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Richard Durkin has won his appeal – HFC liable for damages for breach of duty and trashing his credit rating (but the court can’t re-award the original damages). So lenders had better beware when falsely recording defaults with the CRAs and crapping on people’s financial reputations. Well done Richard. http://www.bbc.co.uk/news/uk-scotland-north-east-orkney-shetland-26731192 There are lost of implications from this judgment (which existed before his original win was reversed on appeal) which I’m sure will filter out over the next few days. s75.1 of the CCA is now much
Hello all, To get to the point I'd actually like advice on, I'll have to run through the story so far, I'll try to be as brief as possible. Around 2-3 years ago I ran into financial difficulties and began struggling to pay the minimum amount on my Amazon credit card (administered by Halifax). It didn't take long before it was referred to a DCA but, as my situation hadn't improved, I was unable to pay the amount they were requesting. After several threats of court action but none taken, I became suspicious that the debt may be unenforceable, so I sent a CCA request. At first