Gazza112 Vs Halifax Credit Card

[BRIGADIER2JCS]

Write back saying you have 7days to comply any longer you consider the matter closed!

[Gazza112]

Hi Brigadier

 

Thanks for that advise, i'll get a letter drafted up over the weekend.

 

Gaz

[Gazza112]

Hi All

 

Just an up date to this thread.

 

I wrote to them stating they had 7 days to comply or i consider the matter closed, as the kind Brigadier said to do.

 

Well i had a reply ro that letter i sent, it says the following.

 

Dear Sir/Madam

 

Thank you for your recent correspondence.

 

Your letter has been passed to the appropriate department and they shall respond in due course.

 

Yours Faithfully

 

Gavin Flynn

 

Head of Collections

 

 

We will have to wait and see what they send through if anything.

 

 

Gaz

[Desperate Daniella]

[BRIGADIER2JCS]

Hi All

 

Just an up date to this thread.

 

I wrote to them stating they had 7 days to comply or i consider the matter closed, as the kind Brigadier said to do.

 

Well i had a reply ro that letter i sent, it says the following.

 

Dear Sir/Madam

 

Thank you for your recent correspondence.

 

Your letter has been passed to the appropriate department and they shall respond in due course.

 

Yours Faithfully

 

Gavin Flynn

 

Head of Collections

 

 

We will have to wait and see what they send through if anything.

 

 

Gaz

 

Gavin will be passing the buck to some hapless desk jockey hidden away in the 2nd floor bog with his box of crayons (no sharp objects allowed.)

 

Looking forward to the reply:madgrin:

[Bazooka Boo]

And if you do get a reply, and it falls outside of your 7 days, then I would be really irritating by sending them something along the lines of, "I have absolutely no idea what you are talking about, you are clearly mistaking me for someone else as this matter has been dealt with and closed so no further correspondence will be entered into."

[spartathisis]

Nice that they refer to the 'Application Form' and not Credit Agreement, an admittance from them it is not a credit agreement as defined by the CCA 1984?

[Gazza112]

Hi All

 

Thanks for all the replies to this thread.

 

Just Received another letter from first Credit today .

 

The letter start as follows

 

Dear...............

 

Re: Complaint

 

Further to the above and your letter of the 6th May 2013, I am sure you will appreciate that we are awaiting information from the Halifax in order to resolve your complaint.

 

We do not consider the matter closed and hope to be in a position shortly to inform you the Halifax's response.

 

Yours sincerely

 

Compliance Manager

 

That was the response i received today.

 

Let's see what happens next

[geoffthechef]

If someone owed you £1.5k and you had the chance over the last six years to drag them into court,Would you have done so?

I would ignore any letters as they still think they can blag you into paying...

[Gazza112]

Hi All

 

Not been on here for a while as there was nothing happening on this thread.

But the Muppet's at 1st credit have come out the closet again, received a letter from them today stating that all the information they sent complies to the consumer credit act and they want there money.

Here's a copy off the letter i received from them, any suggestions on the next move i should do with this.

 

 

 

 

 

[babydoll0141917]

Im still having the same issues with 1stcrud over a halifax card..Been letter tennis for 16 months now..my T and Cs were not easy illegible so they decided to enlarge them as big as a One direction Poster so start paying us...Id rather them take me to court ..fink they would of done by now if they had anything concrete

[Gazza112]

Hi Babydoll

 

thanks for looking at my thread, how long does your complaint go back to with Halifax?

[babydoll0141917]

I had a card in 2001..went to recoveries in 2008 ...Had every DCA chasing ..Halifax in the end sold the account to 1st Crud in July 2012..Been 15 months of letter ping pong..No court action yet ..Maybe coz they know they cant ..and in the end think I will become a Cash Cow..

[Gazza112]

Hi all

 

Just wanted some advice on what to do next, should I reply stating the have no set me to date an agreement that I asked for.

Or should I just forget and ignore the letter ad see what happens next

 

 

Gazza

[Bazooka Boo]

If it is the CCA you requested? And they have failed to respond then did you ever tell them you disputed this because of their failure to provide?

 

IMO unless they are badgering you, I would let sleeping dogs lie.

[Gazza112]

Hi Bazooka boo

 

Thanks for looking at my thread, i received a letter last week from 1st credit stating in no terms they want there money and the information they supplied is an agreement.

Please look at post 460 which is the letter i received from them last week.

Just wanted to know should i reply ar leave well alone for the time being.

 

Gazza

[Bazooka Boo]

Aha, yes seen.

 

Well, as none of them are bothering to confirm you have an honest dispute, then I would leave well alone for now.

 

Your in their puerile game of letter tennis, they respond with hot air and idle threats, and you respond with valid questions to which they never answer.

 

It is tedious now, and indicative of the immaturity of these clowns, why oh why has nothing been done sooner? Is it because they know they have nothing enforceable?

 

I can't see any further merit in continuing playing their game, you have repeatedly told them that you believe this to be in dispute with the OC, they are continually ignoring this, and if they really thought they could get this money, then they would have had you in court way before the time limit is almost up!

[Gazza112]

Hi Bazooka Boo and all

 

Not put anything on here as i never received anything from 1st Credit till today, when the dreaded letter came flying through my letterbox lol.

Just says that i've not responded to there last letter, and i have till the 27th December to reply to them, don't they realize its Christmas lol.

Really this company is a pain in the Ar..................., Just need a bit of advise in what to do, like stating they never carried out my instructions in sending me a true copy of the agreement.

Here's what the letter said that i received today.

 

 

Gazza

[Bazooka Boo]

Ha ha, just like little children they're trying to annoy you into retaliating!

 

Ignore them.

You can forget their arbitrary time limits.

 

Leave them till after crimbo, sad acts!

[Gazza112]

Hi Bazooka Boo

 

Thanks for looking at that for me, yes i'll leave it till after Christmas see what happens.

 

Gazza

[babydoll0141917]

I have just had a letter off them offering me a discount,,LOL...They tell me my Application is enforcable so pay it now..Then I get discount letters ..YEAH RIGHT

[Bazooka Boo]

It crimbo, they all get desperate at this time of year...

 

Just a shame we all don't hold the same morals and materialistic views they do!

[Gazza112]

Hi All

 

Not been on here for a while, just need a bit off advice on this.

Its been very quiet from 1st Credit, until today when i received a threatagram through the post .

They actually want money of me in full or else .

Just a quick reminder this account was a Halifax account, then in 2012 they sold it to 1st Credit.

Here's what the letter said that came to me today.

 

 

So just need a bit of advice on what to do next.

 

 

Gazza

[dx100uk]

getting near xmas again

we need to fleece a few mugs to fund our party.

 

 

NO CCA = NO PAY.

 

 

ignore.

 

 

dx

[spartathisis]

Full of mays, mights, if, could etc.