Thank you, I will write the letters tonight and send them recorded first thing tomorrow.

Thank you for the reply but I think you have only read the first post, we have gone beyond that stage. Please see the post above yours.

Hi, this morning I received a letter from Incasso llp and this is what is said:- Dear Mrs XXXXXXXX RE: Halifax PLC We have been contacted by iQor Recovery Services Ltd in relation to monies owed to Halifax PLC for the sum of £X,XXX.XX Unless iQor Recovery Services Ltd receive payment within 10 days from the date of this letter, or you contact them with your reasons for withholding payment on telephone number 0845 146 0181 or at: iQor House 33/34 Winkley Square Preston PR1 3EL It is likely that we will be instructed to pursue legal action against you. Should we be instructed, we will take whatever action we feel is necessary to protect our clients intrest. Any legal action will include a claim for additional legal costs and intrest that may accrue. Yours sincerely Incasso Solicitors. This is the first thing we have heard since sending the in in dispute letter to Moorcroft. It seems they have passed it on, but I thought they could not do this ? What now? Thanks. Also had no response from tha Halifax whatsoever regarding the original signed CCA.

Thank you, I will be ringing Trading standards in the morning, I am awaiting a phone call now from my local councillor

Ok thanks Harrassed Senior, I sent the letter this morning, I also received a letter from them this morning and it goes like this:- Dear mr xxxxxxx xxxxxxxx We acknowledge the receipt of your letter dated xxxxx xxx xxxxx and note the contents herein. We write to advise you that we have been instructed by your Local Authority to pursue you in respect of Sundry Debts, this being a xxxxx xxxx membership with an invoice date of xx xxxxxxx 2009 If you are disputing this account, we would respectfully suggest you contact your Local Authority to discuss the matter further. However, we are unable to hold any action whilst you do so. We would also take this opportunity to advise you that we are not governed by the Office of Fair Trading. Therefore, their guidelines do not apply to us. After reviewing your account the minimum payment we are able to accept is £30.00 every 30 days, please note the requested amount is not negotiable therefore, we look forward to receiving your first installment by xxx March 2010 and a final payment by xxxx April 2010. Failure to comply with the above may result in further action being taken. Jacobs. So whats the next step ? Thanks.

Thanks for the replys, do I resend the prove it letter and also add that if someone turns up on the doorstep then the police will be called? or do I not send anything? Thanks.

Hi, this morning my son received another letter from Jacobs (it seems as if they totally ignored the prove it letter), this letter is from a welfare adviser from Jacobs and it says:- Dear Mr XXXXXXX XXXXXX My name is Susan Walker I work as welfare adviser for Jacobs Debt Recovery. Your case is due to be passed to our collections team for doorstep collection. My job is to try to help you and make arrangements to pay the debt without the need for further action. It is in your intrest to contact Jacobs in the next seven days and make an offer of payment THIS DEBT WILL NOT GO AWAY AND MUST BE PAID. JACOBS CAN ONLY HELP IF YOU CONTACT US NOW ON 0845 601 2692 Whats my next step?Thanks.

Thank you if I hear anything i will let you know

Hi, I'm still waiting, not heard anything from Halifax or Moorcroft is this normal?

Hi, thanks for the quick reply, this might sound thick but I cant for the life of me find the letter in the templates section, any chance you could post me a link. Thanks.

Hi my son received a letter this morning from a company called Jacobs Debt Recovery it is for a gym subscription he used to have with the local council. There was a three months cancellation period but because of numerous disputes he cancelled the subscription and also cancelled the direct debit, the main reason for this was due to the fact the times he went to swim he was unable to do this because the pool was cordened off for none subscribing patrons mainly schools. This was mentioned to the manager on numerous occasions and was told it was unlucky and we would have to put up with it.I wrote to the local council and explained what had happened and what i was going to do, heared nothing so i thought everything was okay until this morning, I havent responded to the letter yet could someone please advise what to do next Thank you

There has been no charges applied to the account the outstanding amount is the same as it was when i started this back in October. Thank you

Today in the post i received a letter from Morcroft Debt collectors saying i am one month in arrears and that i am dealing with a third party it was quite a polite letter, but i dont know who the third party are, is there any letter to send to them regarding this matter, heard nothing from Halifax since my first post back in the beginning of October. Thank you

Hi sent the Account in dispute letter on November 5th to the halifax and have heard nothing from them yet it is noe the 13th December, is there anything else i need to do? thanks

Thank you, I will send this letter off today. I know it's a little late but it does allow for the postal strikes. BTW, I did send the first letter to the Leeds address as listed on the credit card web page, so I will send the second letter also to this address, but I have seen somewhere on the forums that someone else has said it might have been better to send it to the Halifax address?

Hello again, as of yet I have recieved nothing back from the Halifax, we have now waited 12+2 and also allowed another 2 days due to the postal disputes. What would be my next step? is it the SAR or must I wait for a reply from the CCA request? Thanks.

Thank you, I sent the first letter off yesterday, will report back here when I get a reply, If I do.

Hello everyone, this is my first post although my husband has been reading these forums for a while now and said you are the ones to answer any questions we have We both have credit cards that we are finding it harder to pay every month, when we initially got the cards we were both working, my husband full time and me part time. Never had any problems with payments etc until recently and due to the present climate and ill health my husband and I are out of work. The Cards are as follows, 1 capital one card and 1 halifax card that belong to my husband, the cap1 card is from approx 2001 and the halifax is from 2003, my card is a halifax card from 2003. The amount owed on the cards are £3500 on the cap1 - and approx £2000 on each of the halifax cards. The cards are not in default and regular payments have always been paid, but we are really struggling financially. I have been reading about people asking for copies of the CCA and that a lot of people have found theirs to be unenforcable. Could someone give us a little help starting the ball rolling with this please. Thanks