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Disabled & Scared! Owe 20k to Halifax!**WON** DISCONTINUED AND WROTE OFF


HalifaxPickle!
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I get where you're coming from CIU...If an account is legitimately in dispute, whish this one clearly is, they CANNOT add charges and interest and they CANNOT pass it on until they have resolved the dispute :)

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I get where you're coming from CIU...If an account is legitimately in dispute, whish this one clearly is, they CANNOT add charges and interest and they CANNOT pass it on until they have resolved the dispute :)

 

 

Hello babybear39,

 

Not quite my plan ........ perhaps I have got it wrong (had really busy week writing letters galore to my creditors) but I think so far we have all been dealing with only the credit card account ...... the account with the £15XX.XX balance is the bank overdraft account .... isn't it:confused:

 

The credit card account is well and truly in dispute ..... by unenforceable application form plus the Formal Complaint in progress.

 

I get the feeling that is why Halifax have now moved their attention to the overdraft account. As some fellow Caggers know .... if you defend your rights against one account you sometimes find the bank / DCA suddenly starts playing silly sausages with your other account/s.

 

I also feel that HalifaxPickle should bring her predicament to the attention of the management within Halifax ...... so far it seems like HP is getting all the standard threats etc etc from the general customer services.

 

So if I am right so far and the overdraft account is still having interest and fees added I was going to suggest a letter to FOS (as other Caggers have done in the past .... but I can not find links at moment ..... PriorityOne was one) pointing out Halifax are being unreasonable by still adding these amounts as debt can never be paid off and also point out that Halifax know all about HalifaxPickles circumstances BECAUSE they have had the letter from Doctor! Plus Formal Complaint letter to Halifax regarding the overdraft account but to Chief Executive's office and then added with a letter to MP things should start to happen here!!!

 

Onwards and Upwards

 

Chalkitup

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I get where you're coming from CIU...If an account is legitimately in dispute, whish this one clearly is, they CANNOT add charges and interest and they CANNOT pass it on until they have resolved the dispute :)

 

Where does it say they can't add interest/charges while in dispute?

 

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Morning!

 

The letter to BOS regarding the OD is going off today as I have been very unwell over the weekend.

 

I will take out the sentance as advised in an earlier post.

 

The OD has had fees and interest added but I think this will now stop as its with BOS and not Halifax anymore.

 

Any other suggestions?

 

HP

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I have modified the letter to this.......

 

 

 

My address

Blair, Oliver and Scott Ltd

P.O. Box 66

Rosyth

Fife

KY11 2WG

 

 

31st July 2008

Client: Halifax

Account Number:

BOS Ref:

Dear Sir/Madam

Thank you for your request for payment on the above account number with the outstanding balance of £1549.81.

I was told yesterday by my Priority Team worker Ann Campbell that she was going to pass her file on to you. I am terminally ill and she will provide you with proof from my GP.

I don’t understand why I have been moved to Blair, Oliver & Scott as I was only moved to the Customer Priority Team at the end of June 2008. I was given 21 days to provide a letter from my GP stating that I am ill/disabled which I did.

I have a full-time carer whom lives with me 24/7. I have a disabled adapted home and also receive care from my local council, which I can all fully prove if you require. As stated before though, I have sent all this evidence to Ann Campbell of the Priority Team and has been accepted by them that this accurate.

My disabilities and illnesses mean that I have no energy, in constant severe pain, am doubly incontinent and have mental health problems. I am fully dependant on other people to receive help and care with all daily duties which include, bathing, going to the toilet, cooking meals, taking me to hospital, getting me dressed etc-most things that people take for granted.

I am unable to talk on the phone so would ask that you contact me through writing only as I am not capable of talking on the phone. I am also a wheelchair user.

Because of my health I am no longer working and rely on state benefits to live. Being disabled I have more costs than an average person.

I don’t have much excess money left at the end of the month, but I can offer to pay £1.00 per month. I understand that this doesn’t sound much, but to me it’s a lot. I am offering this under extreme duress as I feel bullied into a corner.

Please contact me via letter ASAP to accept this offer.

Yours sincerely

Mrs

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Sounds good to me HP. :) If you are able, include a £1.00 postal order for the first instalment of the "goodfaith" offer.

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

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Hello babybear39,

 

Not quite my plan ........ perhaps I have got it wrong (had really busy week writing letters galore to my creditors) but I think so far we have all been dealing with only the credit card account ...... the account with the £15XX.XX balance is the bank overdraft account .... isn't it:confused:

 

The credit card account is well and truly in dispute ..... by unenforceable application form plus the Formal Complaint in progress.

 

I get the feeling that is why Halifax have now moved their attention to the overdraft account. As some fellow Caggers know .... if you defend your rights against one account you sometimes find the bank / DCA suddenly starts playing silly sausages with your other account/s.

 

I also feel that HalifaxPickle should bring her predicament to the attention of the management within Halifax ...... so far it seems like HP is getting all the standard threats etc etc from the general customer services.

