sorry for the language but its been THAT sort of day right halifax account, overdraft limit 1350, weve managed to keep it at around 1200ish so only been getting the £1/day charge its a joint account wife got a letter this morning saying the account was at £1352.50 so now getting £5/day charges, looking online it was their overdraft fees pushed it over the limit - weve now got it under the limit wondered why the letter was only addressed to my wife assumed mine was in the post this afternoon got a VERY VERY angry call off my parents - the halifax sent MY letter to my PARENTS address - an address that has NEVER been on this account, hasnt been on any other account for over 7 years this letter gave account number, names, sort code, overdraft limit, current levels EVERYTHING main question is what rights do i have for what is an obvious breach of data protection - i had given my parents the right to open my mail as they were dealing with a diffent issue however i have NEVER given permision to send details of this account to this address and im therefore VERY P****D off as far as the halifax is aware i havent lived at this address for over 7 years whats the best way to tackle it? who do i write to? is their any compensation (im not trying to golddig here but some help on the overdraft would be nice) and most importantly what do i write

Hi I took a loan of £5000 with Halifax 11 years ago(2001). I payed if off on the 24/2/2003. I have found the Personal Loan Agreement paper work and realized that my premium included a all lot of charges that i don' t know what they are. There is a charge for credit for cash loan There is a insurance loan And there is a charge for credit for insurance loan Bring the total charges for credit for total loan to £ 1995.13 Can somebody help me to make sense of it and see if i can claim anything back.? Thank you

Hi I am looking into reclaiming my charges from a Halifax mortgage I had around 6 years ago. I have just received my SAR so only just become aware of them. I have been charged £35 late payment fees £40 broken promise fees £100 for representative vists (dont remember any of these) I take it I can claim all of the above? Also there are numerous fees just listed as 'sundry' does anybody know what these are? Can I claim admin fees? Regards

I have received the attached letter from Robinson Ways 'solicitors' threatening me with possible court action. What letter do I need to send them in reply?

Requested a SAR from Halifax and they have sent me the information but there is no Default Notice or Termination Notice. I have 2 credit reports, which I downloaded online on different occassions which show different Default dates. I have also disputed the information before and Halifax seemed to have gone to mess up with the file following these disputes. At one time they told me there was no Default recorded and later wrote again to me apologising for providing me with misleading information. Currently the debt is with a DCA but the records from the SAR shows the debt has been handled with several DCAs. Should I make a part offer/full and final offer and ask them to remove the Default Notice? Total overdraft debt is in the regoin around £2300 which is made up of interest and bank charges. Any advise would be greatly appreciated.

Hi Just need a bit of advice, I have a debt (originaly IF) that I was payin through Blair Oliver Scott. I have been paying for around 5 years through Payplan, on some of their letters at the start of the year I noticed they had my balance around £400 more than mine and this was the figure payplan were using. they said the had to go by what Blair Oliver was telling them. Anyway acording to my figures im all clear, I sent Blair Oliver a letter saying Account in Dispute and asking for a statement as the figures dont match up. This was May of this year, and I heard nothing at all, not even chasing letters due to the payments stoping. Today I got a letter from Halifax saying Robinson Way are now going to be dealing with it, so I will be expecting a few letters from them shortly. So I just need to know what should I do from here, contact Halifax again or wait and contact Robinson Way? I had always thought your account couldnt be passed on when it was in dispute? Hope someone can help.

I have credit card debts with Halifax/BOS. It seems they have sold these on to Cabot Financial. I have had an agreement with Halifax for long time that interest would be frozen and they accepted nominal monthly payment in line with CCCS recommendation (up to date). I have just received letter from Cabot Financial thanking me for the recent payment BUT, they go on to say "we'll continue to charge interest on your account until we've agreed a repayment plan with you". Can they ignore the agreement with Halifax/BOS and start charging me interest??? I would have thought that when they bought the debt they took over the agreement rewgarding frozen interest and payment that I had in place? Before I write back I'd appreciate any advice on this.

