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.

Hi all I went into my local branch yesterday and now have account numbers and RINI numbers ( PPI) for a loan, credit card and mortgage. Could some nice person please post an up to date SAR letter that I can send to Halifax. There's one on here from 2006 is that still ok to use? I would also like the correct address please. The lady I spoke to in the branch gave me a number to call but I would like to see the information for myself also she had never heard of a SAR

I have a Halifax One Credit card, the balance of which has been around £2400 for a year now, with me paying around £40 regularly, but not paying off any debt. I missed the payment by a week last time for the first time, but paid the amount, £38 a week late. now I have incurred a £12 late payment charge in addition to my monthly interest. This is the first such charge on my account. If people believe these charges are illegal, can I simply pay my next payment without the £12 charge and let the bank know I dispute the charge? Or should I pay it anyway and then argue about it? I have had this credit card since about 2010, and although I sent off CCA request today, I think it is likely the bank has all the documentation in order for a card that is relatively recent. If I stop servicing this old debt, how high can the bank take the balance? Eg the £2400 already includes mainly intereset, and if I don't pay can they add interest until its £10K and more, or do they have to move it to a DCA and stop increasing the balance at some point?

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.

Hi CAG, Hope I can get your advice on this matter before responding to a recent letter I received from Cabot. I have a credit card debt which was approx. 3,500 with Halifax. In 2008 I sent them a letter offering £2.00 a month which they wouldn't agree to so I paid £2.00 a month anyway. For a while they continued adding interest to the account and subsequently that debt is now almost £5,000. Last week I received a letter from Cabot with a letter from Halifax attached confirming that they have sold the debt to Cabot and asking me to complete a direct debit form. I would appreciate your advice on how I should approach this, can I get the interest removed? Many thanks in advance. tammi

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, Sent a SAR to HBOS for mortgage details as I'm sure we had PPI and were forced to take their very expensive House Insurance in order to have mortgage accepted. Today they sent me a copy of loan agreement and statement for a loan I took in 2001. Nice suprise and had forgotten alol about this one! First question, which spreadsheet should I use as the loan hyas a small rebate halfway through so am unsure how to work out claim Second question, the letter says this is ALL available info they hold and are required by law to send. The mortgage was joint so maybe that's why although saying that this loan they have so kindly told me about is joint also! I also have a few bank accounts with them and 3 kids accounts in my name. No mention of these either but too be honest I'm not bothered about bank stuff as I have all statements anyway and it would probably need a truck to deliver that info! They don't know this though as I didn't say I didn't want it on SAR I said I wanted ALL DATA. My mortgage would have started end of 99 or early 2000 and ended in mid 2003 but surely they still have some records? Any suggestions and a point in direction of spreadsheet and how to work out calcs for loan would be very much appreciated. Thank very much in advance

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!

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.

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!!!