 

So if I am right so far and the overdraft account is still having interest and fees added I was going to suggest a letter to FOS (as other Caggers have done in the past .... but I can not find links at moment ..... PriorityOne was one) pointing out Halifax are being unreasonable by still adding these amounts as debt can never be paid off and also point out that Halifax know all about HalifaxPickles circumstances BECAUSE they have had the letter from Doctor! Plus Formal Complaint letter to Halifax regarding the overdraft account but to Chief Executive's office and then added with a letter to MP things should start to happen here!!!

 

Onwards and Upwards

 

Chalkitup

 

Who should I contact within Halifax? Would this not be covered by the formal complaint, or do I make I contact management too and if so...who??

 

Thanks

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Hello Again!

 

I sent the £1.00 cheque off with the above letter etc and sent another letter to Halifax stating that I was still not happy about my complaint and that the CCA was unenforcable etc.

 

I have today received a letter from Robinson, Way& Company Ltd regarding the Halifax CC debt standing at £17.586. Its a formal demand for payment and I must contact/pay them within 10 days or court action wil be taken. Do I send them the standard letter about the debt being in dispute and letting them know too that I am disabled blah blah blah????

 

Are 2 companies allowed to chasing the same debt? Does this mean that Blair, Oliver, Scott have passed the debt elsewhere and realise that they wnt get the money???? I am a little confused as to why this has happened so quickly:confused: Are they breaking any laws etc by doing this?

 

I had a missed call over the weekend and when I googled the number it said Robinson, Way, but didnt know then that they had the debt and wondered what they wanted....but blocked the number again:)

 

I have also sent a lengthy letter to my local MP, but not sure how this will help.

 

I am having a good day today, so any letter that need to be done I should do today as Im busy at the hospital the rest of the week.

 

Any advice as usual will be appreciated.

 

Thanks

 

HPxx

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Hello Again!

 

I sent the £1.00 cheque off with the above letter etc and sent another letter to Halifax stating that I was still not happy about my complaint and that the CCA was unenforcable etc.

 

 

When did you send the letter?

 

I have today received a letter from Robinson, Way& Company Ltd regarding the Halifax CC debt standing at £17.586. Its a formal demand for payment and I must contact/pay them within 10 days or court action wil be taken. Do I send them the standard letter about the debt being in dispute and letting them know too that I am disabled blah blah blah????

 

 

When did you tell them you were disputing the account? What were your grounds for the dispute?

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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The letter with the £1.00 cheque was for the Halifax Overdraft as I had offered them £1.00 per month as a payment plan as thats all I can afford. That was sent about 8 days ago.

 

The dispute in the CCA was that the T&C's werent accurate. I did post a copy of my CCA...if you look back a few ages you can see.

 

Have I done the right thing?

 

HP

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The letter with the £1.00 cheque was for the Halifax Overdraft as I had offered them £1.00 per month as a payment plan as thats all I can afford. That was sent about 8 days ago.

 

The dispute in the CCA was that the T&C's werent accurate. I did post a copy of my CCA...if you look back a few ages you can see.

 

Have I done the right thing?

 

 

So far, it seems OK. I'll have to have another read through the thread and see what comes next.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Hello,

 

The credit card account is well and truly in dispute ..... by unenforceable application form plus the Formal Complaint in progress.

 

Send Rob Way the letter in Post 289 of this thread.

 

And they should not have passed this account on whilst in dispute.

 

Onwards and Upwards

 

Chalkitup

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Hi, Im currently in dispute with Halifax regarding charges etc, been on going since Feb last year, every 4-6 weeks i always recieve threats/demands from one of Halifax banks sister companies, which i have just ignored. No action has ever been taken by them, i just issue the "in dispute" letter and it will start the ball rolling again for another 6 weeks

Since Feb this year i have a total of 17 letters from DCA's/Solicitors each demanding immediate payment or were ganna take ya house cr*p.

Other companies include:

EquiDebt - easiest

EOS - took 2 letters

Optima Legal - Passed straight back

Robinson Way - 1 letter

 

Good luck and all the best!

Just make sure you keep a record of all the letters they issue you, and just keep enough copies of the "In Dispute" letter.

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

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Hi Halifaxpickle,

 

 

Don't worry about this. HBOS and Blair Oliver nearly always ignore letters etc.

 

You will find that after you get rid of Robinson Way, the account will then be passed onto the next bunch of morons, then the next, and so on etc.

 

If this keeps on happening you should report them to TS and OFT, and start a complaint with the FOS!

 

Best wishes, Jeff.

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Hi Again!

 

I have just checked online and the £1.00 cheque has been cashed with regards to the Overdraft and me offering them £1pm and stating clearly that this was for Augusts payment.

 

Does this mean that they have accepted this amount for the monthly payment? At least they cant state that they have never received this letter and payment. Will I receive a letter from them saying what they are doing?

 

Thanks

 

HP

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