Just received a response from Halifax regarding the PPI claim that was made for my mortgage that was taken out. I was told that I had to take out TMPP or that the mortgage would be refused. The letter that we received was that we had taken out the personal TMPP which contains the Life Cover but apparently we didn't take out the PPI element of it. The letter also mentioned that "This is our final decision". Please could you advise me what my next step should be e.g. taking this to the Financial Ombudsman or accepting that the PPI element wasn't taken out. Thank you.

We're at the end of our mortgage term with a balance of £20K on a property worth a great deal more, probably £300K plus. We've come to the end of our term, we changed from repayment to interest only due to financial problems a few years ago. Funnily enough the term was extended as well without a new agreement being signed. Anyway the Halifax seem to have decided we should pay the remaining capital forthwith, we're on a very low income so unable to pay or apply for a new mortgage, plus credit file is overflowing! So the question is, can we negotiate on the amount of a final payment from my pension lump sum?

Hi All I was wondering if you could help me. I was told to call Halifax to claim being miss sold PPI by a friend who received £3500 by calling Halifax. However I did this and I have received a letter from them stating that they believe I was sold the PPI Insurance fairly as a tick box was ticked on the application form and this must mean the halifax reperesentative explained the situation. I know I have gone about this all wrong , is there a way to salvage this claim? cheers wasp23

My Halifax account, which I have always believed to be unenforceable, has now been sold to 1st Credit who are threatening bankruptcy proceedings. Here is the CCA I got from the Halifax a few years ago. Is this enforceable? Also, what is the likelihood that 1st Credit will have any paperwork from Halifax? Should I CCA them too?

Hi all, I am just new to this site although I have read through many theads previously to get advice. Everyones seems so helpful and knowledgeable and so i am hoping someone can advise me... I have a joint mortgage with my husband, we are currently 5 months in arrears. The mortgage is with Halifax and is interest only. Our mortgage total is 129,000, but in the current economic cimate our house would sell for approxiamately 40,000-50,000, leaving a shortfall of around 80,000. (Northern Ireland) This morning we received a letter from the Halifax saying that legal action will start within 15 business days. We have been expecting this and know we will lose the house. Ideally we would like to hand the keys back to the bank before they take us to court. Does anyone know how much time we have to do this? I am currently living with my sister and my husband is still living at the house. (due to the stress of it all we are going through a bit of a relationship breakdown). A field agent visisted the house and spoke with my husband about 2 months ago but we have heard nothing since. Can anyone advise me on the sequence of events likely to happen from now and offer advice on how to deal with this? any help would be appreciated!

Hi There yesterday morning i received a court claim form from 1st credit, i am literally bricking it. i CCA'd halifax a long time ago who took forever to supply a copy of the agreement then it moved to iqor, then connaught, then 1st credit the last three letters i've written to 1st credit i've asked them to negotiate a settlement or a monthly payment, they've completely ignored me on all three occasions writing back with "pay up in full or else" i earn 950 a month net, do not own a house, a car, or anything of value and have no savings but i do have a relative who would help me out (this relative was actually paid £3000 off the balance a few years ago but despite this the amount claimed is £4500 more than what the balance was back then - approx 8k and its now 12500 with 1st credits interest charges) i've attached the claim form, a copy of the agreement front and back and a copy of the deed of assignment. my view was this; the agreement provided is not an agreement but an application form containing none of the prescribed terms and an unrelated T&C's copy and pasted onto the reverse in an attempt to create something passing off as an acceptable document. every DCA avoided answering my questions and simply said pay up or else. i've not put in any claim for unfair charges, ppi (which looking at the application it would appear i didnt have) etc my question is? how do i defend this properly??? i do not want a CCJ!!!! thanks!!!

It seems I can't yet post links....can add at 10 posts if anyone wants to see them. I have the agreement from 2003 with Halifax Cetelem (pretty much identical to poster N.P's scans in another thread) that has a PPI value listed without stating it is PPI. However, Halifax Cetelem (this is not Halifax Bank), went into liquidation sometime in the past 2 years. Nevertheless, I have seen information that implied they were bought by: BNP Paribas You can see on companiesintheuk they filed for change of address on 8th June 2011. Clicking through that link gives the address: 10 HAREWOOD AVENUE LONDON NW1 6AA That address is currently for BNP Paribas. Additionally, Cetelem is a name used by BNP Paribas for personal finance in a variety of countries (though not the UK) [link removed]. Barclays Partner Services According to poster angelahb in a thread on moneysavingexpert Barclays Partner Services paid out on a a PPI complaint regarding Cetelem. Any advice as to how I can move this forward? At the moment I simply plan to FOS both and see what happens.

