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Can the Halifax do this?


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My mother received a letter today advising her that her tracker bond taken out in June 2013 at 1.7% AER/Gross was wrong

and that they had sent the wrong Certificate of Investment.


Today they have sent her a duplicate Certificate Of Investment which advises that the AER/Gross interest rate will now be 1.19%


How can this be so?


She took out the product because 1.7% was attractive to her at the time

and the bank base rate which the tracker is linked to has remained constant at 0.5%.


I have attached a link to the letters. How do we stand with this and what action should we take please?



HSBC Current - Prelim sent 14/07/06 £585 claimed :shock:

Halifax Current- Prelim sent 14/07/06 £176 claimed:eek:

HSBC Current- LBA sent 25/07/06 £585 claimed:cool:

Halifax Current- LBA sent 25/07/06 £176 claimed:cool:

Claims settled 12/08/06 Halifax £176,HSBC £485 :p

A & L Switching Bonus 03/02/09 £100

Citi Financial Europe PPI reclaim 02/06/09 £1890 :cool:

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**you can post up images/letters by this method immediately..you don't need 10 posts**


set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!



ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.


************************* ************************* *******


************************* ************************* ***********


DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...



if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/


use www.pdfmerge.com


convert existing PC files to PDF [office has an installable print to PDF option]


it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs


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

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB


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


YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done



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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