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Halifax Terminate agreement pass debt to Albion but still add charges to account???


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Here is a termination letter that I received on the 14th June 2010

 

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I contacted them to explain that I have never received a default notice and was reassured that it would be resent and received no later than Monday 21st June.

 

Still no default notice to this date but I have received a letter from Albion Collections Ltd on the 30th June 2010.:(

 

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Despite the termination of the credit agreement AND passing on to a collection agency I was shocked to see that on the same date as the letter from Albion was created Halifax had added a further £155 worth of charges!!!:-x

 

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I would really appreciate some urgent guidance regarding this matter.

 

Regards

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31st March 2010 arranged Ovd fee £4 unarranged Ovd fee £85?

These fees are bordering on extortion you need to get these fees refunded.

You was in credit with £10.03.

Unbelievable.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Guest Cartaphilus

Albion is HBOS inhouse lot.

 

I am also dealing with them for a current account that's gone over the limit, been getting letters for months now, fees which are still being added whilst with these Albion people (but being as they are one and the same outfit, there you go) ... which I won't go into are 'extortionate' to the point you read them and think 'what??!'.

 

But, when you consider that they now charge £5 per day for unarranged overdraft... plus other charges that came in last Autumn ... not hard to see why. But those charges/figures don't appear to make sense to me following being in credit by £10. Oh, wait ... just glanced back at February and saw you were in debit ... seems they've added charges a few months later, though, not at the time your account was overdrawn. Doesn't loook right to me. How they've perhaps gone about this. Maybe someone else can confirm it. Given the amount it's suddenly flown up to eg over £400!

Edited by Cartaphilus
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How has the account been generally managed post these recent transactions ?

 

Have your communications with BOS been in writing ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Did they tell you the figure that they were requesting in the DN ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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How has the account been generally managed post these recent transactions ?

 

Have your communications with BOS been in writing ?

 

Poorly since becoming unemployed and mostly only getting agency cover work

 

Did they tell you the figure that they were requesting in the DN ?

 

What default notice? To date I've never received one despite requesting one.

 

I made the mistake of telephoning them but I did take the name of the person I was speaking with and recorded the name etc

 

The two deposits of £100 that you may have noticed were made by having to sell items just to pay off the charges. Now I have nothing and am unable to pay!

 

 

 

Daylight and legalised robbery!

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Yes I guessed thats where the deposits come from.

Were you prev getting benefits paid there ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Yes I guessed thats where the deposits come from.

Were you prev getting benefits paid there ?

 

Foolishly I've never claimed any benefits for myself :(

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  • 2 weeks later...

I received a letter this morning dated the 10th July.

 

Does anybody else believe that this letter looks threatening and should be reported?

 

ScannedImage-5.jpg

 

 

I wrote a reply immediately and it has already been sent first class recorded (15-07-2010 13:06)

 

I used this template to base my reply on ;)

 

 

 

Also, what is the best plan of attack/defence here?

 

Obviously I need to pay an amount back but I feel that I have been severely mistreated in all this. I believe that the charges are very unfair and basically taking the urine out of someone that is in financial hardship?

 

The complete amount outstanding is due to BANK CHARGES that have been applied at the ridiculous daily rate.

 

The first default notice referred to in the termination letter was never received.

 

The second default was never received.

 

Despite the account being terminated charges are still being applied???

 

 

 

Thanks in advance

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  • 2 weeks later...

Oh Joy, oh joy don't we just love telephone calls from DCA's at 11:13 on a Sunday morning after already instructing that communication will only be done in writing.

 

I am now going to reprint my letter that I sent recorded delivery on the 15th July 2010 along with the letter addressing "Harassing telephone calls"

 

It still amuses me that when they call they ask you to confirm your details, I refused on this occasion. When I mentioned that I will only discuss my finances in writing the lady on the end of the phone said that they have sent me letters and not had a reply and that they are just trying to resolve the situation.

