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I would put that anger and frustration you feel, into recovering your unlawful fees!

 

They're not going to take action against you for a nil balance!

 

Seconded

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  • 2 months later...

well well well, how the tables haev turned for the banking giants.

 

I have still not heard a word from the halicrap on my ppi claim - what type of l;etter should i be sending them...... I have paid off my card, although when I log on online it tells me I am in arrears!!! what a hoot!!!

 

any advice as always is gratefully appreciated.

 

xx

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You mention your claim is stayed. Remind me - was that a court claim?

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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no, it hasnt got that far yet, I wrote to them twice and they wrote back stating that as the process was under review they were not responding to my claim. I have still heard nothing. when I made a claim against my other halicrap account they refused to pay me the 8% stat int that I was due and got less than 25% of what I was owed.

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time to write them again

and get that stupid 25% one sorted to or off tothe fos

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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they are supposed put you back in the position you were before they took it

 

go get 'em

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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is it not too late to try to get back any money if they consider it settled?

 

How did they pay the money back?

Did they say it was a full and final settlement?

Did you say accept it as F&F or did you tell them it wasn't enough?

 

I tend to agree with dx that you should pursue them for the rest of it, but you might need to explain your acceptance of a part payment, especially if they described it as F&F.

 

Do you have the letter telling you about the payment. If so can you either scan it removing personal info or post up what it said, and also any reply you sent (if you did).

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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In that case go for it. You didn't accept the payment so I agree the matter is not closed.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 4 months later...

hello world, and all who ever read my thread, well the update is simple, I have had some money back and despite writing to FOS I have only received a few pounds back from halicrap, the only upside is that I am within £300 of paying off the biggest of my two debts while the smaller debt was cleared.

 

This was not one of the easiest things of my life and two years down the line I am still fighting to get money back. It seems that the Halifax just dont want to listen to reason.

 

i would urge anyone who has the ever read my thread to never give up, these institutions can be barbaric in their approach to ordinary everyday hardworking people who in fact only ever want to pay back what they owe.

 

until such time, me and the halifax will argue. after checking my credit cards accounts on line this morning, it would seem that despite one account being cleared for the last 6 months they still tell me that I am in arrears! how stupid bonkers is that! who do I speak to in order to get that settled?

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Hi FDAO

 

Still here but don't spend as much time on here as I used to, there are still a lot of very helpful people around but sadly a lot of the older names have gone for whatever reasons.

 

Glad to hear you are coping and reducing your debt but you are right in trying to get the incorrect information amended. I suppose you should approach the original owners of the debt first and see what explanation they give as to why the balance is still showing.

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  • 4 years later...

hello A little update on this debt..

 

 

So I stopped paying this debt, years ago, no CCA could be provided etc, so I stopped paying.

 

 

The debt no longer appears on my credit file, and although I still owe £190

I get the occasional letter from Lowell who is the latest DCA.

 

 

I have now had a letter from BPO collections offering a 41% discount!!

 

 

I am minded to do nothing, but am concerned that this debt will reappear on my credit file. I

 

 

am recently separated and paying the mortgage etc myself.

At some point in the future I want to remortgage the house to take my ex name off the mortgage etc

and don't want to do anything that might cause an issue.

 

 

 

 

...Any advice on steps would be appreciated Thank you

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once gone, it cannot reappear on your file

 

best just to ignore

 

when was your last payment/acknowledgement?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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hello A little update on this debt..

 

 

So I stopped paying this debt, years ago, no CCA could be provided etc, so I stopped paying.

 

 

The debt no longer appears on my credit file, and although I still owe £190

I get the occasional letter from Lowell who is the latest DCA.

 

 

I have now had a letter from BPO collections offering a 41% discount!!

 

 

I am minded to do nothing, but am concerned that this debt will reappear on my credit file. I

 

 

am recently separated and paying the mortgage etc myself.

At some point in the future I want to remortgage the house to take my ex name off the mortgage etc

and don't want to do anything that might cause an issue.

 

 

 

 

...Any advice on steps would be appreciated Thank you

 

Hi feely. It's been a while. Seems like you've had some changes in your life. Hope things are improving for you.

 

I agree with theoldrouge. Ignore it. You don't want to start engaging with them. The debt can't be defaulted again so don't worry about any future mortgage application. They're just phishing and hoping you'll fall for it. ;)

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 5 weeks later...

Just saw this thread, urge you to keep a check in the interest rates. The more you pay the more interest they will try to lobb onto your overall debt. Be careful, even if you make the regular agreed payments keep a running excel account of each balance to see if it is getting reduced.

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