thanks dx100uk, is there ay template I can use?

no letter at all only a phone call.

as a responsible lender, if a customer makes a proposal and you don't agree with it, you need to tell the customer, the letter was sent recorded delivery and luckly foe me I have a copy of the receipt and the original letter which was sent. In any case, they were suppose to sent me a default notice which they didn't not,

if the person did not have the authorisation, why then did Halifax employ him to speak to me to claim the money? I believe that once there is an proposed arrangement in place, they should not place a default on my profile, that may be a clear breach of the lending code

well agreement was reached on phone but followed it up with a letter just to confirm the proposed arrangement and to get their confirmation as well for the records.

hello All, I am new to this forum but hope that I will get the required advice do deal with Halifax. I had an account with Halifax with an overdraft facility of £1000 which I have used, I had then finish university had no regular income coming into the account; Since no income was coming into the account, Halifax called me asking for the overdraft to be paid in full or they will close the account down. the first time the call demanding the money was in September 2010, during the conversation I promised to make full payment first week in November 2010 and then followed it up with a letter telling them the same confirming the conversation asking Halifax to confirm their happiness with the proposed payment terms. in the absence of no reply from Halifax, the money was paid in full on 1st November 2010. Just recently I obtained my credit profile information from Experian and realised that Halifax had recorded a default against me on 20th October 2010 just two weeks before I paid in full despite sending them a letter of proposed date of payment. On 14th November 2013, I wrote a letter to Halifax to remove the default from my profile as it is not a true reflection of how I have managed my finances so far as the overdraft is concerned; Halifax then replied by saying they are right to default me as I have not made payment within the time frame they gave and apologising for mistakenly applying charges to my account in excess of £125 and that to make up for it, they are given me £75 pounds for the inconveniences caused. can Halifax default me even though I gave them a proposed payment date and can I sue them for mistakenly applying charges to my account. please help