 

Funny isn't it, THEY load MY account with charges and terminate my agreement and then expect me to reply to PAY NOW template crap that they send through my door? If I was in a position to pay anything the account wouldn't have got into debt in the first case.... FRICKING MUPPET'S!!!!:mad:

 

I think I'll leave it a little while before attempting to construct any type of reply:)

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Could somebody be kind enough to browse over the contents I have added to this letter and post an opinion please?

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. The most recent was received from 0845 6029441 at 11:13 Sunday 25th July 2010.

 

I have also enclosed a copy of the letter that I sent by first class recorded post on the 15th July 2010. This letter was signed for on 19th July 2010.

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded.

 

Unfortunately I must advise you that further PAY NOW or Call us now template letters reminding me of the outstanding balance will be ignored. I do not have the funds available to keep sending replies via first class recorded delivery, which is how you will receive each and every necessary reply from me.

 

If somebody wishes to take a personal interest in helping to resolve this issue then you will receive my complete cooperation.

 

 

 

 

 

Yours faithfully,

 

 

 

 

 

 

 

Also, perhaps somebody may be able to advise who I should direct my letters to as I believe that the amount is very unfair because it was bank charges applied to my account that took me overdrawn, and charges on top of these charges that have lead to this total?

 

Many Thanks

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Could somebody be kind enough to browse over the contents I have added to this letter and post an opinion please?

 

 

 

Also, perhaps somebody may be able to advise who I should direct my letters to as I believe that the amount is very unfair because it was bank charges applied to my account that took me overdrawn, and charges on top of these charges that have lead to this total?

 

Many Thanks

 

I guess I'll just be sending it as it is then?:p

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Albion are in house letter writers for Halifax so little point in writing to them.

 

Address it to Halifax instead--it most likely will be tossed in the waste paper bin,but eventually they might act on your request.

 

There is a good template letter in the CAG library regarding telephone harrassment.

 

It's recommended to purchase a Truecall which effectively stops them getting through to you but if that is out of your reach at the moment an ordinary answer phone set to cut in after a couple of rings or less is useful as they soon get fed up of not being able to get through.

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Be advised that ALL of my telephone callslink3.gif are recorded.

 

Unfortunately I must advise you that further PAY NOW or Call us now template letters reminding me of the outstanding balance will be ignored. I do not have the funds available to keep sending replies via first class recorded delivery, which is how you will receive each and every necessary reply from me.

 

If somebody wishes to take a personal interestlink3.gif in helping to resolve this issue then you will receive my complete cooperation.

 

I would delete the last two paragraphs, they are not interested in your personal life or predicament.

 

Ad for the charges they have applied to your account, you need to reclaim these back, but expect to have to get the FOS involved in this.

 

Make a formal complaint about this excuse for a bank to the OFT/TS via Consumer Direct - Contact us

 

You might like to email the CEO;

[email protected]

As Halifax are part of the Lloyds banking group.

 

If recorded del is getting too costly, just get proof of postage, I fail to see why litigants should have to stump up extra P&P costs whilst these fools get away with sending correspondence walk sort, 2nd class.

 

Send it all to Albion, which is Halifax hence why they are still adding on their own charges...fools...and make that complaint.

  • Haha 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Albion are in house letter writers for Halifax so little point in writing to them.

 

Address it to Halifax instead--it most likely will be tossed in the waste paper bin,but eventually they might act on your request.

 

 

I think it's a good idea to write to the organ grinder rather than the monkeys.

 

Try starting the letter:

 

'I refer to your letter dated xxxx, sent on your Albion letterhead.' I took a similar line when dealing with the hopeless MCS/HSBC. Initially I'd reply to MCS and the next letter would be from HSBC; respond to that and the reply would be from a different department or MCS. So, I sent everything to HSBC at their registered office, and they stopped playing games.

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I would delete the last two paragraphs, they are not interested in your personal life or predicament.

 

Ad for the charges they have applied to your account, you need to reclaim these back, but expect to have to get the FOS involved in this.

