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I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?
This morning had letter, can't scan so will precis. 1 No copy of CC agreement due to age. Should I contact Hillys and argue, not sent thm a CCA yet? 2a. Letters sent and received. Copies of standard letters they can send. Credit Operations Department doesn't keep letters in or out. 2b Branch network no longer retains any filing, this includes letters from customer. If there are certain letters let them know to which department and date. 3. redacted information is internal action and colleagues names which is mnot personal information. 4 Says my SAR letter from library doesn't mention manual intervention but we do not hold any personal data relating to manual intervention as such: however when decisions are made to return for lack of funds staff time and effort is required. 5 Telephone conversations. Can only provide them if I provide dates. Thoughts please?