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About Me


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  1. Hello, Sorry if this is long winded, I will try to be as brief as I can. I am having issues with Halifax regarding an Ultimate Reward current account that I had. In January 2014 I moved to another country to live, work & travel. I kept the account open as I may have needed to use it, and I did not know how long I would be away. Also initially I did have some money left in it. I didn't inform the bank as I knew I would have no fixed address due to always being on the move. I know I should have informed them now. The account at some point went over it's £100 arranged overdraft limit by £1, charges were added which went up to over £200. By the time I returned 6/7 months later the account had missed payments and had been defaulted. The bank have recently said that the account was closed 3 days after it was defaulted. I arrived back 3 days after this. I do not think I was aware it had been closed, I believe I used it when I returned and even gave the details to my new employer. I remember being able to see the account online, with the amount over £200 still owed. The day I expected to be paid I logged in and the account was no longer visible. I called them up and it had been closed. I asked what happened to my money and they said they could transfer it and I would need to open a new account. I did this and gave the details of the new account with them, they said it would be transferred ASAP. 2 weeks passed and I had still not received the money, I called and complained. I was told by recoveries or collections (can't remember) that it had been processed incorrectly and sent to different account details, this was their fault not mine. At some point I was given £50 compo into my account for this. Several days later the wages were transferred minus the outstanding overdraft, looking back it was transferred twice from different sources. Fast forward to present day. I have been looking at my credit reports and decided to enquire about the default/closed account. I called, and was passed around departments before being passed to recoveries/collections. The guy totally ignored my enquiries into what actually caused the account to be overdrawn and the subsequent default. He did bring up a double payment into the account and said I now had an outstanding balance of over £2k. I asked him to substantiate this, he just said it was owed. I said the account was closed in 2014, how can it now have a balance? Why have I received not notification or communication of this? He said I owed it and ended the call, he gave no information. Not even a demand or request for me to pay. When quizzed he said it would not appear on my credit reports but would always be outstanding with Halifax. A few days later I was called by someone from Customer Services for Lloyds banking group, we discussed the situation and she said she would remove the Default. Made no real explanation into why. She gave me £50 compo which I, perhaps foolishly accepted. 3 hours later she called back, she said she made a mistake and there was over 2k remaining balance on the account, she said she would still remove the default and could I pay the balance back. For her mistake she offered another £50, again I accepted. During these calls she was incredibly helpful and obliging, in hindsight maybe overly helpful. Later that day I made a payment of 1/3 of the balance. Perhaps this was a foolish move. The next day the default was off!!! Now the missed payments, the original c.£200 overdraft outstanding, and the account itself all showed up from Dec 17 to October 17. I now have loads of recent, red adverse marks on all 3 credit reports, the account is now showing as active and has moved to my open accounts section. 1 report now also lists a solitary missed payment and arrangement to pay over a 4 month period in 2015 when the account was well and truly closed. There are also warnings on both Experian and Equifax saying 0 months since last serious payment problem. This has had a very negative affect on my credit scores (I know the score is not important) and the overall condition of my reports are all now messed up by issues on this account. I tried for days to get intouch with the agent, she had given me her extension number. Eventually she called me back, I was now recording my calls. Her tone was totally different, she was quite rude, abrasive and had started accusing me of being deceitful. She said that I was mistaken about our agreement, she said the default would be coming off only once I had paid the outstanding balance in full (It's still currently off). At one point she said "can you give the phone to someone else so I can explain it to them, as you are not getting it". This was because I said the original default can't be used to force me to repay money that they transferred by mistake twice. She threatened to replace the default and if I didn't like it I should complain to the FOS. She informed me that the markers were correct and showed the account before it defaulted in 2014. They would come off once I had paid the remaining balance. I tried to explain they were now for 2017, she didn't listen. At a point that I was totally calm she said I needed to calm down. She became irate and then said I had really upset her. She also asked why I was addressing her as if she was responsible. She actually said in previous calls that she was in a senior department, could make any and all decisions and would be my single point of contact. I explained that I was addressing her as a representative of her company, not an individual. After the rollercoaster call I was honestly shocked to the point of laughter. I emailed her screenshots of credit reports relating to the new markers in 2017. I received a call today from the same agent, much calmer this time. She had looked at the screenshots, claimed they were correct and I was mistaken. They are apparently for 2014 and will be removed once I have paid. My main concerns and enquiries are as follows: -I was £1 overdrawn, hit with numerous charges, then defaulted and account closed. The £1 itself may actually be due to a charge or fee for using abroad. Is this fair/allowed? -They closed my account, I believe without notification and allowed me to use it before they did but after the default date. Did they allow this just so I would settle the c.