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    • I Hope you can hep me please.   I have received a letter of claim from lester aldridge for Intrum uk finance limited    stupidly i didnt realise it was dated 26th October, so I will not be able to reply within 30 days but post!   it was for a halifax cc originaly owned by moorcroft in 2018 then by intrum from 18/7/19.   i sent a CCA request to moorcroft end of 2019 and recieved reply early Jan 2020. acknowleging receipt of CCA and requested files from client. also stated they are not seeking enforcemnet.   received a huge package of statements from 2012  to 2018 with a covering letter saying please see copy of bill/statement/breakdows/agreement   i cant see any terms and conditions or my signature of setting up card agreement etc?   I would greatly appreciate any help you can give me in terms of what choice i have for the PAP letter? do I phone instead to be within the 30 days? or fill it in anyway. If so what option do i select, is it that I dispute the debt etc?   many thanks  
    • Yes they can......its irrelevant if its statute barred or not...because they will get a default judgment but only if you have moved and not informed them of your new address...as your previous known address is deemed good service.   If you have informed them of COD and you have not made payment or acknowledged the debt within a period of 6 years (5 Scotland).....you simply defend on the basis of the claim being statute barred...but you can only do that if you get the claim form and defend in full....hence the need to keep your address up to date on all financial matters.   The statute of limitations can not be extended in any scenario.....but who would know unless you defend the claim.   Andy    
    • sorry didn't mean to come across as demanding...apologies I know that I don't have a CCJ but i was wondering if a DC could bring a CCJ against someone after they had not been in contact for over 6 years, on the basis that the debtor had not told them that they had moved, ie could the DC use that as a reasonable reason to extend the 6 year period? Even if the debtor had not acknowledged the debt or made any payments, for over 6 years. sorry I know what i am trying to say but probably not expressing it very well.
    • yea ok have patience we are volunteers you know.   we call backdoor CCJ's roboclaims. northants bulk issues 750'000 a year - that exactly why it was setup by the court system as no-one checks anything and no humans is ever involved so yes you can get get a CCJ on an SB'd debt if you've not told the debt owner where you now live there are 100's of backdoor CCJ threads here already.
    • OK, so as time is running out ...   Get the CPR off tomorrow with a free Certificate of Posting from the post office.   Get down to the car park, take photos of the signs, try to suss out what they reckon you did wrong.  I see it's a P&D car park so presumably you didn't pay or stayed longer than you paid for (although there seems to be a barrier on exit so how did you get out?!)   Normally we say to check with the council if the car park has planning permission for its signs, but this is a multi-storey car park so presumably they bothered with PP!   Look in the PPC Successes thread at the top of the page, any thread with "claimform" in the tile should have an example of a defence.  Post up a draft of what you propose to send, it needs to be as generic as possible.    The important thing at the moment is filing the defence.  In the longer term, once we get hold of their letters (either through CPR or a SAR if they refuse to reply to the CPR) we can see what other holes to pick in their claim.      
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Old Halifax Visa account question


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..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!

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  • 2 weeks later...
2nd letter from Albion today

 

Complaint letter going out ....

 

:D: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!:D

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: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

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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 !

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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

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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.??

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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!

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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! :D

Notwithstanding the fact that I sometimes ramble and I'm such a worrier, all postings are made with the best intent and entirely without prejudice.

You are welcome to use any information you may find here entirely at your own risk. Please do not hold it against me! :p

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  • 2 weeks later...

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 ???

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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 by middenmess
typo
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  • 1 month later...

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 ?

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  • 2 weeks later...

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.:D

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;)

 

 

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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

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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,:p

 

 

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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!

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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.

 

 

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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! :shock:

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