Hi everyone, I'm new on here as a member, but have browsed this site for a long time.. in fact this particular debt had "gone away" due to letters I had previously sent from researching here, but has now resurfaced and I just want to check I'm in my right to go down a certain route with it. So, some background. I had a credit card with Halifax from 2004 to 2008. The non-payments happened as a result of a silly career choice in going self-employed and if I didn't make sales I didn't earn so I started having difficulty making payments from early 2007 onwards and the late charges (£35 a pop) in those days soon started to stack up. Pretty much all of 2007 I was paying the account at least a month overdue so getting charged each time. The default is listed as mid July 2008 so I fell totally behind early 2008. The total balance ended up over a grand higher than the card limit - all due to penalty charges. I was aware how serious the situation was so I was writing to Halifax to stop charging me interest, and I wrote them at least 5 letters, however I was getting no response and I now have no record of the letters! Pretty soon after it defaulted it went to a DCA and we were discussing repayment plans etc and I paid them £10 a month for two months in late 2008, and that's when I managed to fend them off with a dispute over charges letter because I think around the time there was that whole issue about charges being punitive and excessive and it all went really quiet. I stopped the £10 payments. Then it got passed to another DCA, and then they closed it and passed it back to Halifax after they sent me the "you will not receive any more correspondence from us on this matter" letter (I was resending the same letter about charges!) and this repeatedly happened with 3 or 4 DCAs. Plus I'm pretty sure I was doing CCA requests which they couldn't provide but I'm a bit hazy on that. Then radio silence for a couple of years, and now I have just received this letter on Halifax headed paper: "Your account with HBOS PLC with a balance due for payment of £X was sold to Lowell Portfolio l Ltd by us on the X August 2012 and this letter is give you notice of the assignment of the debt. We have not been made aware of any reason why the debt should not be paid and as Lowell Portfolio l Ltd are now the legal owners of the debt any payments you make should be made to them and not to us or any of our previously appointed agents. If you have any query, want to discuss the debt or repay what you are contractually obliged to please call the number below. Any further communications and payments must be addressed to Lowell Portfolio l Ltd at: Enterprise House 1 Apex View Leeds LS11 9BH Telephone: 0844 844 4716 Yours sincerely, (digitised signature Craig Ballantine) Craig Ballantine Manager Collections & Recoveries" The letter is accompanied by an intro letter from Lowell, basically detailing the amount I owe and what the phone number is to call (yeah ok!) etc. I've noticed as well that Lowell have put a duplicate default on my credit file, so my total debt appears double what it was. This default was the only glitch on my credit rating and now it looks twice as bad! Thankfully the date has remained the same but even so! I have been in contact with Equifax and Noddle (and I guess I will have to re-activate the £15 a month to Experian to get them to talk to me) about contacting Halifax to remove the first default. I was thinking to try and get the first default removed, then work on Lowell. Can I ignore Lowell just now until I get somewhere with getting the original default removed, as per ICO guidelines? Equifax responded with : "Thanks for getting in touch. Your unique tracking number for this query is X. In order to resolve this query, we've contacted the company to examine their data. This process can take up to 21 days, but as soon as we've got an update, we'll let you know." What's Lowell's next move? What do you guys think my next move should be? What's changed if anything in the last couple of years? Surely Lowell have wised up a bit? Halifax saying they "know no reason why I shouldn't pay it" is tosh - several DCA's tried and failed and always passed it back to them. My ultimate goal is to play this so cleverly that I have Halifax remove the 1st default then go at Lowell's with something that makes them remove theirs... but am I dreaming? LOL.. if it does all go a bit pearshaped, given that the debt is £2k ish what do you think I can get away with offering Lowell in F&F with removal of the default? Appreciate your help.

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?

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 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.

Hi All I took out a Halifax Clarity Card as it often appears in moneysaving expert top picks for using abroad. Every holiday, I took my card and withdrew cash, repaying on return. I must say that the product is excellent and the rates and exchange rate are great. In January, I did a big trip and took over £1000 over ten days. Halifax dropped my credit limit to just above my balance. They wouldn't tell me why and eventually my credit limit was restored to a third of what it was. They did this on the last day of my trip and I was just lucky I didn't need any more cash. In April, I was again on holiday in the UK and withdrew cash. They dropped my limit. They were quicker at restoring it this time but again it was to the lower level. I spoke to a friend who works in the industry and they immediately stated 'That will be your Delphi score'. Apparently, there is a computer algorithm built into credit scoring that works out your likelyhood to default and one of the risk indicators is choosing to withdraw cash from a credit card. I contacted the Ombudsman and OFT. I highlighted that removing cash - fee free and at their best exchange rate was surely a benefit of the card and I did not see why I should be penalised fo this. The Ombudsman was useless, stating that it was part of credit scoring so they could not comment. The OFT stated that they did not deal with individual cases. My friend also told me that it would affect not just my profile with Halifax, but with everyone. I then applied for a number of financial products to compare the rates I got compared to last year. I would add that my financial peosition is stronger this year, with no other adverse information and reducing loan balance paid on time. Last year I was offered 0.3% BELOW Tesco's headline rate, this year I got offered 9.9% when the rates were 6.1%. Sainsbury's 9.9% compared to 6.4%. Zopa accepted for a loan, this year declined. I have noddle for accessing my credit report and I noted that theit guidemark score of me went from 5/5 to 3/5. I suggested to Halifax that they might want to consider reporting the product on credit files as a revolving loan to avoid this problem. They weren't interested, although they did acknowledge that it was likely that their computer kept lowering my limit because I was removing cash from the card, calling this an unexpected side effect. They also suggested that I don't remove cash, but were unable to say why they made it a benefit of the card but did not tell customers that it would ruin their credit score. As there is no charge for cash withdrawals and it is at the same interest rate, the card is clearly making withdrawals on a close par to transactions (minus the interest free period). I write all this as the OFT will look into it if it has affected more than just me. Maybe you have had a similar experience? If so please contact the OFT and Ombudsman to try and get this unfair practice changed. Thanks Saru

