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Halifax CC - Validity and reply from Cabot


cw412
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Hi All

 

Sorry to ask again, but am still in a fight with Cabot.

 

I sent the CCA request and was offered the attached below. Note that the date on the signature form is in 2005 but the summary box is from after 2006 when the CC late charges were changed, not the same.

 

I received no default notice either.

 

I sent the great letter off this site arguing the points and below is the response from Cabot finally received today.

 

What does everybody think? Is it valid? I signed it but no date or any other prescribed terms.

 

Thanks

 

http://i386.photobucket.com/albums/oo307/cab412/halifax_cc.jpg

http://i386.photobucket.com/albums/oo307/cab412/summary_0002.jpg

http://i386.photobucket.com/albums/oo307/cab412/reply_0001.jpg

http://i386.photobucket.com/albums/oo307/cab412/reply_0002.jpg

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I have not got this 'application form' , as far as I am aware [though not sure about post 2004 agreements] the t&c's are supposed to be embodied in the CCA {it can run to more pages] but must be linked.

 

wait for someone more experienced to help you.

 

 

Milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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here is my halifax "agreement" plus the reverse side of the sheet which shows some terms and conditions, however it is unsigned and does not show all of the prescribed terms........

 

 

 

halifaxccascan.jpg

halifaxscancca2.jpg

 

I presume this is what should be on the reverse side of yours :)

 

I am currently chasing them to return the unwanted and useless PPI, I think I'm winning.........

thread in the PPI area :):D

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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