 

Make a formal complaint about this excuse for a bank to the OFT/TS via Consumer Direct - Contact us

 

You might like to email the CEO;

[email protected]

As Halifax are part of the Lloyds banking group.

 

If recorded del is getting too costly, just get proof of postage, I fail to see why litigants should have to stump up extra P&P costs whilst these fools get away with sending correspondence walk sort, 2nd class.

 

Send it all to Albion, which is Halifax hence why they are still adding on their own charges...fools...and make that complaint.

 

I think it's a good idea to write to the organ grinder rather than the monkeys.

 

Try starting the letter:

 

'I refer to your letter dated xxxx, sent on your Albion letterhead.' I took a similar line when dealing with the hopeless MCS/HSBC. Initially I'd reply to MCS and the next letter would be from HSBC; respond to that and the reply would be from a different department or MCS. So, I sent everything to HSBC at their registered office, and they stopped playing games.

 

Thank You kindly, for your very informative posts.

 

I particularly like

'I refer to your letter dated xxxx, sent on your Albion letterhead.'

 

I shall keep you posted.

 

Thanks again:cool:

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Okay, this is what I am going to run with

 

Dear Sir/Madam

 

 

I refer to your letter dated 21st July 2010, sent on your Albion letterhead.

 

I have enclosed my letter that you received via Recorded First Class Delivery on the 19th July which clearly instructed

 

 

I WILL ONLY COMMUNICATE WITH YOU IN WRITING.

 

 

 

I have requested verbally and in writing that telephone calls from your company stop because I find the quantity and frequency personally harassing.

 

The most recent was received from 0845 6029441 at 11:13 Sunday 25th July 2010.

 

I am of the view that your continued harassment of me by telephone puts you in breach of... ... ... (see forum template)

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I love the signatures on the Halifax and Albion letters you posted. Living proof that they employ chimps going on the quality of the signatures.

 

The last letter I wrote to a DCA who couldn't grasp the basics of what I had tried to tell them in 2 previous letters, ended up with it written in capital letters in blue crayon. At the bottom it said, "If you still don't understand, please as a grown up to help you." :D

 

The reply was, "in view of your complaint, we're returning the account to our client."

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I love the signatures on the Halifax and Albion letters you posted. Living proof that they employ chimps going on the quality of the signatures.

 

The last letter I wrote to a DCA who couldn't grasp the basics of what I had tried to tell them in 2 previous letters, ended up with it written in capital letters in blue crayon. At the bottom it said, "If you still don't understand, please as a grown up to help you." :D

 

The reply was, "in view of your complaint, we're returning the account to our client."

 

Your posts always put a smile on my face and your videos, well what can I say? You are a very humorous person :lol: :lol: :lol:

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I do not know much about the info about Companies on Companies House and whether this means anything regarding the dormant statement:

 

Name & Registered Office:

ALBION COLLECTIONS LIMITED

DAWSONS CORNER

50 COTE LANE

LEEDS

WEST YORKSHIRE,

LS28 5ED

Company No. 02332581

 

 

spacer.gifspacer.gifspacer.gifspacer.gif Status: Active

Date of Incorporation: 03/01/1989

 

Country of Origin: United Kingdom

Company Type: Private LimitedCompany

Nature of Business (SIC(03)):

7499 - Non-trading company

Accounting Reference Date: 31/12

Last Accounts Made Up To: 31/12/2009 (DORMANT)

Next Accounts Due: 30/09/2011

Last Return Made Up To: 31/12/2009

Next Return Due: 28/01/2011

Last Members List: 31/12/2009

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Well it seems that Albion continue to send me TEMPLATE letters urging me to telephone them.

 

I have received two further calls, one on the Monday morning and the other Yesterday!!!

 

These guys are IDIOTS!!!

 

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My next reply will be written like this...

 

 

DEAR MUPPET

 

I WILL ONLY CORRESPOND WITH YOU IN W.R.I.T.I.N.G.!!!!

With copies of my last letters enclosed
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