Halifax now with 1st Credit

[ifhthsbdw]

My Halifax account, which I have always believed to be unenforceable,

has now been sold to 1st Credit who are threatening bankruptcy proceedings.

 

Here is the CCA I got from the Halifax a few years ago.

Is this enforceable?

 

Also, what is the likelihood that 1st Credit will have any paperwork from Halifax?

 

Should I CCA them too?

[ifhthsbdw]

I couldn't post the image, but the question remains.

[citizenB]

Try posting your document using the following instructions

 

Dx100 – Instructions on uploading pdfs

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

What type of letter have you received from 1st credit ?

[ifhthsbdw]

Thanks. I used PhotoBucket but when I tried to include the image in my post I got a message to say that I need 10 posts or more before I could include attachments. The letter from 1st Credit stated that they were "considering bankruptcy proceedings".

[BRIGADIER2JCS]

Why do you consider the debt is unenforceable??

[citizenB]

Righto, yes.. if you are trying to post an image you will require more than 10 posts. If you use the instructions above you can post your document immediately

 

If possible, can you post a copy of the letter as well.. suitably redacted of course.

[citizenB]

Can you also tell us a little more about the debt. Has it been defaulted have you received a Default Notice - when was the last payment made to the account.

[ifhthsbdw]

I haven't paid anything on this for about 3-4 years.

 

I have this document handy, but I have a file full of other documents and letters which I will have to dig out.

 

To be honest, I thought this had gone away.

 

To answer BRIGADIER2JCS,

I believe it is unenforceable because it is an agreement from before 2007 and all they have sent me is a copy of an application form

which I am led to believe does not contain the relevant terms and conditions.

 

They did, later, send me some other stuff but this is in the file I have to locate.

 

Thank you.

[dx100uk]

is it on your cra file?

 

dx

[ifhthsbdw]

It's on my credit file but still listed with Halifax at the moment. I use Annual Credit Report but have a monthly arrangement with them.

[dx100uk]

can you post up agreement & letter

 

sent 1st crapit a cca request too

 

dx

[ifhthsbdw]

can you post up agreement & letter

 

sent 1st crapit a cca request too

 

dx

 

Will do - or will try to do. I've already tried this and can't post attachments, but apparently I can post up pdf files, so once I can convert the images I will do this.

 

Thank you.

[dx100uk]

see post 3 please

 

dx

[BRIGADIER2JCS]

My guess is that they are attempting to produce a reconstituted agreement by providing ans app form and separate terms and conditions to satisfy sections 77/78 of CCA 1974.

 

If I remember correctly pre 2007 Halifax appsserved also as an agreement.

[ifhthsbdw]

[ATTACH=CONFIG]38495[/ATTACH][ATTACH=CONFIG]38494[/ATTACH]

 

Here is the original CCA from Halifax and the letter from 1st Credit. There has been other correspondence but this is the latest.

[babydoll0141917]

No CCA Pic..Only 1st cred letter but to small to read

[ifhthsbdw]

[ATTACH=CONFIG]38496[/ATTACH][ATTACH=CONFIG]38497[/ATTACH]

 

That didn't work very well, so this is round 2.[ATTACH=CONFIG]38496[/ATTACH]

[BRIGADIER2JCS]

I'm told this needs to converted to pdf???

[BRIGADIER2JCS]

Halifax certainly used the dual purpose app/agreement form, as far as I can see this looks ok but is difficult to read.

[ifhthsbdw]

OK thanks. It is actually easier to read but hasn't scanned very well.

[babydoll0141917]

A lot of ppl have these ones ..mine is different from this ..I still dont think mine is ligit either ..to many niggles with it

 

not had that letter from cruds either ..mine was a welcome letter we have brought your debt blah blah ..Have put the account back in dispute..Makes me wonder if these Apps or/and any other paper work is ligit..why sell them on if Halifax thems selves could get the order..I did have a 40% discount in 2009 from halifax ..that tells you something

[ifhthsbdw]

A lot of ppl have these ones ..mine is different from this ..I still dont think mine is ligit either ..to many niggles with it

 

not had that letter from cruds either ..mine was a welcome letter we have brought your debt blah blah ..Have put the account back in dispute..Makes me wonder if these Apps or/and any other paper work is ligit..why sell them on if Halifax thems selves could get the order..I did have a 40% discount in 2009 from halifax ..that tells you something

 

 

I had one of those too.

[babydoll0141917]

Well it makes us wonder how 4 years down the line no court from any1 ..If the Applications are ligit ..there maybe other probs with other paper work,, also Penaulty charges I have a lot on mine..I take yours has been through loads of DCAs and they have all given up?

[ifhthsbdw]

Well it makes us wonder how 4 years down the line no court from any1 ..If the Applications are ligit ..there maybe other probs with other paper work,, also Penaulty charges I have a lot on mine..I take yours has been through loads of DCAs and they have all given up?

 

Yes, I've lost track but it's at least 4. 1st Credit must have a way of doing things that works for them. Threatening bankruptcy is fairly extreme.

[babydoll0141917]

They have done it to alot of Caggers that have these Apps..once you defend they seem to withdraw..they just chancers hoping they can get judgement by default