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hel1984

Where to start with Halifax debt?

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Hi, i have 3 overdrafts and a credit card with the Halifax and i havent made any payments for over 2 years but i am looking to get it sorted now. I got kicked into action because a debt collector came knocking the other night and i dont want this to carry on. I never spoke the the debt collector, my partner told him i would only communicate in writing. The collector said he was from scotcall. I was stupid in that i threw all the debt letters away so i dont know who is managing all of the accounts now. I did get a letter from Westcot the other day about one of the overdrafts but it didnt mention the other accounts. Where should i start? Im not going to have much spare money because i am on maternity leave and will only be receiving SMP shortly. Do you think they would be willing to accept a very low F+F payment settlement?

 

Thanks for any advice, it is greatly appreciated.

 

Helen

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Hi Helen,

It is fair to say that after 2 years, ALL your debts are with debt collection agencies.

I think you should deal with each one as they appear. You can't remember who has what so for now, just deal with wescot.

As other DCA's come out of the woodwork, start a new thread for each one and the advice will come rolling in.

 

Here is a list of negotiating letters to start with:

http://www.consumeractiongroup.co.uk/forum/showthread.php?20758-Creditors-and-DCAs-Letter-Templates-Budget-Planner

 

Did Scotcall call on behalf of Wescot?

 

There are letters here:

http://www.consumerforums.com/resources/templates-library/86-debt-collectors.html

that you could send to stop the doorstep callers and also letters here:

http://www.consumerforums.com/resources/templates-library/52-harassment.html

should they start phoning too much

As for F&F settlements, it all depends on the DCA and what they will accept but it does not hurt to try.

Remember though, DCA's have absolutely no right to any personal info from you. Only a judge has that right.

You can voluntarily give info


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks for the advice. I think i will send Wescot a letter regarding the overdraft they have written to me about, along with a budget sheet showing i can only afford a very small amount per month and stating that i could maybe offer 10% full and final settlement and see what they say.

 

If i can find a letter regarding my credit card - would you recommend sending a CCA request first before offering to pay anything? I have tried to read as much as i can on here but some of it just goes way over my head! I think if they havent got an enforceable CCA then they may be more likely to accept the F+F offer?

 

I presume the scotcall debt collector was acting on behalf of wescot but he never said.

 

If i applied for my credit report, would it show who is dealing with the debts now?

 

Thanks

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Couple of thoughts below in red

 

 

If i can find a letter regarding my credit card - would you recommend sending a CCA request first before offering to pay anything? I have tried to read as much as i can on here but some of it just goes way over my head! I think if they havent got an enforceable CCA then they may be more likely to accept the F+F offer?

 

It all depends on how old your card account is to whether they have an agreement or not but it does no harm whatsoever to CCA them. Letter 8 in the above link.

 

If i applied for my credit report, would it show who is dealing with the debts now?

 

If a debt has been sold then it will have the name of the DCA concerned but if the DCA are collecting on behalf of the original creditor, it is they that will show

 

Thanks

 

When writing to these people(NEVER RING THEM) send all letters by recorded delivery


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thanks, i took out the credit card in 2003 i think, could have been 2004 but i will send a CCA request when i figure out where to send it.

 

I have been going through all the paperwork I have and I have a couple of letters from Wescot which were sent in March regarding one of the overdrafts and then the letter they sent the other day regarding a different overdraft. The letters all say that they are acting on behalf of HBOS so should i communicate directly with Halifax or Wescot?

 

If i send the CCA request directly to Halifax card services, would that be ok, even if they have appointed a DCA to act for them or shall i just wait until a letter arrives from someone regarding the credit card?

 

I used to work in a Halifax branch for 3 years and thats what got me into this mess, i understand it was my fault but i was young and stupid and they made it too easy. I opened my main current account with them when i started work there to get my salary paid into and i ended up with an agreed overdraft of £1500, bearing in mind my salary was only approx £800 per month, this was way too much! Then because our branch hadnt hit our sales target one day, the manager asked me to take out a credit card, she said you dont have to use it - but as i say i was young and had access to money for the first time so i did use it! Then, again when our branch needed more sales, i was talked into taking out a loan to pay off the credit card and overdraft. So i had a £3000 loan but i still had access to the overdraft and credit card so i did the stupid thing and maxed them out again. Then again when the sales figures were down, the manager talked me into opening 2 more current accounts and i was given a £500 overdraft on each of these! No point really to this part of the post, i just cant believe how stupid i was, i really wish i never ever worked there, i honestly believe i wouldnt be in as much as a mess as i am now. Nevermind.

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Morning,

Always communicate with the body that is chasing you. In this case it is Wescot.

 

With the CCA request, You could send it direct to Halifax but if you know the DCA that is chasing the card debt, it would be better going to them.

 

Overdraft charges have become much harder to get reduced or written off since the test case last year but if you have credit card charges, you should be able to reclaim all those that were paid. If you were to SAR Halifax, this would get back your statements (plus other bits and bobs) where you could work out how much was charged you, reclaim it and this would reduce the outstanding balance.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Right, i think i will just wait for a letter to arrive regarding the credit card, then send the CCA request to the DCA.

 

I will send a letter off to Wescot regarding the overdraft they have wrote about, offering them a small payment per month and enclosing a monthly budget sheet.

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