CCA request - reply from Halifax

[IdaInFife]

Credit Today online

 

thanks to cerb for finding it

 

Ida x

[susiemac77]

after paying the first monts payment, I have indeed been defaulted and the account has been passed to Blair, Oliver & Scott who sent me a lovely demand letter.

 

I phoned them straight away to tell them I had already set up a pyment arrangement with hbos to which they replied that it just had to be formally arranged with them but then told me to continue paying hbos as I had already arranged!

 

Is it worth me complaing to FOS to try to have the default removed since it was applied AFTER I had started a payment arrangement?

[susiemac77]

after paying the first month of a payment arrangement for by hbos loans, I have been defaulted and the accounts have been passed to Blair, Oliver & Scott who sent me 2 lovely demand letters.

 

I phoned them straight away to tell them I had already set up a payment arrangements with hbos to which they replied that it just had to be formally arranged with them but then told me to continue paying hbos as I had already arranged!

 

Is it worth me complaing to FOS to try to have the defaults removed since it was applied AFTER I had started a payment arrangement?

Edited October 13, 2009 by susiemac77
to remove dialogue box

[susiemac77]

credit file has been changed to "account query" and payment status marked U for this month. also had letter form Robinson Way confirming they have ceased collection activity until further notice!

[beetle1234]

Not surprised at this...arrogant,unprofessional and really have no idea how to treat consumers...in your shoes I would start by writing to a senior manager explaining that you are willing to pay this (assume you are as you have set up arrangement ?) and as they have now issued df if they do not remove this you will cease all payments as part of your reasoning behind paying was to start repairing your credit file...in effect by issuing df your credit file is now damaged anyway so why would you continue to pay ? Have you sent them the necessary fees and requests for copy of your "properly executed credit agreement" yet or was this a post 2007 loan ?

[susiemac77]

Not surprised at this...arrogant,unprofessional and really have no idea how to treat consumers...in your shoes I would start by writing to a senior manager explaining that you are willing to pay this (assume you are as you have set up arrangement ?) and as they have now issued df if they do not remove this you will cease all payments as part of your reasoning behind paying was to start repairing your credit file...in effect by issuing df your credit file is now damaged anyway so why would you continue to pay ? Have you sent them the necessary fees and requests for copy of your "properly executed credit agreement" yet or was this a post 2007 loan ?

 

I have 2 loans with them - 1 from 2005 and 1 from 2006. I havent cca'd them for the loans, only for my credit card with them because I assumed loans would be even harder to deal with.

 

When I spoke to them I said that I thought surely the point of the payment arrangement was to prevent a default or where is the incentive to pay and explained that other creditors had accepted payment arrangements, frozen charges and stopped defaults. They said that their policy is to default after 6 months of arrears regardless of circumstances and that the reason for the payment arrangement was to stop them passing it to an external dca who would take court action and that a default was better than a ccj. They also said that what other companies had done for me had no bearing on how they conducted their business

 

Does anyone know if defaults leave your credit file 6 years after they are put on or 6 years after you pay it off?

 

Im really frustrated by the whole thing as have tried to put my finances in order and everyone else I have dealt with have been really helpful but hbos just seem detrmined to destro my credit file regardless

[IdaInFife]

unfortunatley most companies will issue defaults when on payment arrangements

 

it will disappear 6 years after its been placed on it

 

still worth sending a cca request for both loans - can you scan up the default notices minus personal info?

 

ida x

[dx100uk]

sadly they can default you. [if the agreement is ok?]

stop phoning the muppets too.

they wil have you over a barrel and you can prove nothing.

as they have with the threat of a ccj

 

tbh its about time YOU took control of this debt.

 

write and TELL them how much they are going to get, then pay the OC and do it by internet banking no matter what they say every month.

 

any judge would just laugh them out the door if it went to a CCJ hearing.

 

dx

[MARTIN3030]

3 threads merged.

[susiemac77]

3 threads merged.

 

the original cca thread relates to a credit card and the other 2 threads to loans

 

im at differenct stages with cc than loans so could threads please me "unmerged" to avoid confusion