halifax mint credit card debt

[bezzy0_0]

Hello can anyone give it this letter once over for your opinions please, letter recieved today,mentions default notice too, back in 2009 which i had not received at all,also mentions agreement ended but still paying mthly in to their direct bank account through internet banking , is that right? if the pic to small to read any ideas how to make them bigger? whats nex,t account dispute letter ?

 

 

LETTER IS DOWN ON POST 6 TO READ

Edited March 10, 2011 by bezzy0_0
spelling pic resize?

[bezzy0_0]

Edited March 10, 2011 by cerberusalert

[cerberusalert]

Ignore the letter, they are trying to confuse you. If they cannot produce an enforceable agreement the most they can do is ask for payment, they cannot enforce it through a court.

 

You'll just have to see what else they provide before you decide how to continue.

[bezzy0_0]

thanks for reply appreciated , there is sorry looking reconstitued cca's x2 with this letter , cannot make heads or tails off them all copied extracts of what they want you to read and very little what i supposed to get, LOTS OF RELEVANT OMISSIONS I GUESS, cannot find anywhere when agreement started , whats owing , interest /cancelation info ,very poor in my opinion , would put them up but thave to wait till reach 20 posts 1st, did not receive dn back in alledged 09, been paying through internet banking a reduced agreed amount not missed , do i send in the letter of dispute now await what they come back with?

[cerberusalert]

Well they do say in their missive that they've requested a signed copy which they are going to send under separate cover so see what turns up.

[bezzy0_0]

Helllo everyone , has any one had simular circumstances of the below, short story, requested cca for credit card account , sent of sar , usual fob off paperwork sent back , sent cputr 2008 confim denial or holding current cca , no mention or replys to this one has yet, did get back letters which were not expected,letter reads:

 

i am writing in regards of recent payment to the above numbered account

 

(no details of when they refer to)( that wouldn't be my recent token payment you received then:roll:) then goes to say:

 

the card number quoted by your bank/building society was incorrect, so your payment could not be applied automatically to your account. on this occasion we have manually applied your payment to your credit card account

 

(funny that, has i have used the same automatic online payment procedure from my account to them for last 3 years with out any issues what so ever:???

 

(are they up to something i am not aware off ?)

 

from an angela taylor senior manager customer services

 

also 2nd letter received

 

you recently wrote us with a complaint regarding your halifax credit card

i responded to your complaint on XX march 2011 and in that letter i enclosed a cheque for £25.00. however sadly due to a processing error it seems the check(how they spelt it)lol, was not included in the letter and has now been cancelled for that reason.

 

(what letter sent ?dated has a above , did not get one never mind a cheque)

 

please see the enclosed cheque and please accept my opologies for this delay.

 

( dont recall sending a complaint letter has such, has they have never to date sent me their complaint procedures that i had requested)

 

sent by peter kerr customer relations

 

ANY ADVICE WELCOMED

Edited April 13, 2011 by bezzy0_0
spelling

[harrassed senior]

Halifax are allegedly useless at actually reading and understanding the content of letters sent to them. I have, in the past had terrible troubles with that very point, and had I known of CAG then I could have taken them to the cleaners, sadly it is too late now. They are, of course, not alone in that particular failing, I would recommend resending your letter typed in at least font size 20 (I know will use alot of paper) and request that although their previous responses are very interesting and will be carefully filed away, you now require a personalised reply to the points raised therein.

 

I wish you luck, but don't hold out too much hope!!

[bezzy0_0]

Halifax are allegedly useless at actually reading and understanding the content of letters sent to them. I have, in the past had terrible troubles with that very point, and had I known of CAG then I could have taken them to the cleaners, sadly it is too late now. They are, of course, not alone in that particular failing, I would recommend resending your letter typed in at least font size 20 (I know will use alot of paper) and request that although their previous responses are very interesting and will be carefully filed away, you now require a personalised reply to the points raised therein.

 

I wish you luck, but don't hold out too much hope!!

 

thanks for that , reply appreciated ,

still not sure what there up to , should i put the £25 pound cheque in my bank?

still in dispute with them,I dont want to be firing off more letters to query the strange letter replys, just leave them stewing over the CPUTR 2008 RECENT REQUEST .

[bezzy0_0]

Hello everyone, not been on my thread for a while due to dealing with others, anyway update of info /letters sent to me between march and up to may 2011, i ave posted 15 atachments to be followed next page by another 11 so read all , esp the S.A.R request only ackowledged a few days ago somewhat 70 days late , is there any compensation procedure i need to be doing with halifax , has all others complied with the deadline.?still have recieved nothing to date in regards to sar and they are aware i want to reclaim bank charges etc, any advice on what they have sent me in regards to cca enfocibility with the reconsittuted?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Edited May 15, 2011 by bezzy0_0

[bezzy0_0]

continued from above post.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

dont understand why they sent me the last letter with the data sheet i never requested anything like this?any thought anyone?

[bezzy0_0]

CAN HALIFAX CREDIT CARD SERVICES OFFSeT MONIES FROM MY LLOYDS TSB BUSINESS ACCOUNT URGENT INFO REQUIRED HAS SOON HAS THANKS , THIS IS WHATS SENT TO ME TODAY

 

 

 

ANYONE PLEASE?

 

Also can tell me i am suppose to receive regular monthly or yearly staements of account,

 

has i have not had any sent to me since default for a few years or more now , why sent this one

 

above now> is it because i have recently stopped paying them ?

