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halifax default credit agreements**WON**


postggj
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the bank on the phone said all negative info would be removed,closed account 2005 ,heard nothing since 2005

 

....and they have not done this.

You need to write to someone very high up at the bank (I do not know who would be good but will have a hunt).

I think that you need to exhaust all channels with the bank before you go down the court route.

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This is the trouble with financial companies, they will promise all sorts of things over the phone and then pretend that it didnt happen, even in your case of having a taped recording as proof!!!!

Everything needs to be in writing, both from you, and from them.

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i look out for your recomendations, thanks. this has been going on with the bank for four months which is unexceptable

 

AGREED!! It has been going on too long, and it is not acceptable. I would argue that it is longer than four months, you are going back to 2005!!!

Still looking for info re complaining for you

Red

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through a bank error in 2005 full payment was not credited to my account. after three monts bank admitted fault and said all negative info would be deleated. i then closed account. roll on june 2007. checking my credit file ref welcome a default was issued by hsbos 2005.

 

Which bank made the error in the first place, was it HBOS?

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Postggj, why dont you try sending a complaint letter/e-mail today to HBOS from the link that I have posted above?!

You can quote in your letter that you have them on file saying that they will remove default, and they have not.

It may save you going through court, and IMO worth a try.

Let me know how you get on

Red

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received a final response from halifax today. take it i am mad. they have refused to remove the default. there reasons are as follows.

THEY DO NOT HAVE TO SEND OUT A CCA ONLY A COPY.

THEY SAY REGULAR ACTIVITY ON THE ACCOUNT.

MY TAPED PHONE CALL THEY ARE SAYING NO REFERENCE TO AGREEING REMOVAL OF DEFAULT.

NO RECORD OF ME REQUESTING TRANSCRIPT OF CALL.

THEY ARE SAYING THAT BLAIR,OLIVER,SCOTT WILL NOT BE PURSUING THE DEBT., AS A GOOD WILL GESTURE.

I SHOULD THINK SO NO CCA.

NO RECORD OF DEFAULT NOTICE ON FILE, OR EVEN SENT, THEY DO NOT NEED ONE.

 

I NOW WANT TO HIT THEM WITH ALL LEGAL MEANS. CAN ANYBODY DO A TEMPLATE FOR N1

 

MANY THANKS

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can one of your legal guys draw out pertic of claim against hbos. they have no cca. no default notice or confirm one has been sent. they refute telephone calls made, even though recorded.

am i correct that no cca, debt unenforceble, defaulting is a form of enforcement.

this is ref aqua credit card. bank has offered £450 to refund charges. i never asked for this only default removal. this is on condition full and final settlement. bank now considers matter closed

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Ok so you have a final letter from the bank....but they seem to be saying that there is no default

"NO RECORD OF DEFAULT NOTICE ON FILE, OR EVEN SENT, THEY DO NOT NEED ONE."

So therefore could you not send a copy of that letter to the CRA and then they can correct any entries which are wrong.?

I am unable to guide you regarding the court side, I am sorry! And i can see why you are so cross. The bank will definitely not respond following a final letter, so now you need to plan your next step....

Hope that somone with a little more court exp, will be along to help you with that side!

Red

You can also try the financial ombudman services www.financial-ombudsman.org.uk as an alternative.

The bank is correct that they only need to send you a COPY of your CCA, not the original.

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