Hello Guys, sorry if this is the wrong section but this does look like it deals with default notices. ok i lost my job about 7 months ago and have now exhausted my saving paying off my monthly payments about 2 months ago. I will concentrate on the halifax as I owe them the bulk of all my debts 3K over draft, 7K Loan and 4K on a loan. Now i am ok with the overdraft and credit card but this could change soon. The loan department were the most aggressive in following up my first missed payment hence why i dealt with them first. I agreed to pay them £60 per month(normal £179) until i got a new job which will be in 2 months starting in November and i would resume normal payments and pay back any arrears immediately. Now i thought that was the end of that until i get a letter stating that as i am in 2 months arrears they are going to issue a default in 10 days(elapse in 2 days). Now after a phone call with them they are still going to issue the default notice as i will have missed 3 payments, even though i offered to set up a reschedule there and then. They refused the reschedule as my contract is for 3 years and would not let me reschedule as the repayments would be the roughly the same as pre default over the term. Now maybe i am wrong but i feel i have done everything i could to pay this back, previously never missed any payments ever. I feel that putting me in default is unreasonable, i can assure you that its pointless arguing this as i have tried for 3 days now. In light of this the hulk is coming out in me now and i am looking to the future now. Ok they default me, from my limited knowledge gained from this forum i see it this way. Now that they have defaulted me there is no incentive to pay them back and i should just now tell them to beat it and stop making ANY payments. If i do this then after 6 years the default notice will fall off and the debt will be statutory banned. IS THIS CORRECT, if this is correct what is the advantage in keeping up regular payments and paying this off? Secondly if i have one default i might as well have 3 defaults no difference they will all drop off at once, is this correct. Please do not think i am trying to work the system i was in for 65K debt and have payed of 50K and until i lost my job. Would be grateful for any help. Thanks PS Forgot to add that i am in Scotland so not sure if the same rules apply.

I had a credit card years ago with the halifax, how do I find out what the policy number was and if I have a case? Help would be much appreciated on this one. Does anyone know any good companies or should I try and do this on my own?

Hi, I'm after a bit of advice. My Dad took out a mortgage through Halifax in 1983 and was told that their PPI product was compulsory in order for him to qualify for the mortgage. The mortgage was paid off around 10 years ago. As you can imagine he took out the cover. We both appreciate that some form of PPI would be sensible when taking out a mortgage, but I believe that it should not have been compulsory, and that he should have been offered the opportunity to shop around for the most suitable cover at the best price. Unfortunately Dad shredded all of his old paperwork a couple of years ago. He has contacted Halifax today and was advised by the PPI department that they need the mortgage number. He was then passed onto the mortgage department who could not find any record of his mortgage details. He has however still got a bank account with Halifax. Does anybody have any experience of similar situations? Is it likely that Halifax would have destroyed his mortgage records even though he is still a current customer? I have suggested that he send a SAR anyway ensuring that it states that he requires all information held against him, not limited to the last six years, and also to include any information relating to mortgages. I'm also interested to know if Halifax were likely to have front loaded the premium in the 80's and if they have a bad reputation for PPI? Or were they offering a pretty honest product? If. so then there is less reason to try to reclaim the premiums I look forward to any feedback and am up for the challenge ahead. Thanks, Dan

I contacted Halifax to make a claim for PPI misselling. I have only recently received the forms. Then, in the post, this morning a letter from them rejecting my PPI claim despite the fact I had only phoned and asked for the forms. What do I do now?

