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Halifax Credit Card


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Hi and welcome. :)

 

Are you looking to see whether your agreement is enforceable or just to reduce payments?

 

Spam.:)

 

I did have more but silverfox beat me to it..;-)

Edited by Spamalot
silverfox sneaked in while I wasn't looking

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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If you send a request for a copy of your agreement under s77/78 Consumer Credit act they have 12+ 2 days to respond with a copy of your agreement...If they do not comply in that time you can put the account into dispute and refuse to pay until they come up with the goods!

 

How old is the account by the way?

 

If you send a SAR you can also ask for a copy of the agreement and any statements for the account.... that way you can claim back unlawful charges.

 

Depending on what you get back or how long they take to respond is how you take it from there..

 

Halifax did freeze my interest and put me on a payment Plan but I am now querying my agreement because I have some dodgy paperwork sent by themselves and I'm hoping to take it further. :D

 

Good Luck.

 

Spam.:)

  • Haha 1

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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