This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

I have received a letter from Iqor this morning for a Halifax credit card debt, it was previously with Wescot. I requested a CCA agreement from Halifax in November 2007, I am still waiting for acknowledgment of the requests and the agreement itself. The letter was sent by recorded delivery which I still have so they cannot say they didn't receive it, but seeing as the credit card was taken out in 1997 the chances of them having it are very slim. Anyway I completely ignored Wesot and didn't deal with them at all. I take it the best thing to do with this company is exactly the same? Just ignore it and after 3 letters it will be sold on again in 6 months?

Brilliant thanks

Is there anyway I can get the default removed as this was filed after the request for the credit agreement? Or should it just be left?

Thanks for this, I didn't think of that I can see this turning into one of those incredibly long threads Thank you for the letter too

Another update BOS have sold the debt onto Robinson Way and company limited. So, do I need to send them a request for a copy of the signed credit agreement or is it a different letter? I have feeling this debt is going to do the rounds now, one of those things that now one wants because they can't do anything with it. Thanks in advance

Ok i will get this sent off to them, thanks. Do I need to include payment for this the same as a CCA request or a SAR?

So am I ok then to send this other letter? If so do I also have to include the £1 postal order fee? Thanks for the reply EDIT just re read the leter and it states "I have requested a copy of the original signed application form from the relevant department. You will receive this shortly under seperate cover" Does this mean it will be the one I signed? I sent them a SAR last November at the same times as this and they didn't produce it with the documents, so I would imagine they haven't got it?

Quick update I have received a letter from Halifax stating they filed a default on 8 June 09. They also included 2 separate terms and conditions, one old, one new revised, many pages long in each, but absolutely nothing with a signature. I have not received anything with a signature on it and also they did not send me a notice of intent for filing the default. So, can anyone tell me where I go from here now please? I was under the impression that they cannot file a default without a signed copy of an agreement or sending out a pre default notice?

So many brilliant letters on this site, I do like the tone of this one . Thanks for everyone's help. I will get the letter sent off today now and I will up date when i hear back from them, or if I do. Many thanks to both of you, you stopped the worry taking hold :grin:

No old adress, i've lived here since 1981 :o

I'm not sure, she said that after no payments for 6 months they default the account and send it to them. She also said 2 other letters have been sent out, one in June and one earlier in July, I didn't receive them.

Thanks for this. I am correct is thinking I do not have to pay to a debt that is in dispute? Or is she correct when she say I legally have to still keep paying until it cannot be enforced? Also will I be able to get the default removed which they have filed, without notifying me of course by letter, she told me on the phone?