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hackedoffwithllyods

credit payment offer accepted, paid transfer moorcroft after 2 months

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hi list

My wife has lost her job, she was self employed.

 

After running out of cash she missed several payments to Halifax credit services.

 

I found out about payment plans etc.

 

My wife phone up the Halifax,

made a request to freeze the interest,

she stated that she did not have an income.

 

I spoke to Halifax, and offered them £10 per month until such time that our joint finances improved,

currently I am the only bread winner and I am making all mortgage payments, buying food etc.

 

After two months of paying £10 per month,

we have received a letter stating

'As we haven't been able to agree a suitable repayment plan we've transfered your HALFIAX debt to debt collection agency.

 

I have phoned up the Halifax on 11/12/2012 and asked them what is going on.

They claim to have sent a credit default notice 3 months ago which they cliam allows them to do this.

I have pointed out that we reached a payment plan with them, this payment plan has been honored by myself.

 

The Hailfax called back today and said that the messages was unclear offered me £30 because of the 'inconvenience' of their answers

and that they had not made themselves clear. I have asked them to explain themselves in writing.

 

1. Are they allowed to do this type of thing after accepting a payment plan? I have not defaulted on it.

2. I wonder why they have offered me £30 if they are so innoccent ?

3. What options are available to me?

 

My wife did not choose to loose her job, its problem of being self employed.

I am hard pressed to make my own payments otherwise I would have offered them more.

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1. yes

2.they are not. they just treated you poorly by not acking the offer.

3. keep pay them, ignore the DCA

 

have you got all the statements?

 

get reclaiming fees/ppi

 

dx


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