£200 overdraft of charges? -They made a mistake and transferred the money to either someone else or a non-existent account. -Then they credited me twice. Never have informed me or notified me. To be fair i didn't notice or notify them at the time, I had various amounts going in from various sources that month and it was nearing payday again. -Agreed to remove and have removed default. -Effectively opened a closed account with CRA's, reported recent missed payments/arreas and have listed the account as active. -Are Demanding payment/refund for their mistake immediately or will continue to list recent adverse markers. -Threatened to replace old default at any time. I have requested my old statements and will likely send a SAR in the next few days to see what the charges are. I want this dealt with but feel they may just replace or add a default. In the meantime my credit reports have all been adversely. I feel Halifax have made many mistakes and are acting unfairly. Can anyone advise on how I should proceed? Thanks so much, I know this is a very long post but needed to explain in its entirety.
  2. Hi I am pretty new here (in fact, totally new) as I have never had a reason to write on a forum before. However I need some help with EON and an account they have opened in my name. A bit of background; about a month ago I got a call from a local authority saying they needed to talk to me about a council tax bill. I called them back and it was for a property I moved out of in November 2011. I queried the bill saying I had informed them I had moved out but the very nice lady told me that in June 2012 the landlord had written to the LA to tell them I was responsible for the bill up until September 2012. I had previously lived in the property from Dec 2004 - April 2010 and then in August 2011 moved back in. As I had known the landlord for many years I signed up for 12 months but after a week or so of moving back in our relationship detoriated very quickly. He did not provide me with the details of who was keep my deposit safe, he was not fixing things that were wrong in the property (including the wired in fire alarms) and in September we agreed to go our seperate ways. I told him I needed a couple of weeks to get things sorted so agreed to keep the property to November 2011 and then hand it back. The 1st November came and went and I handed the keys back; told the LA, Electricity, Phone etc. Whoever has moved in has obviously not paid the council tax and the landlord must only have my details so sent a copy of the 12 month tenancy agreement to the council. Kindly the council agreed with me and wrote the landlord stating he had 14 days to prove that he had received rent payments from me since October 2011 or he would be liable. This deadline has passed and I am not responsbile for the bill. As for EON, I applied for a mortgage with my partner and we were turned down. The underwriter told us it was an oustanding electricity bill that is more than six payments behind. Quickly I logged onto Equifax and sure enough there is an account, opened in June 2012 (same time as the council tax) for the supply. A quick call to EON and they confirmed that the landlord had sent them a copy of the tenancy agreement for showing I still lived there until September 2012; despite me telling them (and indeed paying) my final bill in November 2011. They have asked me to prove I was not living there, which I can do via council tax bills, utilities, etc that clearly show I was responsbile for another property from mid-September 2011. Can they just do this? Will it affect my credit rating? By mutal agreement we ended the tenancy early and it would now seem that since June 2012 the landlord has been using my details to make me responsible for debts which I was not responsbile for; how do I stop this being the case? Strangly someone has been paying the bill off (all be it sporadically and slowly) but it has left me feeling very confused. I probably should contact the water board thinking about it!
  3. Hi, I had a Cap One card for a few years, got into difficulty and have since been at war with them trying to recover the debt. I'm not sure how enforceable the debt is ? I CCA'd them 16th July 2009, they replied with a blank agreement on the 23rd July 2009. I then sent them a 'failed to respond to my legal request' letter on the 28th August 09 and they came back with a 'true' copy of what they say is the executed agreement but is actually the Application Form with my signature on it. I then wrote on the 30th September 09 again asking for a copy of the credit agreement which bears my signature and never received a response. They passed the debt to Fredrickson International on 16/10/09 and I have been paying them £20 per month since that time, only because I'm totally unsure of where I stand on this! Any advice would be great - thanks
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