Old Halifax Visa account question

[summerbreeze]

Will let you know

[summerbreeze]

I'd wait for the SAR to arrive--as they've terminated the account you might well receive a letter from Albion before long.

 

 

 

No SAR yet but a letter from Albion arrived today demanding the whole balance !

[middenmess]

..letter from Albion arrived today demanding the whole balance !

 

Are you quaking in your boots?

 

I wroteto H telling them of the errors of their ways and suggesting that they can whistle--no reply yet after nearly 3 weeks!

[summerbreeze]

2nd letter from Albion today

 

Complaint letter going out ....

[middenmess]

2nd letter from Albion today

 

Complaint letter going out ....

 

:D:D

 

Still no response to my letter,signed for SD.

Account still showing as 'live' online.

Rang CS to whinge and was told surprisingly:rolleyes: that they had no record of it.

Polite dialogue and asked to email a copy.

Waited.

Still no reply so phoned again-45 minutes later with the last of my patience draining away I received the usual apologies and that a letter had been sent out on the 20th.

Today is the 27th and no letter.

Roll on Monday!

[summerbreeze]

5 kilos of SAR today.

Starts at 1991 with a brought forward balance.

 

No sign of a CCA or even an application form.

 

Maybe I will get some more....

[middenmess]

5 kilos of Subject Access Request today.

 

 

:DWinner:D

 

All good reading I trust?

[summerbreeze]

:DWinner:D

 

All good reading I trust?

 

 

Its funny reading more like ...looking at all the stuff I bought all those years ago...holidays I paid for ...it will be a long time beefore I do that again !!!

 

But theres no copy letters, no DN, no correspondence at all.

 

Nothing before 1991 so at least 5 years missing .

 

I bet I get another couple of kilos

[summerbreeze]

No more SAR as yet but I got a default Notice for my Halifax overdraft dated 20th Nov. and remedy date 19th Dec so I thought well they are playing safe with that one....

 

Today I got letter dated 3rd Dec. saying agreement terminated and passed to collections .

 

oops !

[middenmess]

No more SAR as yet but I got a default Notice for my Halifax overdraft dated 20th Nov. and remedy date 19th Dec so I thought well they are playing safe with that one....

 

Today I got letter dated 3rd Dec. saying agreement terminated and passed to collections .

 

oops !

 

Peanuts and monkeys springs to mind:D

[summerbreeze]

I really dont understand them

 

Why cover your self and give plenty of time on the DN and then go and terminate before the remedy date and before even the 14 days minimum.

 

Now they have terminated both the Card account and the O/D before remedy dates on DNs

 

Who is running their compliance dept.??

[middenmess]

Who is running their compliance dept.??

 

 

'The lights are on but there's nobody in'

 

 

It would seem that they are completely incompetent in all departments as nothing they do makes any sense at all other than to lose them money.

 

I cannot get them to communicate with me at all despite sending emails and letters.

 

The only communication I've had is from 'Power to Contact' or whatever they are called because Halifax are unable to contact me!!

 

...king idiots the lot of 'em and I have a particular aversion to dealing with idiots!

[Fluffystuff]

Summerbreeze,

 

We have just entered the same situation as you. i.e. Account terminated on 3rd Dec, before the date to rectify had elapsed. What a shame!

[SB100]

Me too

[middenmess]

Update to mine...

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/229958-halifax-charge-21-85-a.html

[summerbreeze]

Update

Apparently I have not contacted them despite the recorded delivery letters I sent to them .

So they have instructed the powerfullcontact people to call and see me !

 

Perhaps they will bring my CCA with them ???

[middenmess]

Update

Apparently I have not contacted them despite the recorded delivery letters I sent to them .

So they have instructed the powerfullcontact people to call and see me !

 

Perhaps they will bring my CCA with them ???

 

 

Writing to them really appears to be a waste of a stamp as they either fail to acknowledge or reply in waffle that does not address any of the points that you have made.

 

Power2connect will turn up as they did with me and I now have a charge of £21.85 debited to my terminated/not terminated existing/non existing account:confused:

 

I'm not sure of the job description for these people but I'm pretty sure that the door to their office has 'Idiot's Department' on it!

Edited December 21, 2009 by middenmess
typo

[summerbreeze]

Updating

I wrote a letter of complaint on 27th Nov asking the direct question as to do they have the CCA?

I got a letter saying they are looking into my complaint and will respond by 27th Dec ..then another letter saying still investigating and will respond by 27th Jan.

Then letter a few days ago saying ... still looking into it ...sorry ..will respond as soon as poss.

Whats going on ?

[GARY68]

Hi Summerbreeze,

any updates ..

 

not been on the halifax thread for some time just seeing what there upto these days.

I used to tell them they were being charged £25.00 per letter.

