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    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
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Halifax Credit card CCA


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Hi i cant remember where wilko put his quote,,it was on someones else thread not his own ..i will look around when i have more time ..The trouble with these CCAs is none of us know if the terms and cons where on the back when we signed,,They could just be cut and paste jobs!! there are loads of us with these and i and most others have only known wilko going to court on this!! someone else asked to view the original at there local branch..\Halifax totally ignored the question!!..Im just gonna sit tight and see if they issue now!! i find keep writing to them is pointless:)..On the agreements it does say we have received a copy of the T & C wich avers to them being in a different document

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BUMP

 

Sorry chaps I had to re-edit my post but it is now correct and would apreciate you views and that of site team

 

hellp ! :eek:

 

F

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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BUMP

 

Hi 42 Man,would be really gratefulif you could review my last post at 10.42

 

Just wondered what you thoughts are on the scanned T & Cs on the back of the photcopied cca

 

how would you proceed from here ??

 

cheers

 

f

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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Bump

 

Hi Guys

 

I am still unsure what do do with Halifax. Clearly the precribed terms are not there in the front page document but contained within the T & Cs they have photocopied on the reverse.

 

How would you go forward with this one? Post 24 is my key post I need help with.

 

Cheers

 

Fingers

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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  • 2 weeks later...

Hi fingers, it looks like I have been sent the same as you, and on the back of the page where it has my signature, it also looks like the t&c has been cut and pasted on the back, here is a link to my cca that I received today Pictures by mazza1970 - Photobucket

NatWest

 

S.A.R - (Subject Access Request) sent - 02/01/07

Statements received - 15/01/07

Prelim sent - 24/01/07

LBA sent - 15/02/07

Claim filed in court - 20/03/07

Court date received for 26th June - 01/06/07

Received offer for full & final settlement from Cobbetts - 22/06/07:D :D

 

 

Capital One

 

S.A.R - (Subject Access Request) sent - 26/06/07

Statements received - 03/07/07

Prelim letter sent - 17/07/07

Letter received - 07/08/07 - WON!!:grin:

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Hey Mazza

 

I am taking legal advice on my halifax agreement should have some feedback within next 2 weeks. When I do I will post it up as no doubt will apply to you.

 

In the meantime just to be ultra cautious on your CCA copy you can see your pesonal details on the reverse page of of the T & Cs on photobucket...albeit the details are backwards I would just rescan this !

 

Fingers

  • Haha 1

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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Hey Mazza

 

 

In the meantime just to be ultra cautious on your CCA copy you can see your pesonal details on the reverse page of of the T & Cs on photobucket...albeit the details are backwards I would just rescan this !

 

Fingers

 

Thanks Fingers, I have deleted that bit of the set just in case, I never even noticed!! Thanks for noticing!! :-D

NatWest

 

S.A.R - (Subject Access Request) sent - 02/01/07

Statements received - 15/01/07

Prelim sent - 24/01/07

LBA sent - 15/02/07

Claim filed in court - 20/03/07

Court date received for 26th June - 01/06/07

Received offer for full & final settlement from Cobbetts - 22/06/07:D :D

 

 

Capital One

 

S.A.R - (Subject Access Request) sent - 26/06/07

Statements received - 03/07/07

Prelim letter sent - 17/07/07

Letter received - 07/08/07 - WON!!:grin:

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Gotta watch each others backs !!:)

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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  • 2 weeks later...

well its seems most of us have received these 5 pages of agreement from halifx

 

i dont know about anyone else but no way are they real - clearly they have been knocked up recently to try and cover all the points and i note in all the posts they keep referring to them being an exact copy ( yes but not of the original agreement) just an exact copy of what they now claim to be part of the original agreement.

 

i for one am prepared to let them go all the way to court on mine and ill seek proof of every last detail of who how what where when this stuff was produced from

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I requested my Halifax CCA from 1st Credit back in January. All I have had is the application form like you guys and the prescribed terms clearly scanned onto the reverse of the application form with my signiture on it. Obviously 1st Credit are claiming that this is perfectly acceptable etc etc. No sign of any court action yet though!

