Gazza112 Vs Halifax Credit Card

[sunflower99]

HI Gaz

Is Blair Scott and Oliver an inhouse collection firm for Halifax? I just joined the Blair Scott and Oliver club!

[Gazza112]

HI Gaz

Is Blair Scott and Oliver an inhouse collection firm for Halifax? I just joined the Blair Scott and Oliver club!

 

Hi Sunflower

 

Yes, affraid is one off the inhouse companies they use.

But very easy to get rid off .

 

Gaz

[Gazza112]

They wont learn though, Gazza.. they think that the pressure will eventually make you cave in....

 

Have a word with questioner.. he is sending out invoices to these cretins and is finding that they are returning the accounts back far quicker

 

 

Hi CB

 

Thanks, i'll have a word with questioner later.

 

Gaz

[sunflower99]

Hi Sunflower

 

Yes, affraid is one off the inhouse companies they use.

But very easy to get rid off .

 

Gaz

Thanks Gaz! Halifax just done themselves out of £50 quid which i was going to send them tommorrow when pay cheque came in but now they not getting a penny and will be getting a s78 request instead now they set those leeched on me:mad:The £50 quid will be going on priority debts now!

[Gazza112]

Hi Sunflower

 

£50 quid blimey your loaded lol.

In the s78 letter your going to send them, just add a couple of things.

Not only ask for a copy off the original agreement also ask for a copy of the deed of asignment and a copy of the notice of asignment.

That seems to work when sending them requests.

 

Gaz

[Hopster]

Listening in here and will advise of my Halifax situation shortly. I assume that they have offered you a 40% discount ? HAS ANYONE BEATEN HALIFAX IN COURT ?

[citizenB]

Listening in here and will advise of my Halifax situation shortly. I assume that they have offered you a 40% discount ? HAS ANYONE BEATEN HALIFAX IN COURT ?

 

Halifax lose in Leeds County Court

 

Yes, have a read of the post in the link above.

[Gazza112]

Listening in here and will advise of my Halifax situation shortly. I assume that they have offered you a 40% discount ? HAS ANYONE BEATEN HALIFAX IN COURT ?

 

 

Your Joking 40% lol. No received a letter from Wescot saying my client would offer me a wopping 25% dicount on the eledged dept .

Which they will be getting my reply very shortly.

 

Gaz

[sunflower99]

Hi Sunflower

 

£50 quid blimey your loaded lol.

In the s78 letter your going to send them, just add a couple of things.

Not only ask for a copy off the original agreement also ask for a copy of the deed of asignment and a copy of the notice of asignment.

That seems to work when sending them requests.

 

Gaz

Hi Gaz

Trouble is they want deveral hundred off me!:eek:They are a very odd bank one minute they sending threats right left and centre and when i send a hardship letter they write a nice lettter back saying the prepared to accept token payments but they still carry on phonning me and bombarding me with threatograms!I have several letters saying they will accept token payments now in response to each letter i write but obviosuly a useless template letter they send out with out anyone understanding it or meaning what they say.I even made the mistake once of phonning one of their DCAs ,Berfore i said one sentence he said i presume you are phonning up to pay me £700 and was full of threats saying i had to make an arrangement there and then and could not wait till my pay date to get money through normal channel of my internet bank account payment facility.He siad i had to pay him something that minute and even had the cheek to ask if i had any friends or relativees i could sponge off to pay arrears! Very unethical ! Naughty naughty! Shame i not go recording equipment would have been a great one to play back to the OFT!

Edited February 21, 2010 by sunflower99

[sunflower99]

Needless to say that DCA did not get a penny! I suppose they only see £1 signs when one of their victims ring up and they only get commission if they get person to pay someething there and then!Well never going to be lucky with me i wouldent dream of giving these bullies my credit debit or bank details anyway and no money would go to them.I will only pay the original crediter any agreed amount and that would be through my internet bank facility with me staying in control what is paid out!

[sunflower99]

Halifax lose in Leeds County Court

 

Yes, have a read of the post in the link above.

yes that was brilliant and gives us all hope!

[sunflower99]

Hi Sunflower

 

£50 quid blimey your loaded lol.

In the s78 letter your going to send them, just add a couple of things.

Not only ask for a copy off the original agreement also ask for a copy of the deed of asignment and a copy of the notice of asignment.

That seems to work when sending them requests.

 

Gaz

Thanks for advice! Gaz though i been advised to send s78 request direct to Halifax head office and just send their inhouse collecters Blair oliver and sCott a letter informing them i just sent a s78 request and that i am waiting for that before discussing anything about account!

[Dotty50]

Hi Gazza,

 

Put my computer on today to get a letter off to Sainsbury's after trying to deal with the Halifax since April last year and getting nowhere.

