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Gazza112 Vs Halifax Credit Card


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

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 2 weeks later...

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

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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:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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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."

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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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?

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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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 :-D

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  • 2 weeks later...
  • 5 months later...

Hi All

 

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

But the Muppet's at 1st creditlink3.gif 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.

 

 

 

stCreditletter1211_zpsb1b7ae13.png

 

Halifaxletter1211_zps4bfc5f78.png

 

Halifaxletterpart2_zpsa4223549.png

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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

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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.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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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

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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!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

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.

 

FirstCreditletter_zps366274f9.jpg

 

Gazza

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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!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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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!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 10 months later...

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 :lol:.

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.

1stcredit_zpse2c36fb1.jpg

 

 

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

 

 

Gazza

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getting near xmas again

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

 

 

NO CCA = NO PAY.

 

 

ignore.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Full of mays, mights, if, could etc.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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