finished the plan two months early by transferring the debt to Blair, Oliver and Scott (who by the way we didn't know anything about these people until Global International told us that Blair, Oliver and Scott had the debt in the first instance).

Hi everyone, I am very new to this so please forgive me if I have posted this in the wrong place. I originally requested a copy of the CC Agreement from Halifax regarding my Husband's credit card because we entered into an agreement with the Halifax on a reduced repayment until May 2009 as my Husband lost his job in September last year. In the meantime the Halifax without my Husband knowing ended this agreement on the 19th March 2009. The first we knew about it was when we received a telephone call from Global International who said this debt was passed onto them by Blair, Oliver and Scott???? who they said got this debt from the Halifax. My Husband complained to the Financial Ombudsman who sent a letter to the Halifax which in turn we asked the Halifax for a copy of the executed agreement. Here is an extract from the letter they sent 'Enclosed is a copy of the executed agreement. As the agreement has ended there is no credit limit in place and no interest is being charged on the debt owing, the full amount is in arrears and due for payment. Please note that the information we have provided you with is all the information we are required to provide you with Under Section 78 of the Consumer Credit Act. Please also note that we are not required to provide a copy of the original signed agreement under section 78 of the Consumer credit act.' All they have sent is photocopies of the credit card agreement without any signatures. Where do we go from here please.