Halifax/1st Credit

[babydoll0141917]

Hi Me Darling

 

Yep I sent email yesday,, so should get a letter in a day or 2..I also sent Halifax an Email and asked them if they held the CCA for the account ..they sent me the aaplication form and said andI quote I REFER TO YOUR RECENT COMMUNICATION AND ENCLOSED IS A COPY OF YOUR SIGNED APPLICATION I HOPE THIS MEETS YOUR REQUIREMENT ;;

 

Well Halifax it dont ..I asked For the AGREEMENT not APPLICATION FORM ..So i will now email them again and ask again )

 

 

I do remember when I had this account it was a Telephone Application..Then I got this to sign ..Maybe this application is infact the CCA ..)

[adarling2006]

Did they send you the terms and conditions?

[babydoll0141917]

There was T & C on the back of the form ..not sure how ligit they are ..the codes dont Front to back and it looks like Leaflet form to me

[adarling2006]

Are they the historic terms and conditions or current, if current remind them that you need the terms and conditions that were in force at the time you applied. Also remind them that documentation needs to be legible and to send you a copy that is, as that is what the law and courts would require.

[babydoll0141917]

Nope they look like historic as £20 late payment fee..when 1st cred sent the same APP form they sent with it a current a Credit agreement that has present T & C..Never seen the new Agreement before

[adarling2006]

Ok, post them up and let us have a look and the agreement too if you haven't already done so.

[babydoll0141917]

I will get me son to scan them up tomorrow..they were on here but have disappeared ,,the link below is a guy who has the same CCA has me ..Im not sure why it wont highlight tho

Court claim received - 1st Credit / Halifax

[adarling2006]

You've received a court claim from them today?

[babydoll0141917]

NO ..that is a link Ive sent you to a Cagger that has the same Application has me ..He has received a court claim ..Take a look you will see what my App and Historic T & Cs are

[adarling2006]

Oh ok my bad, I blame tiredness from work lol

[babydoll0141917]

Aww no worris..Its that time of night when we all seeing double ..spech after a few wines too LOL

[babydoll0141917]

UPDATE last year I recieved a SD from Crapquest,,come through the post didnt bother with Setting Aside .....they then past it to Muckhall ..Never heard from them again..now today a letter from Crappy saying..they are going back to Marbles for the info ..account on hold blah blah

 

Obviousley the SD was a threat..and they have giving me a different Ref number to use too,,Left hand dont know what the right is doing, and wrong account number on letters..They can Fox trot and Oscar

[babydoll0141917]

Hi

 

I have just checked my credit report with noodle ..the default I had with halifax has gone..Is this because 1st credit have brought the account ?? And they will re add it in their name ?? if so

 

does this mean I will have to wait another 6 years before it drops of my File ?

[dx100uk]

no, they can only update the account.

 

dx

[dx100uk]

several threads on same debt merged

 

dx

[babydoll0141917]

Yeah thanks.

 

And thanks for your imput..its the first time Ive know a default to disappear..all the others have stayed but just changed names when sold on

[adarling2006]

What's happening on the haliprat sar front?

[babydoll0141917]

Im Naughty I still aint sent it yet,, thats because that has been quiet and im trying to sort one of OHs out ..I will get it done

[adarling2006]

Ok

[babydoll0141917]

Will update when I do

[babydoll0141917]

UPDATE

 

Well has you all know Halifax sold their accounts to 1st Credit

..I asked 1st credit for a CCA request.

.they came back with the same App/CCA has all the other DCAS

they even sent Statements of accounts for 2 years only tho

 

..I emailed back and said it wasnt good enough,

and that I wanted SOA for the duration of the account

 

..I heard nothing then this AM I received the Application again .

.New T&Cs and this letter

 

it says and I quote

 

Please find enclosed a signed copy of the original agreement,T & CS at the time the agreement being signed and T & CS at the time the agreement defaulted

 

Inaccordance with Section 78 of the consumer Credit Act 1974 please find below statement of accounts

 

A the state of the account £2.000

B the amount if any currently payable under the agreement by the debitor to the Creditor ...£.2000

C the amounts and due dates of any payments which, if the debitor does not draw further on the account, will later become payable under the aggrement by debitor to creditor ...£2.000

 

 

The account is on hold in the interim and we look forward to hearing from you with your comments reqarding the enclosed documents

 

Now they have not sent no statement of accounts like I asked ..

And the amount they are claiming ,

 

Are they saying that is all they want from me ???

[babydoll0141917]

Well has you all know halifax sold their accounts to 1st credit

..I asked 1st credit for a CCA request.

.they came back with the same App/CCA has all the other DCAS

they even sent Statements of accounts for 2 years only tho

 

..I emailed back and said it wasnt good enough,

and that I wanted SOA for the duration of the account

 

..I heard nothing then this AM I received the Application again .

.New T&Cs and this letter

 

it says and I quote

 

Please find enclosed a signed copy of the original agreement,T & CS at the time the agreement being signed and T & CS at the time the agreement defaulted

 

Inaccordance with Section 78 of the consumer Credit Act 1974 please find below statement of accounts

 

A the state of the account £2.000

B the amount if any currently payable under the agreement by the debitor to the Creditor ...£.2000

C the amounts and due dates of any payments which, if the debitor does not draw further on the account, will later become payable under the aggrement by debitor to creditor ...£2.000

 

 

The account is on hold in the interim and we look forward to hearing from you with your comments reqarding the enclosed documents

 

Now they have not sent no statement of accounts like I asked ..

And the amount they are claiming ,

 

Are they saying that is all they want from me ???

[BRIGADIER2JCS]

A CCA request provides an ''agreement'' and a statment of the account at the present time if you require more inforamation you must make a Subject Access Request (SAR) to

Halifax.

[babydoll0141917]

Im not so much worried about that brig,,More about the amount they are now asking for..As its alot less than the original amount,,Is what they asking for in post 1!! ALL they are asking for ??

[BRIGADIER2JCS]

My guess is that this is only one of the debts, the SAR I think is the way forward now, too risky to make guesses.