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    • Evening all,   I have deliberated over this offer for two weeks and I have decided to take their offer. I do understand that some may prefer us to go to court and receive a judgement but with our personal circumstances and my current military commitment that could become an issue. I am so grateful for all the help and support you have all offered me over the last few months. I will continue to monitor this site and push all those that are being wrong to get in touch.   Thank you! what you all do is truly amazing!
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Halifax Credit Card pre 2007


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What is happening at the moment for people who have credit cards taken out before 2007??

 

I know I am having a company called [EDIT] looking at my Halifax Credit Card which I took out in September 2006.

 

I hope I have a good chance of unenforceability for this one!!

 

Any advice please.

 

Thanks!!

Edited by dx100uk
no advertising please - dx
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I am having a company called [EDIT] looking at my Halifax Credit Card which I took out in September 2006.

 

 

 

Hi,

 

It's something you can do yourself for free without using some claims company and it doesn't apply in all cases so you're definately not guaranteed to 'win'

You can also re-claim charges on these accounts.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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[EDIT] is quite well known here.

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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  • 2 months later...

I am very bewildered by what I have just received from Halifax Card Services.

 

I signed a credit agreement back in September 2006 with them.

 

My company [EDIT] recently wrote to them requesting under section 78 for a true signed executed copy.

 

I am slightly confused by the response from Halifax.

 

I was given a copy of my credit agreement by Halifax back in October 2010; This showed clearly my signature, etc etc.

 

The so-called original copy of the credit agreement received today bears no resemblance to what I signed.

 

It would appear to me that Halifax have [EDIT] altered my agreement without my knowledge or consent, what they sent me today is far different to what I was sent back in October.

 

I think because Halifax knows of the April 2007 loophole, I believe my agreement has been altered AFTER sending me the copy back in October.

 

Is this legal of Halifax??

Edited by ims21
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So you are absolutely certain the account was started in 2006 ?

 

Do you have some proof of that.. statements from Halifax any letters they might have sent around that time.. old credit card ?

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...

I instructed Bank Smart to deal with a Halifax Unenforceable case back in November last year.

 

They gave me an address in Truro, Cornwall, in order to send correspondence to i.e. bank statements, etc etc.

 

I received a worrying e-mail from Bank Smart this morning claiming never to have received bank statements etc etc at the Truro office!!

 

However, the documents were signed for as I sent them special next day delivery.

 

Bank Smart are claiming that the persons who signed for the paperwork don't work in their offices!!??

 

All the Police could advise me is to check for anything suspicios!! They can only get involved if something criminal occurs!!

 

I am at my wits end as I sent bank statements, and a credit agreement to this address!!

 

This address Bank Smart provided me with also appears on their website!!

 

Can anyone advise me what to do now please as I am worried as to where my paperwork is!!??

 

Thanks!!

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  • 4 weeks later...

why use a reclaims co .......NO!!!

 

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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no!!!!!!!!

 

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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Hi

I feel that you have just wasted your money. Are they going to go to court on your behalf to have it declared unenforceable? I doubt it.

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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Yes citizenb, I have copy of original signed agreement dated September 2006, and a copy of a credit card statement with a 2006 date on it!!

 

I am not quite sure why you would employ a company to request a copy of something of which you have the original! Or have I lost the plot here ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Claire, you had 3 threads all in respect of the same issue - these have now been merged. Please keep to one thread per issue.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Just a quick question regarding a Halifax Credit Card I took out online in September 2006.

 

I note reading through my original signed September 2006 agreement some errors:-

 

a) Lender has failed to sign and execute the agreement

b) No credit or amount of credit being shown

c) Repayment information is completely missing

 

 

Does anyone know if this means I have a good case of unenforceability or can I argue the agreement in any way over missing prescribed terms??

 

 

Thanks!!

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the things is

 

its really a waste of time looking to wriggle out off your debts with a 'paperwork' error now-a-days.

 

all those loopholes were closed years ago,

 

so , barring these issues

 

why are you trying to get out of the debt?

tell us about itand what issues you have with it

 

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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Fed up with people merging threads its confusing leave it alone!!

 

Claire, you have started 4 different threads - all asking / querying the same issue. You will not receive a different answer..to those you have already received.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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