Halifax Help!! Were Do I Stand??

[adamsdad]

Hi All,

I would be extremley greatful if anyone could offer me a little advice.

within the last 7 years I have had a mortgage and 2 loans as well as a current account with the Halifax but unfortunately the only refference i have relating to these accounts are the roll numbers which i obtained from a branch (according to the member of staff this is the only info she could give me as all the accounts are now now closed).

My plan was to contact the Halifax and see if i could get the info i require to see if i had any charges etc to try and claim back, so i sent the following letter:

 

My name and address

 

Halifax

Customer Relations

P O Box 548

Leeds

LS1 1WU

15August 2008

 

 

Dear Sir/Madam

 

Re: Roll Numbers: ????????? ????????? ?????????

With reference to the above agreements, I would be grateful if you would send me a copy of these credit agreements.

 

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreements on request. I enclose a payment of £3.00, which represents the fee payable under the Consumer Credit Act.

 

I understand a copy of my credit agreements should be supplied within 12 working days.

 

 

I look forward to hearing from you soon.

 

Yours faithfully

 

 

The problem i have is that i'm not even sure if the Consumer Credit Act 1974 (Sections 77−79) actually aplies if the accounts have been closed??

and as they were sent recorded delivery and delivered on the 20th August 08 the 12 day period is now up.

The 3 £1.00 cheques i sent have all been cashed and I clearly wrote the individual roll numbers on the back of each cheque with an instruction as to what they were for. So my question is what would be my next move???

 

Any suggestions would be greatly appreciated.

 

Adamsdad.

 

[reallymadwoman]

CCA requests don't apply to accounts that are closed. An SAR would have been the better option.

[Armsoft]

CCA requests don't apply to accounts that are closed. An S.A.R - (Subject Access Request) would have been the better option.

 

Defianately right R.M.W. I would be getting a S.A.R. off to them straight away.

Halifax seemed to be one of the better banks for settling claims fairly quickley (certainly far more organised than Abbey), so the quicker you get things moving in the right direction adamsdad, the quicker you can look forward to getting what`s rightfully yours, back.

Good Luck

Edited September 8, 2008 by Armsoft
typo

[adamsdad]

Hi,

 

Thanks to you both for the advise, I will get the SAR sent off ASAP and will keep the thread updated.

 

Cheers Adamsdad