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Halifax Credit Card Help please


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hav ethey answered your complaint yet?

 

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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await the BCOBS complain reply

 

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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Also, after looking at the FSA website, under the BCOBS section, it states "BCOBS does not contain rules on the level of prices"

The best option may be TCF (Treating customers fairly) rules.

But I think they are guidelines rather than law.

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  • 4 weeks later...

For the credit card I am paying £20 a month and they have wrote back saying that if I don't phone them to make arrangements to pay they are going to charge me £200 per month interest.

The bank won't answer my complaint and have given me 14 days and they are going to pass it on the collections department

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  • 3 weeks later...

The bank won't respond to my comlaint they have said if I don't pay the overdraft fee and I think they must have put interest on because they want over £200 they are passing it on to their collections department, do you think it is worth sending the complaint again?

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yes

 

they are not treating you fairly

 

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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Share on other sites

  • 2 weeks later...

I have sent the complaint again

 

I have received a letter today from their solicitors saying I need to pay the unplanned overdraft of £225

and make an arrangement to pay the rest of the overdraft or

they are going to start legal proceedings

and I am being charged interest on a daily basis

 

I don't know what to do now

 

I can't pay what they are asking

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the letters do not say WILL

 

every word BUT

 

read them carefully

 

I would get that BCOBS complaint off.

 

read that RBS link.

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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Share on other sites

ignoring a BCOBS complaint?

 

send it to the CEO

 

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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Share on other sites

When I sent my complaint, I outlined the reasons I was in financial difficulties and included the paragraph the guy told me further up in this thread do I have to include anywhere I am making a BCOBS complaint?

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yes

 

imho I would write to the ceo.

 

new letter ref to bcobs

use the rbs letter as your basis

 

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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Share on other sites

rbs link after clicking bcobs

 

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... 

Link to post
Share on other sites

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