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Hi All

 

Still waiting for the solicitors advice on it but when I get it I will post it up.

 

F

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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  • 1 month later...

Hi All

 

In my original account in dispute letter I stated the following:

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute

The lack of a credit agreement is a very clear dispute and as such the following applies

You may not demand any payment on the account, nor am I obliged to offer any payment to you

You may not add further interest or any charges to the account

You may not pass the account to a third party

You may not register any information in respect of the account with any credit reference agency

You may not issue a default notice related to the account."

 

Does anyone know where these specific guidelines come from?

 

On one of my other threads someine suggested OFT guidelines and the Banking Code ??

 

Does anyone know ?? and where can I find the original references ??

 

Cheers

 

Fingers

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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Hi all. I'm new to all of this and I've been reading the thread with interest.

Thank God I'm not alone in this horrible mountain of debt :mad:

 

After going through the CCCS, Halifax/BOS defaulted me on 3 cards and passed the account to various DCAs. I requesed the CCAs and have had the following:

1 - A signed credit agreement from Halifax/Sainsbury's - BOOO! It's my writing.

2 - Halifax/Amazon - Pages of an agreement, no writing or signature (could have been typed up yesterday for all I know!).

3 - Moorcroft (DCA to whom the payments are made) say that they're no longer dealing with the Halifax account - news to me

 

In both letters where they can't provide the CCA they say that they don't have to send the signed original copies.

 

Barclaycard have sent photocopied conditions of use and a blank application form.

 

What happens now? If they can't provide these CCAs should I stop paying them? I'm probably too naive to this and thought that if I stop paying them, it'll go to court and get thrown out. I won't have to pay and eventually I'll get the defaults removed.

 

I am mad!!!:mad: Why do they lend out such huge amounts????

- BlondieGirl

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Hi all. I'm new to all of this and I've been reading the thread with interest.

Thank God I'm not alone in this horrible mountain of debt :mad:

 

After going through the CCCS, Halifax/BOS defaulted me on 3 cards and passed the account to various DCAs. I requesed the CCAs and have had the following:

1 - A signed credit agreement from Halifax/Sainsbury's - BOOO! It's my writing.

2 - Halifax/Amazon - Pages of an agreement, no writing or signature (could have been typed up yesterday for all I know!).

3 - Moorcroft (DCA to whom the payments are made) say that they're no longer dealing with the Halifax account - news to me

 

In both letters where they can't provide the CCA they say that they don't have to send the signed original copies.

 

Barclaycard have sent photocopied conditions of use and a blank application form.

 

What happens now? If they can't provide these CCAs should I stop paying them? I'm probably too naive to this and thought that if I stop paying them, it'll go to court and get thrown out. I won't have to pay and eventually I'll get the defaults removed.

 

I am mad!!!:mad: Why do they lend out such huge amounts????

 

cross out your personal details (even the one in your handwriting) and post them up for us to look at

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  • 1 month later...
Fingers,

 

did anything ever happen with the solicitors?

 

Hey Indebt

 

The sols have seen my Halifax agreement and think I have a case.

I am waiting for the conditional fee agreement from them to sign and return. They mentioned the recent Leeds case vs HBOS ? think it was the ratio money case the old Mike Le Vell where they got the old man off £15K of Halifax credit card debt.... I think that case worked on the same principles ...lack of terms and conditions...the ones they are photocopying on the back of our CCAs..

 

Its slow progress my end...but if I didnt have my credit file to think of (because of my job) i wouldnt be paying halifix a penny now....

 

Chin up!

 

Fingers

The Story So Far...

 

Barclaycard - Fingers Vs Barclaycard

Egg - Egg Credit Card CCA Agreement - help

Halifax - Halifax Credit card CCA

IF - CCA received

Lloyds - Lloyds CCA

MBNA-CCA received, challening

Virgin - Virgin Card CCA May 2006 - Help Required

 

OH Barccard - 2 s78 letters, on 2nd cpr

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