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Old Halifax Visa account question


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Well it says they ' may ' take me to court . I dont have any experience of RW although I know they are well known on CAG.

 

Not sure how serious the threat is TBH

 

It doesn't sound like a LBA as they say 'may' take you to court.

 

Have a look at the letter template on here for a LBA

 

http://www.contractorcalculator.co.uk/payment_letter_before_action.aspx

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I had one from them in May and sent this response, they are currently awaiting a copy of my CCA from Halifax!

 

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=18368&d=1273694577

 

Note that this letter of Dotty's is fine but do make sure that you do not refer to a credit agreement under the CCA1974 as it does not apply to overdraft arrangements.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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  • 3 weeks later...

Well .. So far no response to the letter I sent to RW about the overdraft.

 

Todays post brings a statement for the CC and is the first I have had for months so it looks like CrappyQ have sent the account back .

 

Printed in big capital letters is the threat that the OC may take any funds I have in any other current or savings accounts [even if held in joint names ] to make payment to this outstanding account.

 

Oh dear ! I dont have any other accounts any more.

 

I wonder what will happen next ?

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  • 1 month later...
Hmmm didnt take long for Robbing W*yn*ers to start threatening about the card account did it .

Formal demand arrived yesterday.

 

 

You can look forward to a couple of month worth of letters from them and several phone calls per day as I have just had--all ignored.

 

Have a look at the company number if it appears at the top of the letterhead --is it 886896?

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Hi MM

I dont see any company number... where would it be ? and does it make any difference?

RW are already chasing the O/D and now have the CC account.

I might send them Foolishgirls letter ...the one that saw Crappo Q off.

What do you think ? or is ignoring best ?

Theres no CCA at all on this CC account.

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  • 4 weeks later...

Update

I sent foolishgirls letter to Robbers W and the CC account is now on hold.

The ODraft has now been sent to Horrible Farrelly sols [ Robbers W in disguise I believe ] who MAY do all sorts of awful things to me .

I MAY write to them but I MAY not ....

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  • 2 weeks later...

Heres the Latest on the CC account

I have a letter from RW who say that they have contacted the OC who reject my dispute [ which is that there is no CCA and I have never even been sent a recon and have a letter saying they have nothing ]

So they want me to pay up now.

 

Not sure what to do next ...

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Not sure what to do next ...

 

Hi Summer,

 

Same as you have been doing,I would have thought.

 

When I had a go at RW they just came back with a similar response from Halifax.

 

Ignored it and its now with iQor who have just got Mackenzie Hall to send a photocopy style letter purporting to come from a Stratford based firm of solicitors who 'might' advise court action and who also instruct me not to respond to them [solicitor] but to iQor --so will be writing to Halifax asking if their original letter saying 'we will not be enforcing as we search for this that and the other' has been forgotten about.

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  • 2 weeks later...
  • 4 weeks later...

Well here I am again ...

The Halifax Overdraft now has been passed to Iqor.

 

I have a Daughter come home from Uni and literally a week later without any notice gave birth !!!!! and my OH in hospital and already had a heart op and needs further major surgery to save his life.

 

What can Iqor do to me ??? they can just P.O.

 

I dont care about my debts any more .

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What can Iqor do to me ??? they can just P.O

 

Hi Granny Summer- they can Post Office or better still they can Foreign Office :madgrin:

 

As Dotty said there's more to life than money.

 

Best wishes to you all.

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So sorry to hear your problems summer. All best wishes, do hope it all turns out OK.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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  • 4 weeks later...

Today brings a letter from RW about the CC account asking " What have we done wrong ? " Do they really want to know ??? and they want to offer me help and advice from their specialist debt advisor as I must be unable to pay the account in full .....

 

2 letters from Iqor about the OD offering a " substantial " reduction if I phone them within 72 hours ..... Of course I will :wink:

 

On family front OH had major cancer surgery this week so its fingers crossed xx

 

DD and darling baba doing well.

 

Thanks for all kind wishes :-)

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:grouphug:

 

Hi Summerbreeze, Iqor have been busy!

 

I had a text this morning and a call at work within a couple of hours!

 

Was only thinking the other day that it had gone quiet on the Halifax front, I don't think I have ever had a letter from them, expect that will be next.

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  • 3 weeks later...

Today brings a letter to both me and OH from Geoffrey Parker B threatening court on behalf of Iqor for the O/D account.

That one is in joint names. I am seriously considering making an offer of F and F on that as OH a very sick man.

I can fight my own battles but I dont want him to be worried.

I know there are good templates for F and F letters . Can any of my friends point me to the best one?

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Hi Summerbreeze,

 

If you are 100% sure this is the way forward, try sending The Mould a PM and I am sure he will assist you with drafting a letter.

 

I hope all is going ok with your family.

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