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Vatican v IF Visa


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My good wife the mother superior had an IF Visa card. This card we stopped paying back in February 2007 and requested a copy of the credit agreement from IF. They failed to produce one. Blair Oliver Scott also failed and sent it back across the corridor to IF. Then Wescot had a go in January 08. Followed in March 08 by IQOR.


Next up was Robinson Way, who warrant a new paragraph, in June 08 after a Formal Demand (oh how we quaked) followed it up in August 08 with a special invitation ** substantial reduction ** special invitation for 30 days only a sustantial discount will clear this debt. Thirty days came and went.


Now it was Bank of Scotland who wrote in October 08 and offered 40% off the debt of £2,800ish. Either £1700ish as a one off or pay us £650ish month 1 month 2 and month 3. Oh how we were tempted to rattle the collection plates.


Then in July 09 Halifax wrote to tell us they had assigned all of its respective rights, title and interest to Hillesden Securities as of the middle of June 2009. This all arrived in the same envelope as as Direct Legal & Collections letter. And then a solictors letter from Aplins Stockton Fairfax in August 09.


Enough for one post story concludes in the next one.

Edited by hisholinessthepope
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So we sent off a pleasant little note to Hillesden and copied in Aplins, it went;


I have recently been notified by HBOS that they “assigned all of its respective rights, title and interest in respect of the above referenced account to Hillesden Securities, effective xxxxx”.

I now write to communicate to you my position. In February 2007 I requested a signed copy of the Credit Agreement, this HBOS have failed to produce. I know that the lack of a signed Credit Agreement, in the required format and with the required content, is a fatal breach of the Consumer Credit Act 1974 for creditors.

As requested by HBOS I have made contact with you and advised you that this account is in dispute. In summary;

1) I do not acknowledge any debt for the above account.

2) Any further communication should be made in writing. Any telephone calls will be recorded and considered harassment. Telephone calls will be in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997, and The Communication Act (2003) s127.

3) No one from Hillesden Securities, direct legal & collections or any other organisation acting on your behalf has permission to visit my home. Anyone visiting my home will be considered a trespasser and their action will be immediately reported to the Police.

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After a couple of we will be in touch letters the following arrived from Hillesden - October 08


1 The original lender has been unable to supply a copy of the original agreement, however please find enclosed a true copy of the agreement which complies with your request under section 77-79 of the Consumer credit Act 1974.


2 Due to the above, we will not continue with any proceedings on the above account at this stage; however, should the documentation become available we will notify you accordingly.


3 Although we are unable to enforce the agreement at this time, the default will remain on your credit file until the debt has been satisfied.

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I have posted all the above just to let others know what happens and how the road runs over two and half years.


I myself also have an IF Visa account with a "debt" of just under £10K it is also with Hillesden, they have yet to tell me no credit agreement for this account. But I am sure they will eventually lol.

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