Halifax CC /IQOR

[leothelioncub]

Now the situation with my halifax CC account is with A sar IS THAT I HAVE RECEIEVED LOADS Of pages from screens with several DCA's but the most interesting one is that a DCA received my CCA after the account is closed (with them)and it is of a different date from the one the bank (halifax) has sent to me ( the one halifax has sent me is also in my opinion in that it is covered in dots except for the area around and in betweeen my sig and apparently the girl from the bank) obv i cannot post it on here.......

[leothelioncub]

Oh well what I'm trying to ask for is some advice as to what the best way to proceed is, I'm thinking of asking Halifax if i can view the original as I'm of the opinion that the copy they have sent to me has been doctored due to the fact that per say per square inch there is 100 little dots covering the rest of the document but suddenly if you look at the signature part of the doc there is very few dots and even in the loops of both the bank employee and my alleged signature there are no dots, when they put docs on microfiche do they actually keep the original and do they have to put the "origanal" before court or will the microfiche copy suffice?..... oh and btw I have a dodgy default notice and there was no info on default notices sent thru My S.A R. request. How far should i push this too?

 

leo

[IdaInFife]

hiya,

 

 

sorry you have had any help

 

can you not scan and post the cca and default notices up here, deleting your personal info?

[leothelioncub]

Hi ida, many thanks, default notices definately dodgy ... remedy date exactly 2 weeks from date of letter not allowing time for service, but my point about CCA agreements is, and the reason why i cant scan them is the issue around my signature... It just seems wrong to me... I don't know the method halifax use to scan docs, but my signature uses a lot of loops but there appears to be no black dots or very few in these loops compared with the rest of the print in the CCA. It just looks wrong to me... do they actually have to provide the original in a court case or would this "scanned version" do? It does contain all prescribed terms however ..rate of interest credit lemit and monthly repayments.. It was from 2005. However MY SAR provided me with a load of screen savers about everytime I breathed down the phone or hung up on them( a nameless DCA) (not wanting to give out too much info) and also one which stated that the CCA halifax provided to them ( after the un-named DCA had closed the case) a date which was 6 days out from the CCA the halifax sent me....... now I find it hard to believe that a clerk or clerkess can accurately report that i breathed then hung up and then get a simple date wrong.... and record such information and then forget to send on copies of an important document like a default notice!.. I used the template from here for my SAR so the request for default notices was included but somehow not sent....many thanks for any thoughts on how to proceed from here... was over 6 weeks ago i got the results from my SAR not heard a peep from halifax IQOR which is perhaps the worst thing.......

[IdaInFife]

so you are saying enforceable cca- but unsure of sig - dodgy default only giveing you 14 days from the date the letter was sent - have you got a termination notice?

[leothelioncub]

I do not .. halifax have not sold the debt on yet IQOR is only the fourth DCA i have dealt with... Moorcroft IQOR wescot then IQOR again.....somehow????

[leothelioncub]

yeah definatelty unsure of signature , but as everybody knows everyone's signature changes slightly overtime but another thing on application it says i was married but was not married until 7 moths after date of so callled application..... now am not going to deny that i had account with halifax but after the hassle i had and my mrs had with them and other DCA's threatening us with throwing us into the street and taking my step son's right shoe and pocket money this is the reason why we have decide to fight them... if we lose at least we'll have gone down fighting, like many other's on this site.. much respect. have defo got dodgy default notice.... have never used my scanner b4 but may figure out how to use it if nec. if they choose to ignore the law then I shall not! x

[leothelioncub]

yep i do tend to go into a bit of a rant after having a drink.... but understandably so... it rules my every wakening moment