halifax unfair charges again!!!

[inchigh]

in june 2007 i went to the cab to get a financial statement for the halifax as i had a credit card i couldn't pay, balance at that time was £2,063.45. Through the cab i made an agreement to apy £25.00 a month, they refused to suspend the instest and now the balance is £2458.45. They now want me to go again to the cab and submit another financial report about my circumstances (which have not changed) to make another agreement but if they wont suspend the inerest there seems to me to be no point. My friend told me that if I refuse they will refer it to a debt collecting agency who will only collect the debt and there will be no interet added. Does anyone know please if that is true.

 

thanks inch high

[**Tilly**]

Hi IH

 

Have you sent a sar off to see what charges have been applied to your credit card

account. If there are charges you can reclaim these.

[inchigh]

Hi tilly, i know that i can do that, but i want to know what action the halifax can take if i refuse to go back to the cab and get a financial statement done. Do you know if they will refer it to a debt collecting agency.

 

inchigh

[**Tilly**]

Hi

 

If you sar them you can then send a letter of account in dispute, while you are in the

prossess of claiming any charges back. If you don't come to any agreement with them they will more than likely send you a default notice and pass it on to debt

collecting agency, the interst im not sure, i will ask for someone to come and take

a look at your thread.

 

 

Tilly

[inchigh]

thank you tilly

 

inchigh

[inchigh]

tilly, where can i find the S.A.R. letters on this site please

 

inchigh

[**Tilly**]

Here you go

 

 

 

1. Data Protection Act, Subject Access Request letter - List of charges(

[inchigh]

thanks for your help really appreciate it

 

inchigh:)

[**Tilly**]

Hi

 

It also might be worth you sending a cca request letter, also if you are any benefits

it may help to freeze the interest, you will need to send letter N in the link below

 

http://www.consumeractiongroup.co.uk...templates.html

[**Tilly**]

Hi IH

 

I know it is a lot of info to take in, but also in the link i have given you there is a

letter, in there, when creditors refuse to freeze interest letter E

if you have any questions at all please shout and someone will come along to help.

 

 

 

Tilly

[inchigh]

tilly do you think state pension qualifies as benefits

 

inchigh

[**Tilly**]

Hiya,

 

No i dont think so, it is benefits like

 

child tax credits ?

working take credits ?

jsa

disabilty etc

pension credits ?

incapacity benefit

 

i have most likely missed some of but they are some of the benefits

[inchigh]

thanks:)