This weekend I’ve received a letter from Halifax rejecting a PPI miss-selling claim and I’d appreciate any guidance that can be offered over possible next steps Background to my claim is as follows Personal Loan taken out 12/13 years ago. I know PPI had been applied A SAR to Halifax returned the original agreement only, with no other data/information Submitted the claim, using the FOS Questionnaire and the CAG Single premium PPI spreadsheet My claim essentially stated that (at the time of the sale) Benefits & exclusions were not fully explained Not told it was optional Not told it could be cancelled Not told I could have sought cover elsewhere Not asked about my health or employer benefits Led to believe that PPI would enhance a successful loan application and was pressured to take out the policy to meet sales targets The reasons for rejection basically falls into a number of categories Benefits and exclusions were defined in a policy booklet sent to me at the time of the application I had 30 days to cancel and the agreement and policy booklet defined all of the costs Sales techniques used at the time meant that I wasn’t pressured No alternative products were available at that time Identification of particular needs would only have been taken where it was practical to do so Halifax are satisfied that there was no miss-selling Finally the letter advises I have the option to submit additional information, or otherwise I can take the complaint to FOS Given all of the above, it appears to me that Halifax are not rejecting the claim based on any hard evidence, but more over “what would have happened at that time”, therefore my interpretation of this is that it becomes a dispute over my word against theirs and therefore it will difficult to force a change in this viewpoint. Is there any guidance that can be offered about where I can go with this, or am I at the end of the road? I’ve got initial views, but would welcome any alternative views before I make any further decisions on this TIA

Hey Everybody I've been lurking on this wonderful forum for a couple of months now reading up on as much as possible whilst familiarising myself with knowledge through the conversatoins being carried out here - phew. I'm kinda stuck now but here's where I'm at: I sent my SAR's letter mid December and received all my statements first week in January. I'm now in the middle of completing Mindzai's easy-to-follow spreadsheet and looking to claim contractual compound interest at 29.84%. I have a Royalties Premier account. I selected Minzai's contractual daily rate sheet as the correct spreadsheet for this but after having completed all cells, the calculations are telling me for the period from May 2004 until present charged at an interest daily rate of 0.07% (29.84% annually): Total Penalty Amount Total Compound Interest £1917 £719 Total Combined charge and interest £2,636 Is this right as it seems a little low in comparision to other people's calculations for contractual compound interest even though I'm only claiming for just over 2 and a half years. Could one of you lovely maestros of Mind's spreadsheet let me know if i'm on the right track!!! Also, the column that says Date Of Interest, do I insert the date the Interest charge was Withdrawn or do I insert the period of the date the Interest relates to: ie. INT TO 21 APR A/C £10.94 7 May 2004 (do I insert the date as 21 April OR 7 May???) Finally, the cell that says SCHEDULE OF CLAIM FOR CHARGES: FROM: is this supposed to be blank as I thought it would have automatically put the date of my very first charge or does it only do this if you complete the Charges & Interest spreadsheet? Sorry to ask such spastic questions but I promise, I have read through the FAQ's and pretty much all threads under RBOS for more info on filling out these spreadsheets but couldn't see anything relating. Thanks in anticiaption for your help! LOVE YOU GUYS AND GOOD LUCK!!!!!

I phoned Halifax about 3 weeks ago and complained that I had been miss sold PPI ( to be honest I did not know if I had it because I had thrown paperwork out because it was from 1997 to 2006). I received a letter about 2 weeks ago saying they were looking into it. I have received a letter today ( confirming I dis have it) but they have rejected my claim under 'Optionality' and it says the following: I can confirm that it has never been a requirement to take out a PPI policy in order for a mortgage application to be accepted. In addition, taking out PPI would not have improved the chances of your mortgage application being successful. I am also aware that the mortgage application form clearly demonstrated to you that your PPI was optional and I have concluded that the adviser did not miss-lead you in anyway ( how do they know this if they were not present and I bet the adviser was on commission). They say in the letter that during the original phone call I said I was not given an option as the reason. They have not rang me to ask any questions or sent a questionnaire out, so I do not know how they could have investigated this. They say if I disagree I can ring them or write to the or refer to the FOS. So I did not know I had this, I have checked bank statement and no payments to Halifax other than mortgage payment, so can only assume it was built in the payment or added to mortgage. How could I find this out? At the time this was taken out I was in full time employment and entitled to 6 months full pay and 6 months half pay, as well as 15 years redundancy. furthermore, about a year before I was miss sold this I had been medically retired from my manual job due to back problems. I was fortunate to be given a white collar job and received a pension, which was enough to pay the mortgage payments if I had of lost my job Any help would be appreciated as I am more annoyed that I have been paying for something I did not know I had or needed.

