So you would recommend writing rather than telephone. I know I shouldn't telephone a DCA but is a bank different. If be happy to pay it off in 3 payments like suggested earlier. Should I ask about charges before making a offer. I really am green as grass with this for all I have read other threads. Kind regards.

There is not a penny gone on since April, and i have not made any sort of contact with anyone. So at least it isn't going up. And in the absence if letters I know the DCAs letters only request the balance and they haven't charged anything. I don't know if this points to wether they are acting on behalf of halifax or not.

Ok. Thanks. If that's the case ill proceed with requesting the proof of debt etc. ( not sure the term ).

Ok thanks. When the next letter arrives from the DCA ill look for that for definite. If they state they are in contact on behalf of the halifax ill get in touch with halifax. The card and payment option has disappeared from my online banking I know. What will it say if they are not on behalf of halifax ?

I can't actually find 1 at the minute but I'm 90% certain they are along those lines. We have been instructed by our client Halifax. Along with someone may visit your home , urgent etc. I could be wrong though.

Hi, In my CRA file it doesn't mention anyone but halifax. There's no mention of any DCAs I've had a offer of a discounted settlement from the DCA though. I've never spoken to a DCA And wouldn't. As for peneltys , I certainly didn't overspend on the card. Not a penny , but foolishly ignored it untill this point and balance. Regards.

I thought 'we' lost the bank charges thing and all the reclaiming if them stopped. I will have a read up about it. Thanks.

I'm not really bothered about the ppi thing to be honest. Just want this remedied. Will halifax speak to me or is debt sold now. And if so will they want the amount in full or something closer to the £1450 which I owed. And wave part of the £1450 in charges.

I had a joint account with my ex and when we split up I opened my own with the same bank. The account they gave me came with a cc. This is 10 years ago but I remember saying I don't want it. She said don't use it or cut it up but this account comes with it there's nothing I can do. Can't remember if I took ppi but I've tended to as standard. Even though I've always worked.

Thanks , It's twice my limit in charges and interest. They used to take the minimum payment out every month from my bank , but took it out a month late so i was always a month behind but they were taking the payment. Then they just stopped The ppi thing. I've always took out ppi as I've always thought I've more chance if being approved if I do. I've not had a day off work since I left school 22 years ago so never used it but I'm under the impression I couldn't claim on something I've defaulted on. Will the halifax talk to me now it has been passed to a DCA ? They no longer send me any correspondence so thought they had washed there hands of it. Regards.

Hi, I'm new here but we all were once right. My situation is , I want a mortgage , a right to buy mortgage. Our house is valued at 85000 but because value was put on by work we done ourselves the local authority could only value it at 70,000. Now with my discount we can get it for 40,000 so quite a bit of equity in it already. Thing is our mortgage advisor said with a default on my file we've no chance if a mortgage. I've a default on a halifax CC in April 2012 for £2900. Limit was £1450. I didn't want the bloody thing in the 1st place and told them but they said it came with the current account and to just not use it if I didn't want too. My equifax report shows 5 accounts , mobile ( never missed a payment) 15 months. Current account ( no overdraft) a settled loan. A credit card ( vanquis) no missed payments 3 months old. And this defaulted halifax cc. Now this card is with a DCA but I've decided it's time to man up and get this sorted out as my credit score is only going south no matter how many 'green boxes' I have on my credit report. If I arrange to make payments with the DCA will this show on my report and consequently see my rating go up. Thanks in anticipation. Strikerafc77