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Halifax respond to CCA after 9 months - what to do???


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Hi

 

I CCA'd halifax for my credit card back in January 2009, it was ignored. I sent them a reminder letter once the 12+2 expired, they sent me a letter saying it was an oversight and would respond in due course.

 

I had to send them another letter once the 30 days had passed and they sent me a copy of current terms and conditions.

 

I sent another letter - ignored, sent a SAR - ignored, then sent a CPR13 (or whatever its called!) which was, suprise suprise - ignored.

 

I then get a letter from Iqor demaning the full amount outstanding in 30 days

 

I sent them a CCA and to my amazement, a signed agreement turns up which they apparently got from halifax and a letter saying pay up in 30 days.

 

now my question is this, given that halifax / iqor took 9 months to respond with what they claim is a true copy can they enforce the alleged debt and if i write back to them saying they now how to go to court to enforce, halifax commited a criminal offence etc etc whats the likely hood i'll end up in court?

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