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    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Halifax credit card


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I'm trying to reclaim my excess charges at the moment on my old Halifax card that I closed in 2007, and after sending them an outline of all the charges and asking for them to be refunded, I was suprised to have an almost instant response offering for the £224 total to be refunded, but on closer inspection I want to make sure this isn't too good to be true.

 

The letter I received states

 

Thank you for your recent complaint about charges to your credit card account. I am sorry you are unhappy, but I am pleased to be able to help. I am delighted to offer you a payment of £224.00. Whilst not agreeing with the analysis of default fees in the Office of Fair Trading's statement in April 2006 blah blah blah

 

It goes on to say

Following my investigation of your complaint I am satisfied that the charges have been correctly applied to your account. Therefore I am sorry to advise you I am declining your complaint. However, my gesture of £224.00 is a gesture of goodwill, and without admission of liability, to resolve your complaint. To accept my offer, in full and final settlement, simply fill in the enclosed form and send it back to me in the pre-paid envelope. Please note if there is an outstanding balance on the account, any payment made will be credited to account. No other method of payment will be issued.

 

The enclosed form asks me for my signature under this statement, also stating just above the signature box "pay the money to Credit Card 4049 xxxx xxxx xxxx".

 

This is the part that I am slightly concerned about. As my card was cancelled some time ago, there is no way the payment could be credited to the account. When it says "no other method of payment will be issued", does that mean that they wouldn't send me a cheque for the amount if my account is closed? Is it possible they would only be willing to offer credit on an existing active balance?

 

I am a bit wary of sending off my signature underneath this statement, so any input appreciated. Does anyone have any experience of reclaiming credit card charges on a closed Halifax account?

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The account is closed so they HAVE to send you a cheque.

 

Phone them tomorrow to inform them.

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