Help no response for copy of credit agrement

[bella2007]

Hi Pford:-)

 

If this where a footy match it would be:

 

Pford Utd (CAGERS) 6 Halifax inc (incompetence) 0

 

Bella

[pford]

Bit of a update on this managed to get Experian to send me their dispute form and the Halifax response to it. lol its a joke. Experian even hold account numbers as well according to what they sent me poor RD when this gets sent to the ICO he's singed to state all the details are correct even the date of birth lol which they have made up.

[un1boy]

Bit of a update on this managed to get Experian to send me their dispute form and the Halifax response to it. lol its a joke. Experian even hold account numbers as well according to what they sent me poor RD when this gets sent to the Information Commissioners Office he's singed to state all the details are correct even the date of birth lol which they have made up.

 

 

Hehe, good stuff!

 

How'd you manage to get them to send you that mate?

[pford]

Hehe, good stuff!

 

How'd you manage to get them to send you that mate?

 

 

Just asked for them to send it as proof that the they are querying the information and what the Halifax have said in reply.

[un1boy]

Just asked for them to send it as proof that the they are querying the information and what the Halifax have said in reply.

 

Oh, excellent!!

[pford]

Well had another letter off the Halifax some good news just the default to get rid of now.

 

 

Your case has been referred to me in my role as a Customer Relations Manager with full authority to respond to customer concerns.

 

Can I firstly apologise for the delay in responding to your complaint. My understanding of your complaint is that you are unhappy that you have not been provide with a copy of your Credit Card Agreement. As such, you have advised that you feel that the debt is unenforceable under section 78 of the Credit Consumer Act 1974.

 

I am sorry that we were unable to provide you with a copy of your Credit Card Agreement. From our systems I note that you were made aware of this, in writing, by Halifax in January 2007.

 

I would like to confirm that the outstanding dept of £****** was written off by Halifax in March 2007. I fell that it is important to advise you that although the decision was made to write off the outstanding debt, this is not n admission of liability on the part of Halifax and should not viewed as such. The decision to write off the outstanding debt was a business decision based upon commercial viability.

 

Although the outstanding debt has been written off, Halifax are not disputing that you had the debt. As advised, the decision was based upon commercial viability and does not negate your responsibility towards the debt. As such, I regret to inform you that I am unable to alter the information held on your Credit File. Your Credit File will continue to show a default in regards to this account as it is a genuine reflection of the conduct of your accounts. You are also not entitled to a refund of any monies paid to lower the outstanding debt.

 

I appreciate that this will not be the answer that you were hoping for, however, I trust that this clarifies the Bank’s final position.

 

To comply with legislation, I would like to let you know that if you remain unhappy you can refer your concerns to the Financial Ombudsman Service.

[hellhasnofury]

Well had another letter off the Halifax some good news just the default to get rid of now.

 

Hello Pford,

 

Excellent well done to you. Good news for you and more to come keep at them.

[un1boy]

Well had another letter off the Halifax some good news just the default to get rid of now.

 

Well done matey - just issue an N1 at court now and they'll get rid of the default!!

[stano999k]

Hi there can i just ask who u spoke with at halifax with regards to this - as i had the same kinda letter and wanted to know if it generic!?

 

many thanks!!

[noomill060]

Hi stan, youve posted on a dead thread- no body has been her in nearly two years.

 

Best start a fresh thread of your own in the Halifax section.

 

(Welcome to CAG, btw!)

[pford]

Hi there can i just ask who u spoke with at halifax with regards to this - as i had the same kinda letter and wanted to know if it generic!?

 

many thanks!!

 

 

not been round much too busy with other things it was a A Ferguson who sent the last letter not heard a word since that.