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I am dealing with a company called Abacus Finance. I have 3 loans with the halifax and Abacus sent them a letter a long time ago (possibly 3 months) requesting copies of my loan agreements under the consumer act 1974 thingy?!. To date despite a phone call promising us copies by the end of last week they still have not provided copies. The last phone call to the Halifax they said they have sent the agreements and we should recieve them on Monday.


I have a suspicion that the documents will not arrive on Monday and they are just stalling for some reason?! What will/ can happen if they do not provde the relevant documents?


Any help will be appreciated!



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Hi, Banksm404.


Do you mean Abacus are dealing with these loans on your behalf.

If they are, they should be sorting this for you.


You can do the lot yourself with help from people on this site.


Do you have proof that Halifax received your CCA requests.


If so after 12 + 2 days, they are in default and you can send them this.......




Send recorded and don't sign it.





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Hi Scott,


Thanks for the info. Yeah Abacus sent the original letter by registered post so they have evidence that the letter was signed as received. I will await to see if anything arrives tomorrow!


Will keep you posted.

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