Hello guys and dolls, I have recently joined C.A.G. and not sure if I have bitten off more than I can chew in such a short space of time. Big apologies if I have flooded the forums with my umpteen questions but I would really appreciate some assistance as I do have a " few issues ". Any advice on these through my various posts would be gratefully received. PM's also welcome. This post concerns PPI on a Halifax Credit Card. Hope you can help. Sent SAR to Halifax July 18 2012. First mistake.... Only requested information to a specific account number. Wet behind the ears and not subscribed to CAG at the time. Nice slab of paper received 3 weeks later detailing copy statements dating back to the account start date. This was 10 June 2004, of which they also sent me ,albeit a copy, the Original CCA. From what I have read on the various threads, this is unusual but welcome. I wrote to Halifax thanking them for the documents I received. I also said.. " However, I request ALL information you hold on me about ALL accounts and that the £10 fee you have already cashed would cover your fee for this service " Just thought I would try.. Still waiting for their reply but have enough info to press on I think. The CCA (credit card application) Employment value states I was a Labourer - Construction Industry. Gross Annual Income: £ 16000 I cannot remember giving an employer name or contact detail. Would that be shown on my application or another piece of data they may be witholding? To my recollection I was self-employed. What bearing would that have should I have needed to make a claim? The Credit Card Protection Cover box was " auto-crossed ". The Card Care box was NOT auto-crossed but they STILL charged me the annual fee. As I have previously stated, I am in posession of all my statements for the duration of the account. Thanks Halifax. I have a few questions I would really like the answers to before I send off the documents to prevent me making a fool of myself. 1. The FOS Questionnaire. I don't recall any events about the sale. Does that matter? Will it affect my claim? I was self employed. Is that all I have to say or do I have to go into more detail why I think the PPI was mis-sold. I only have the credit card account number, not the PPI account details. Is that sufficient? 2. When calculating the interest for the PPI, what spreadsheet is the best to use? Is PPI the same as Credit Card claims? As in Compounded Interest? What interest rate would be charged? 3. Is there a Cover Letter template to use? Many thanks to you all for your advice. Vaz

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!!

I was wondering if someone can help. I obtained a personal loan from the Halifax and and I have calculated that they owe me in the region of £5,000 as a payment protection refund. I obtained my loan from a broker and the broker in question stated that Halifax will give me the loan on the condition that I took out payment protection. I was self employed at the time so on reflection the payment protection was of no use to me anyway. I contacted them in writing and asked for a refund but they informed me that as the loan was arranged by a broker there was nothing they could do as it wasn't obtained from them direct. I disagree with this and I don't know what course of action to take next, can anyone help? thanks

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

Hi all thanks in advance for any help this forum is really helping me wish i had found it years ago. I have attatched the cca i requested a long time ago and a letter rejecting my charges refund claim from a year or so ago. At the time i was in a very very bad place and couldnt be bothered to chase it up (silly i know). Anyway i look any advice on whether i can still claim the £328.75 (including interest) from start of opening of this account, also silly as this sounds the agreement doesnt look very clear to me? (i am nothing like an expert though) The current situation is i am paying a £1 per month to them as with most of my other creditors. thanks in advance

Hi, I currently have a credit card with the Haifax. In the past I also had a current account(opened around 2002) closed in 2009, and a loan (got around 2004 and has been paid off in full) with them. I don't have any details about the current account or the loan, so just wondering if I send them a SAR will they send me any information on these two things too? As far as I'm aware I didn't have PPI on the loan but I'd like to know for sure! Also would I have to send £10.00 for each one? Thanks Thriftyloz