Halifax unsecured loan cca dated may 2007

[mak71]

My neighbour has just popped round, 4 letters this morning with my name and address on have been delivered by accident to her address by the postman,

very strange as i cant ever recall that happening before , and i received mail myself this morning (maybe someone has got it in for me):-?

Anyway fortunately my neighbour is a lovely lady, shes only just got in from work so only just dropped em off, thankfully all still sealed,

 

Anyway, one is my cca request to the halifax over an unsecured loan, i wasnt exactly sure of the date i took it out,knew it was early mid 2007 but now its confirmed its dated may 2007, wont post the exact date in case they trace this post back to me, but its towards the end of may,

Its a photocopy and not crystal clear but is readable, and the signature and date appear to be my writing, so no complaints there.

 

Now am i right in thinking any credit agreement after april 2007 doesnt come under the same regulations?do they have some of their own?

 

on the front of the form in bottom right hand corner is ref Lsplf01 dec 2005

and on the back of agreement in bottom right hand corner is a different ref number lsplbk1 dec 05

and on the top of the back page right in the middle in a black header is personal loan conditions 2005

 

I remember signing this agreement at home, went through all the details over the phone with an halifax representative and then they sent a courier with it the next day for me to sign while he waited outside , the money was then put in my bank , cant remember if it was the same day or the day after,

and this is confirmed in the agreement just a bit below my signature where it says

"you have seperately agreeed that this agreement be delivered by courier service,

you agree to pay the fee of £50 for that service which will be payable two months after the date on which the loan is made"

 

Now this is the last credit agreement ive taken out, all the others are much earlier than 2007, so this is the one i always thought was going to be watertight, funnily enough one of the other halifax debts i cca"d they sent the postal order back saying they couldnt accept it as the payee details were incorrect , funnily enough this one was sent the very same day, with exactly the same type of £1 unsigned postal order and they have had no problems supplying me with a cca and accepting the postal order on this account

 

wouldnt be playing silly sods would they:mad:

 

All help much appreciated

Mak

Edited October 28, 2008 by mak71

[mak71]

Any help please?

or any links that might help me ,

Thanks

[Pinky69]

I don't know what kind of help you are looking for. The Terms and Conditions are likely to be those post 2004, which is when they changed. Without seeing the agreement it is impossible to comment but you seem satisfied that it is enforceable. As for payee details on the Postal order not being correct, you don't say what was on it. I think you should check the Postal Order and since the agreement on the other account is 2007, it's more likely to be enforceable than an older one.

[mak71]

I don't know what kind of help you are looking for. The Terms and Conditions are likely to be those post 2004, which is when they changed. Without seeing the agreement it is impossible to comment but you seem satisfied that it is enforceable. As for payee details on the Postal order not being correct, you don't say what was on it. I think you should check the Postal Order and since the agreement on the other account is 2007, it's more likely to be enforceable than an older one.

 

Pinky, thanks for reply,

i was just trying to get confirmation if agreements taken out after april 2007 had any terms and conditions of their own which i needed to double check were there or if the agreement was still correctly produced as i was under the impression that agreements after april 2007 did not have to abide by the same rules as those pre april 2007?

 

i will post the agreement up later , it wont be crystal clear as my copy is poor but readable, so not sure how it will scan.

 

the postal order relates to another cca, i posted pics of it on another thread, i was just basically comparing how the same company was happy to cash one postal order and send me the cca as its quiet a recent credit agreement ie may 2007 , and the other one which relates to a much older agreement they wouldnt accept the postal order for even though it was sent at the same time as the one they happily accepted for the 2007 cca,i just thought that was a little suspicious in itself,

2 identical postal orders, 2 cca"s requested from the same organisation,to the same address and 1 gets processed and one doesnt:?

 

Heres the link to the post with the other halifax cca and po which was returned, which will explain better what im trying to get at

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/165808-help-please-halifax-returned.html

 

Mak

Edited October 29, 2008 by mak71