Thanks for the reply Vint, i really could do with the extra money at the moment but i could do without them badgering me for payments even more:mad: I'll leave the direct debit setup for now, so now im thinking the only way to get a true copy of my executed agreement is to send them a subject access request and hope that gets them motivated enough to even respond. Am i right in saying that what ever they send me as a response to my SAR is the only documents they can use should we go to court ? Or is that something completely different? Thanks again for taking the time out to help i really appreciate it T

Well still no reply to my account in dispute letter, its been 12 working days now since they signed for it. What should i do now ?? I was expecting a reply as it seems they normally reply to such a letter after looking through other threads. Are they just hoping i'll forget and just keep paying? Should i cancel my direct debit for the account too or leave it and see if they brake the rules and debit the next payment? I really dont know what to do now i hadn't expected or planned for a non response Any help on the matter would be great folks thanks.

Hello, hope you're all well! The account in dispute letter was delivered and signed for on the 22/09/09 and up to now i'm still awaiting a reply from Halifax. Does anyone know their typical or most likely response to this letter? Also could you please tell me what my course of action should be if i dont receive a response by the end of next week? If and when i receive a reply from them i'll post it here, ill have a gander through the forum now and see if i can workout what their next move may be. Thanks again

Thanks for that Vint ill have that sent off, don't worry about the original agreement i regard that as my secret weapon:D Thanks again and ill keep you updated

Hi Middenmess I do belive i have ppi, i couldn't work out the BOS agreement either seemed total nonsense to be honest. I never signed for a new agreement anyway so im not sure where they have pulled that from. I do know however that my original agreement dated 2003 and the two i have recieved in responce to my cca request all differ greatly. For instance on my original agreement it states that i should pay charges of £20 for late payments etc.. But on the 'new' halifax agreement it states i should pay £25 for those same charges and in the BOS agreement it's the allowed £12 charge amount. I think they copied your method Vint and threw them together this morning round the breakfast table:D

:lol: Halifax agreement Halifax agreement pictures by tac_82 - Photobucket Bank of scotland agreement Bank of scotland agreement pictures by tac_82 - Photobucket Thanks again

Hi vint1954, thanks for dropping in There are actually two agreements enclosed with the letter, one has the address of where i lived when i first got the card the parties of this agreement being myself and halifax plc. The other being of my new address the parties of which are bank of scotland and myself. Ill scan both agreements and put them into their own album on photobucket and pop a link here in 10 minutes or so. Thanks again

Hello all, just had my cca response from halifax. Basically they have sent me a 'reconstituted' version of the agreement. Heres the letter, let me know if you would like to see the 'reconstituted' version. I love how they put that 'this' version of the agreement complies with the requirements of the cca ! I also should note that theres not a signature or date on any of the drivel they have provided. So whats my next step ? Account in dispute ? Ask them again for a copy of the original signed agreement (if there is one) ? Thanks again

Just a quick note to say halifax signed for the cca request today.

You will never guess what i have just found ???? The original agreement along with a letter from halifax in 2003 Here is the album link on photobucket Pictures by tac_82 - Photobucket Let me know what you think Thanks

Thanks for that, i did see the sticky but there are so many addresses in their i didn't want to get the wrong one and give them an excuse for me to send it again.Thanks again

If anyone knows the address where i need to send my cca request please could you let me know. It is a halifax visa credit card, my missus is off to the postoffice in a little while and i don't want to miss the chance to post it. Thanks

Would this be the voucher id printed on the reciept ? 1045919993 Thanks again and sorry for seeming a little dumb its just theres various numbers written on the postal order and i want to make sure i note the correct one.

Please see the letter above posted by vint1954, 'I enclose a postal order no xxxxxxxxxxxxxxx in the sum of £1.00,' Thanks

Hello all again, im a bit delayed in sending off my cca request. Could anyone tell me which number on the postal order i have to put in the letter please. Thanks

I certainly will, thanks again for your help

Thank you very much for that i'll have it sent off tomorrow

Ah now it makes more sense to me thank you, i thihnk i may have some what overloaded my brain a little. I've read so much i wasn't entirely sure which step to take. So i need to send them a cca request first and go from there, ill have a look around for that letter on the forums again. Thanks:)

Hello everyone, i found this site yesterday and i'm very impressed as it is just what i was looking for. Anyway on with the details, i have a halifax credit card that i have had for over 6 years the balance of which is £1200 ish (not as much as some on here but allbeit worth fighting for). Now the interesting bit, when i opened my bank account with halifax some 6 years ago to my amazement i automatically recieved a credit card too i dont remember signing for it or even them mentioning it, i can remember however phoning the branch to see why i had recieved a credit card through the post and not my current account card. Then last year myself and my missus went into the local branch to consolodate our debt (all of which is with halifax) into one easy loan. Once the 'banker' started looking for my credit card account on their system they couldn't find any record of it and it turned out that they had my name misspelt on their system. Anyway they wouldn't give us the loan probably because they would lose interest money by doing so idk? Now i find myself here at this very informative and helpful website full of resources. I think i'm going to go down this path to try and get a copy of my signed agreement with halifax, if one exists that is. http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html Ill keep this thread updated with my progress and if any of you wise folks have any advice for me it would be greatly appreciated. Kind regards T.A.C