Jump to content


Gazza112 Vs Halifax Credit Card


Gazza112
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2526 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 497
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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

 

 

 

 

I take there is still no CCA around?

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:

Link to post
Share on other sites

Credit card?

 

How many over limit fees and late payment charges added to this account before it was sold?

 

Reclaim with interest in restitution.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Link to post
Share on other sites

I dont remember if there was one. Tho with it being 6 yrs since last payment then they can jog on

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Almost a year to the day to get the threatomatic working, not bad!

 

Still as boring now as they were last year too.... :thumb:

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!

 

 

Link to post
Share on other sites

  • 3 weeks later...

Over limit fees, penalty charges?

 

Is it worth investigating these to see if their is a valid reclaim,

 

Would it not be good to find out that they owe YOU money?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Link to post
Share on other sites

  • 2 weeks later...

Hi Gazza,

 

 

Do you have a copy of the Default Notice anywhere? The latest thinking seems to be that you have to add the time offered to remedy the "non-payment" to the date of the DN before it's SB, but I don't think anyone has yet been taken to court over this and had to defend it.

 

 

Discount offers are good news, as I'm sure you know.

 

 

I had a card which must be SB by now and last year I got about four letters offering me increasingly "attractive" discounts. Then I got statements telling me to deal directly with the DCA appointed to deal with my account - but there was no DCA!!!!

 

 

Hang in there.

 

 

DDxx

Link to post
Share on other sites

ignore them

 

 

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... 

Link to post
Share on other sites

  • 2 weeks later...

Wow still chasing after this long

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

  • 1 month later...

Hi All

 

Hope you all had a fab Christmas and like to wish you all a happy new year.

 

Right, just an update on this thread.

 

After receiving half a dozen letters from 1st credit in a fortnight,

they decided to ship this to another company called connaught collections.

 

I've has 4 letters from this company in the last few weeks,

telling me i'm a bad person not resolve the matter and bad things will come to me :sad::sad::!:

 

This is the letter i received today from them.

 

1stcreditletter3_zpsb1c94fb0.jpg

 

 

Gazza

Link to post
Share on other sites

As you will see from the tiny print at the bottom, Gazza.. Connaught is not a "different" company at all, but part of 1st Credit. So despite their attempts to hoodwink you into believing this has been passed on to another company this is not true.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

This is too long a thread to try and catch up with, so can you please summarise for us..

 

Date of last payment

Date of Default Notice

Balance they are pursuing and

What is outstanding in respect of any dispute ? CCA ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

As you will see from the tiny print at the bottom, Gazza.. Connaught is not a "different" company at all, but part of 1st Credit. So despite their attempts to hoodwink you into believing this has been passed on to another company this is not true.

 

A misleading practice where a payday lender had to pay compensation if i recall

 

fire a complaint under ccobs to fos and complain to fca with copies of the letters

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Link to post
Share on other sites

Hi Citizen

 

Thanks for looking at my thread, no you looked at this a few years back.

Last payment around August 2008, the default notice was not enough tome to reply.

Only an application for which is a different ref number to the one the fighting for.

So in all there's not a lot i think they can go on.

Watch this space :lol::lol:

 

Gazza

Link to post
Share on other sites

Definitely cause for a loud formal complaint to the toothless bodies that claim to police them.

 

If the SLC were exposed for faking these letters then quite why these lot are allowed to continue this practice is beyond me!

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!

 

 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...