Edited May 17, 2011 by bezzy0_0

[bezzy0_0]

Really need your urgent help with this one guys ,

getting no response eleswhere with in other tread posted recently,

 

have a credit card debt with halifax fo 4k and in dispute of them not locating my original cca, which they have admitted they cannot produce, but they still insist that its still enforcible, sent me reconsituted ones , copied from what??

 

i have also hopefully a safe account with lloyds tsb business, of 27 yrs , want i want to know ,

 

can halifax offset funds from my lloyds tsb acccount , do lloyds tsb operate independant licence meaning halifax will not be able to offset??see below sent other day,

 

 

any speedy advice really appreciated

[cerberusalert]

can halifax offset funds from my lloyds tsb acccount

I would move those funds ASAP, they do have the right of offset.

[brokebutnotbeatn]

you need to act quickly I'm affraid. they do and they will. barclays put me into overdraft and I'd been with them for 30 years! now I am not but I am unable to close the account as my ex won't sign any papers!

[Undercover-Elsa]

Just to ease your mind a little, they have started putting that on all unpaid accounts, so it's not a specific message to you. Still open another business a/c though!

Alliance & Leicester do one which you can open and run online.

[bezzy0_0]

I would move those funds ASAP, they do have the right of offset.

 

thanks for really speedy reply cerberusalert, appreciated,

well i was dreading that response,

the real problem is that i would love to do what you suggest ,but its not that straight forward for me.

my lloyds tsb business account, i am disabled, run a business which is just about providing a living for me and my dependants, one of children is severely diabled,

most of the funds coming in other than salary, which is not alot because of my disibilty,

are from my dla disability living allowence, war pension, housing benefit, and working tax credit which amounts to over 1k mth

the problem is because of my x4 defaults in 2008/09 with credit card compines in the past, i have a bad credit rating,

following advice on here a few months back i tried to get a parachute account in order to move the direct debits i have and have all my credits from dla etc paid in there too, but i got turned down by citibank, has i believed they were favourable according to posters , i have no ccj's etc,,

i have recently got rid of my long standing overdraft with lloyds has to pricey, so running no overdraft, in credit too. not by alot though,

if halifax do take out funds we stand to lose everything, get behind rent to the landlord, possibly lose lease of 11 years we had so far,have no where left to bank with, if i cannot get a parachute account,

i could run the lloyds account a bare minimum so they cannot take too much ,which pretty much what i do anyway,

but i am sure i would not get another business account elsewhere, and not sure if its good idea to reapply for another basic parachute account so soon , its only been a few mths since last refusal.

so what options do i have left open to me?

1)although i only stop paying halifax for 1st time last mth(hoping to go SB route) do i pay a £1 token fee mthly. etc?

 

 

2)???????????????????????

[Bazooka Boo]

Try the Post office or the CO-OP for an account.

 

If all else fails then, Lloyds will/should inform you that they will be using another account to offset, in this instance you can send them a letter informing them of a right of appropriation, by which you basically inform them that they cannot touch any money in your account as it is all spoken for.

 

http://www.consumeractiongroup.co.uk/forum/content.php?578-Right-of-Appropriation-Stop-the-bank-from-taking-your-money

[cerberusalert]

The Cooperative do a basic a/c, everything but chequebook or overdraft. It can be applied for on-line or over the 'phone.... http://www.co-operativebank.co.uk/servlet/Satellite/1193206368743,CFSweb/Page/Bank-CurrentAccounts

[Undercover-Elsa]

Also the Post Office do a no credit check account JUST for benefits to be paid in. No frills, you can only withdraw cash, but a lifesaver as a last resort:

 

 

http://www.postoffice.co.uk/portal/po/content1?catId=19400181&mediaId=19900206

[bezzy0_0]

The Cooperative do a basic a/c, everything but chequebook or overdraft. It can be applied for on-line or over the 'phone.... http://www.co-operativebank.co.uk/servlet/Satellite/1193206368743,CFSweb/Page/Bank-CurrentAccounts

 

thanks , i noticed this one a little while back, but i am sure i remember reading avidly in the forums that people were being turned down even for this account,

that had simular credit ratings has myself, would the timing be approaite in regards to credit checks for the co-op account being made,

bearing mind there will a footprint of my last refusal on file a few mths ago,your advice is good , i know what to do , i have to get myself in to gear so to speak , also i am aware my credit file is pretty much trashed, not borthered about that has dont want or intend to get credit again. dont want another refusal really

[odydog]

be very careful with Halifax,i know someone who had a debt with them and they started taking it out of his mothers halifax savings account!

[cerberusalert]

People were having problems when they applied in the branch offices, the front desk staff didn't seem to know/comprehend about these a/cs.

bearing mind there will a footprint of my last refusal on file a few mths

They only stay on for about 3 months, but even then you are not asking for a credit a/c.

[OnMyWayOut]

Did you say the Lloyds account is a business account? If so is it in the name of the business? They won't be able to offset from that account if it is, as a business is a separate legal entity. If it's in your own name (say as a self-employed person or sole-trader) then maybe they can.

[bezzy0_0]

Did you say the Lloyds account is a business account? If so is it in the name of the business? They won't be able to offset from that account if it is, as a business is a separate legal entity. If it's in your own name (say as a self-employed person or sole-trader) then maybe they can.

 

i am the latter, sole trader:sad:

[bezzy0_0]

can anyone tell me if this letter received is a standard template threat amatic letter , or is there need to urgently reply to it , thanks