Halifax/1st Credit

[BRIGADIER2JCS]

No PPI..credit limit was 14,300 so 2000 of intrest and charges..Account was from 2001 so fairly oddish ..they can make me BR if they want ..I have nothing to give..Maybe I should ask them

 

Odd indeed on this large amount one must seriously consider WHY no punitive action has been taken after all this time.

 

A SAR to n Halifax is my advice at this stage.

[babydoll0141917]

Exactly my thinking..The DN I have is Invalid..Only giving 6 days to redeem,,,Before Halifax sold it on they offered me a 40% off the debt,,1st Crud have had a year to issue nothing yet just letter ping pong..

[BRIGADIER2JCS]

SAR it is then!!

[babydoll0141917]

Yep I think so thanks Brig

[babydoll0141917]

I need to send 1st credit a letter regarding the CC debt ..Otherwise they are going to consider their actions..Im sending a SAR tomorrow ..do I tell 1st Crud that Im in talks about the documents or do I keep quiet ?

 

Thanks in advance

[citizenB]

I have merged two threads together.. as it is the same companies, it is best to stay with one thread that way people advising have the entire story in one go.

[citizenB]

Halifax will have 40 calendar days to comply with a SAR request.

 

You could write to 1st credit along the lines of, you are concerned that the information you have been supplied with is insufficient and have contacted Halifax to provide this information. You would hope that 1st credit will put any actions on hold until such times as Halifax have responded to you.

 

If I understand things correctly, 1st credit have been in possession of this account since last year ?

[babydoll0141917]

Yep 1st cred have had the account for a year now..Ive already drafted a email but will add on what you have put Citizen,,

 

Thank you very much ..And thanks for merging I forgot I started the other ..Aving a blonde moment even tho Im not blonde

[dx100uk]

this has been going on since 2008

 

if anyone were to do anything

it would have been done by now.

 

sev threads merged.

 

dx

[babydoll0141917]

II know that DX ..So why do they keep wanting me to write to them ..? If I ignore they will issue so Ive read..I really dont think they will go away if I ignore

[dx100uk]

they haven't till now

 

surely the sb date must be very very near.

 

dx

[babydoll0141917]

yes it is ..its early next year

[dx100uk]

I think you've played enough letter tennis.

 

could be why they keep trying.

 

they think a mug awaits

 

dx

[babydoll0141917]

Ohh trust me DX they aint getting a penny with what they have produced ..Im sending one more letter and thats it..Telling them I dont give any kind of money to any person or organization unless they can legal prove they are allowed to collect,,and with the documents you sent you havent..I did get a 40% discount letter of Halifax before it was sold ..that speaks volumes I guess

[babydoll0141917]

Thats the SARs on its way ..The waiting game commences

[babydoll0141917]

UPDATE

 

This is what I received of 1st Credit today .

 

I told them not happy with the CCA/application.

..not enough statements to see how they got the figure

,,Told them Im in touch with Halifax to get documents as I find theirs insufficient..

 

Your comments regarding the legibility of the agreement have been noted and we have reverted to the Halifax for their comments.

 

I have reverted to our in house solicitor regarding your comments that there should be a reference to the terms and conditions being overleaf;

whilst we do not agree with your comments, you are entitled to your opinion.

 

Please be aware the bank is only obliged to hold statements for a period of 6 years,

therefore we would not expect the bank to provide us with statements from 2001 nor are they obliged to send us any.

 

Thank you for informing us that you have contacted the Halifax, the account will remain on hold in the interim

and I look forward to hearing from you with an update within 30 days,

should you require more time to resolve your concerns with the Halifax please inform me of this and I will try to accommodate your request.

 

Yours sincerely

 

 

ANY THOUGHTS on this?? .

 

.I told them they would need original docs if they were to issue

..they have had plenty of time to issue

..but still dont.

.I dont mind playing letter tennis..

.This becomes SB in Feb 14

[babydoll0141917]

UPDATE

 

Have received Sars from Halifax

..what am I looking for ? ..

no CCA TN or DN ..

 

also it states on one of the print outs that if I want a CCA sent I have to follow their procedure

but a copy/app was sent to client.

 

.Now I sent a CCA request recorded in 2008 to them

..they never sent CCA .

.It was only when wescot got Intouch in 2008 and I said account was in dispute due to no CCA that they sent the Copy/App

 

So im beginning to think they do not have a CCA ?

 

Ant thoughts on this ?

[dx100uk]

think you might be right!

 

dx

[babydoll0141917]

OK..Maybe why nothing has happened..I will continue to be in touch with my comments and concerns with 1st credit..Hopefully we can play letter pingpong till its SB in March 2014..Dont want to not answer has someone else on cag Ignored letters and was then issued a summons

[BRIGADIER2JCS]

UPDATE

 

Have received Sars from Halifax

..what am I looking for ? ..

no CCA TN or DN ..

 

also it states on one of the print outs that if I want a CCA sent I have to follow their procedure

but a copy/app was sent to client.

 

.Now I sent a CCA request recorded in 2008 to them

..they never sent CCA .

.It was only when wescot got Intouch in 2008 and I said account was in dispute due to no CCA that they sent the Copy/App

 

So im beginning to think they do not have a CCA ?

 

Ant thoughts on this ?

 

There is no obligation for a creditor to supply a the agreement with a SAR, any DN would likely be a 'generic' copy of what you would have received.

[babydoll0141917]

Seems like they dont supply them when you send a CCA request letter with the £1 fee and recorded Delivery either ,,You only get a copy/App and get told if I want a CCA I will have to follow Halifax Procedure, Which is I wonder

[BRIGADIER2JCS]

Many of these 'application forms' had a dual purposes as app/agreement together.

[babydoll0141917]

Yes I know I read that before.

..So why would Halfax say if I want a copy of the CCA I would have to follow their procedure to get it

..But send a Copy/App...

 

.Its seems to me they havent sent the CCA because I havent asked for it the way they want me too...

 

The App may have the T and Cs on the reverse but if they were there was no indication they were,,

They look leaflet form.

.And I cant read them even with reading glasses on ...

 

This has benn going on since 2008..

 

There must be something wrong some where otherwise why no summons..also the DN is invalid

[BRIGADIER2JCS]

It's a standard (editable) template letter, e.g. enter name here......: type with generic content.

 

If all the Ts & Cs and any amendments are not supplied or are illegible then even as 'a reconstituted' agreement the document does not comply with a sect. 77/78 request.

[babydoll0141917]

On one of the print out it QUOTES .....Unenforcable Agreement.

.You advised

..buy back decline

..copy is legible and enforcable.

 

.Please see attached document from the OFT regarding plain English guidence and consumer rights.

 

WE consider this to be a bad photo copy therefore provide a true copy or Repurchase..

..reply

..Declined

..historic Tand Cs re ordered..

 

It seems as tho 1st credit we saying it was unEnforc and wanted Halifax to buy back the debt

but they keep saying no and saying that the Tand Cs are readable but slightly blurred