 

As usual, got sidetracked and came across your thread and now see why I am getting nowhere!

 

I haven't put mine in dispute, in fact, offered to pay a reduced amount at an agreed reduced interest rate. (I thought great!) Just asked for written confirmation. Now been waiting since September and not paid anything to them!

 

They said that they didn't offer any F & F's! Although from reading recent posts here, I see they tell fibs!

 

Now I seem to remember reading early on in this thread that your CC was originally with Leeds (as is mine), if you take a look on my thread you will see what they produced for me, a signed Application but the Agreement has not been signed. It is on my first post.

 

Very tempted now to read Lexis's thread but really must get another letter done.

 

Here is mine http://www.consumeractiongroup.co.uk/forum/getting-out-debt/200906-halifax-cca.html

[Gazza112]

Hi Dotty

 

If you look on all your agreements/application forms they send you.

They all tell you to sign the agreement as set out by the Consumer credit act. But it is funny that your find hardly any creditors sign the forms, hence there not aggreing with the act.

If your sending your letter to a DCA, make sure you add those two lines in as there do work and they soon go away.

 

Gaz

[Dotty50]

Thanks Gaz,

 

I am also dealing with MBNA and Cap 1 so seeing DCA's off without any problems....................so far.

[Gazza112]

Hi All

 

Forgot to mention the other day, when i received the letter the other day from wescot. Stating that there client was willing to offer me a 25% discount on the alledged account. I also received a demand letter from Wescot as well. demanding that i pay the full amount by the 2nd March and make the cheque out to Wescot.

I also received a statement letter from Halifax showing the full amount and asking the full amount by the 12th March and to make the cheque out to HBOS.

 

Now what do you think of that, both companies asking for the full amount?.

Do these companies think i'm made of money .

 

 

Gaz

[Undercover-Elsa]

It's against OFT guidelines for 2 debt collectors to chase the same debt. Inform them of this and say you'll report them to Trading Standards and the OFT.

Elsa x

[Gazza112]

Thanks Elsa i'll get a letter off to them today.

 

Gaz

[The GodMother]

Personally l would just go to the FSO re this.

[sunflower99]

Hi All

 

Forgot to mention the other day, when i received the letter the other day from wescot. Stating that there client was willing to offer me a 25% discount on the alledged account. I also received a demand letter from Wescot as well. demanding that i pay the full amount by the 2nd March and make the cheque out to Wescot.

I also received a statement letter from Halifax showing the full amount and asking the full amount by the 12th March and to make the cheque out to HBOS.

 

Now what do you think of that, both companies asking for the full amount?.

Do these companies think i'm made of money .

 

 

Gaz

LOL! It is getting a bit ridiculous Gaz! Sounds the usual case of their right hand not knowing what their left is doing! I am now a fully paid up member of the CAg Halifax fan club and sent my s78 request a few days ago!

[Hopster]

Halifax ? This is where I am - I have offered them 5% which they have refused. They had offered me a 40% discount. I might offer them 10% with a statement of inc &exp. Anyone had success going down this route ?

[Dotty50]

I offered 35% and they told me that they dont accept short settlements unless it is under extreme circumstances!

 

They're getting nothing at the moment!

[Gazza112]

Hi All

 

Yes, send my lovely letter of to Wescot last week asking for all the documents that they need to send me before they can ask for payment.

There probably crawl in a corner and send it back to HBOS.

 

Gaz

[questioner]

Send DCA **** a warning that you will bill them for an admin fee if they persist in harassing you.

 

Give them 14 days to comply when you have sent them your invioce. If they fail to pay your fee then just go get your NI form (fill in and print out on line) and bang it in at your local SC court

 

Simple!

[Gazza112]

Hi All

 

Not been on here for a while

 

Just wanted to ask, i'm in a bit of a pickle in as to what to do with my credit cards at the moment.

The person who was dealing with these has left the firm and at the moment the firm is waiting for a replacement. As i see it i'm know further forward with this firm, than when i was dealing with them myself with the help with the people on this site.

Know since this person has left, i've received a letter and payment book from Barclays offering me to pay £1 a month for 6 Months. I've also received a letter from Westcot saying they will accept a £1 a month, they have sent me girobank payment slips to pay them each month.

At the moment i'm paying Natwest and Capital 1 a £1 a month.

Now should i through a blind eye on the first two, that is Barclaycard and Westcot and go down the root that i was taking on this forum or just set up a £1 a month.

Which in reality is saying to them i accept there is a dept.

 

I know going to the Law firm hasn't help,as they did lead me up the garden path saying there was a scheme that the goverment had out that could help out.

 

Any advice what i should do in this case.

 

I will update each of my threads with this information.

 

 

Gaz