I made a PPI claim on a Halifax Credit card Using the spreadsheet FOSRunningPPIv101.xls I entered all statements and got totals of: PPI Payments = £2316.02 Compound Interest = 6263.15 8% Simple interest = 1634.30 TOTAL = £10,213.47 Halifax accepted the claim, but the offer is this: PPI Payments = £2316.02 Compound Interest = 0.00 8% Simple interest = 895.60 TOTAL = £3,211.62 What would cause the compound interest to be zero, is there something I have done wrong? I will attached the spreadsheet with personal details removed. FosRunningPPI v101.xls

1st crud are buying 100s of Debts about to or if not already Statute Barred, Notice of Assignments are all dated 31st July 2012 and their Legal threat O gram,s are all dated 22 days after assignment. 1st Crud can be very Litigious so beware!!

First Credit allege that they have bought from Halifax a number of accounts and debts. Has anyone else got a letter from First credit?

Hello again CAG. I have been contemplating writing on here for some time with regards to this issue, and today decided I should after doing some more research. In 2005 I attended University, leaving full time employment in the Royal Navy. I was lied to by Halifax who said they would be able to do something with a credit card and personal loan accounts that I held, that had been ran perfectly with no late payments and an excellent credit history. With payments of roughly £350/Month at the time, it was not plausible to maintain this commitment once at University but had been advised that "once I was at university, something could be done". Unfortunately this communication took place over the telephone, and I assumed that they were being honest - which was incorrect, because once at university their advice was "We cannot look to assist you with reducing your monthly payments until your account has defaulted." (I actually find this amusing now, being a little more mature). Their advice to me at that point (Autumn 2005) was to allow my accounts to default. That's exactly what I did. I was still using two Halifax current accounts simultaneously to this, and they froze the accounts and took my money, and began eating my overdraft to make payments towards the loan/CC. This was a terrible situation at the time (late 2005) as this left me with absolutely no money and nowhere to turn. I opened an account with Barclays and practically told Halifax that they can get stuffed, as they nearly ruined everything for me. Once "defaulted" I contacted Halifax and they said that, now the accounts were defaulted (Early 2006), that I can make an arrangement to pay. In my frustration with them, I did this at £1 or so per month - and they accepted. This continued until some point in 2007. I obtained a copy of my credit report from Experian in 2007, and learnt that I had been lied to again - the accounts had not defaulted as I had been "advised" but in fact just late. My credit report shows late payments from 2005 onwards, of 3 months every single month until they default much later on. The result of this is that we (my wife and I) and now unable to obtain a mortgage, or even a clean credit history, because Halifax have continued this debt and not defaulted on it, as they should have done. Defaults were actually registered very late on: 06/12/07 - Bank Account - £1352 - Still Shows "Halifax" 17/09/08 - Bank Account - £936 - Still Shows "Halifax" 23/08/07 - Personal Loan - £6450 - Shows "Arrow Global" However, the Credit Card has totally disappeared, so it is likely that the CC default was applied much earlier - which is when the others should have been registered. I wrote to Halifax at the start of this year, questioning the "default" status that I was advised in 2006. They wrote back and said that, while they agree that the terminology "default" was used, this was an internal status, and by my making an arrangement to pay, the account never defaulted until this was stopped. They apologised for this, and said that the default dates will stand. Another blow from Halifax. No comment on their advice to actually default in the first place etc. I just wanted to see what peoples thoughts are here - as this seems somewhat unfair and extremely bad practise. I've really been messed around by Halifax since 2005 when this all started, but this means that my credit file is shot until 17/09/2014 - for three accounts that should have defaulted in early 2006, and already be statute barred. Please feel free to comment. Many Thanks