Default you recieved seems interesting,you can get them back later with that, lets see how it pans out, if i was you i would always quote the complaint refrence no in all letters too, i would expect you now to recieve the long letter about they have complied bla.. but i think halifax want to resolve complaints rather than prolong them,

have you recieved original agreement yet?

Subbing;)

[summerbreeze]

Hi Gary

No sign of an agreement at all ... Albion keep writing to me and increasing the amount they say I owe.

I am still waiting for the response to my complaint.

 

I really dont think they have anything to send me ..its such an old account

[GARY68]

IMO Halifax are a push over and so are the others, they can add as much as they like, and im sure you not bothered.

 

i sent this to them as a example.never heard anything after, and its only tiny one:)

 

Albion Collections

PO BOX 123

Leeds xx0TH JUNE 2009

LS1 1AZ

Acc no xxxx xxxx xxxx xxxx

Dear Sir/Madam,

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY THIS ACCOUNT IS IN DISPUTE

 

I refer to your letter of xx/xx/09; the content of which has been noted. I am disappointed that my letter dated xxxxxxx appears to be insufficiently clear to enable your company to discern that this account is clearly in dispute

However, a legal request for a true copy of my Consumer Credit Agreement (Consumer Credit Act, 1974) was received by HALIFAX Bank on xx/xx/09 with relevant fees .Halifax have been in Default since xTH xxxxxx 2009 and until such times as they are able to honour this request, no payments will be forthcoming to anyone.

 

Under the circumstances, I suggest that you now liaise with "HALIFAX" before contacting me again. Nevertheless, any further attempts to pursue payment on a disputed account will be forwarded to the relevant authorities without any further notice.

In addition, I draw your attention to the Office of Fair Trading’s guidance on debt collection

 

The OFT guidance which was issued July 2003 (updated December 2006) relating to debt collections and what the OFT considers unfair, I have enclosed a quote from page 5 of the guidance which states :

 

2.6 Examples of unfair practices are as follows:

 

h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment

 

Clearly your pursuance of this debt falls into this category.

I HAVE NOTED YOUR REPEATED ATTEMPTS TO CONTACT ME AND HAVE RECORDED THESE AS SUCH TO WHICH IAM USING TO COLLECT A CASE TO FORWARD TO THE OFFICE OF FAIR TRADING UNDER THERE DEBT GUIDANCE RULES.

FURTHER MORE YOUR ATTEMPTS TO THREATEN ME WITH COURT ACTION WILL BE COUNTER CLAIMED IF NOT INITIATED BY ME

YOU MUST ALSO TO TAKE NOTE THAT ANYBODY SUCH AS “ALBION COLLECTIONS” TURNING UP AT MY HOME OR BUISNESS WILL BE REMOVED

Your telephone calls are in breach of the Office of Fair Trading guidelines. If you continue with them after the receipt of this letter an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office. For your information note that ALL telephone calls are taped.

 

This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’ in that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. A formal complaint, containing copies of all correspondence including yours, may be submitted to the relevant authorities. This will be relevant to questions of your fitness to hold a licence under the Consumer Credit Act, whether or not it results in a prosecution.

 

Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

 

Communicate in writing and ONLY in writing, your telephone calls will NOT be answered.

I trust that this letter clarifies both my position and your own.

 

Yours faithfully,

 

 

Ps you are now being charged £25 for this letter and any future letters will be for the same amount, should i find the need to write further,

[Dotty50]

Hi, I wondered who Albion were, they left a message on house phone last week, but thanks to Cag, found out who they were.

 

I thought Halifax were playing ball with me after being designated my personal account manager within their Customer Priority Team.

 

Reached an agreement in September and asked for written confirmation.....................still waiting! Made further calls, 'sorry we will ensure it is sorted'

 

DN received 26th Jan (dates look ok), then another letter stating they do not have a current phone number for me! They have been speaking to me on my mobile for the last SIX months!

 

Another complaint letter gone off to them!

[GARY68]

Hi Dotty

the personal account managers are there to sweet talk you and be friendly towards you and are there to.....help you in paying...its a different approach,i have to be honest when i spoke to the polite woman...i nearly paid too.

 

what agreement did you make reduced payments... and they still defaulted you.

they dont give a s*** really.

[Dotty50]

Hi Gary,

 

They agreed to reduce interest rate to 12.69% initially for 12 months asked for confirmation in writing (should it ever be passed elsewhere)

 

Here is my thread so not to highjack from Summerbreezes.

 

http://www.consumeractiongroup.co.uk/forum/getting-out-debt/200906-halifax-cca.html

 

Couldn't agree more with what you say, think I may start on other BOS CC with Sainsburys!

 

So if you are male you get a female manager and vice versa? Different approach, as you say!

[Dotty50]

Ever got the feeling you have a shadow?