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    • Yes she went back to them and asked them to remove the cancellation however the girl on the phone went to ask someone and came back and said she couldn’t.   Thing is they then tried to charge her £1000 to reinsure, I contacted a broker and got it down to £760, she went back to them and they miraculously could do it for £690!!  It feels like they are using this to fleece her, her previous ins was £300.   I will get her to write a complaint to them...do you know if there’s an insurance ombudsman she could contact?    I just feel it would have been fair fair to suspend the ins pending the court outcome!    Thankyou.
    • Hi,    Yes my daughter drove through a red light.   Yes her DVLA was still registered to her previous address at Uni hence them not being able to contact her hence the MS90.   This is her 1st car and she simply didn’t think to re register her car to our address she genuinely forgot!  However we left our forwarding address with the letting agent but the house was subsequently sold and the new owner used a different letting agency so communication was lost.   The courts enlisted the bailiffs and when the current tenant found her via Facebook she was genuinely mortified as she had no idea that she had broken this light.   She immediately rang the bailiffs and court who advised her to make The Statuary Declaration, whilst waiting for that date to arrive she thought she better ring the insurance company to explain what was happening thinking they may have to suspend her policy however they cancelled it on the spot she asked them not to but they just went ahead charging her £50 to do so.   At court after she explained what had happened the court dropped the MS90, and reduced the points and fine to what it would have been originally.   Going back to the insurance company they said they couldn’t remove the cancelled policy and it would show on her record for life and tried to charge her £1000 to reinsure!!  Previously it had been £300 as she had built up 2 years no claims.   I contacted a broker who said he could insure her for £760, she went back to her original insurance company, Admiral who then said they could now do it for £690!!  How can they suddenly do that sounds unscrupulous to me and that they are using this cancellation to now fleece her!!   She is a medical student and needs the car to get to the different places she is working on placement but can’t afford to pay this extortionate amount of money.  I would expect her policy to go up a bit but would say max £500 is proportionate?    I will I’ll get her to contact them Regards making a complaint in writing as you have suggested.   Thank you.    
    • I’m not sure who you mean by the OD and do you want me to see if the PDL is enforceable or not pay it at all?   And what should I do about the NatWest? Surly there’s a case getting it wiped if the charges came from them charging me for a PBA that I had told them to close and they said they had. Also am I paying the credit cards back in full or trying to get a reduced settlement?   Thanks Andrew 
    • Initial payments have already come in - we wouldn't have started otherwise. There's about £3,500 outstanding. The £800 was verbally agreed initially, but later correspondence from the customer shows that he's accepted the £800 for the extra work.
    • Each should send a cpr 31:14? Cant produce signed documents = no liability??
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saratwo

Halifax credit card agreement 2006 - unenforceable?

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Hi

 

I have written to the Halifax to request validation of credit card debt (£7800) and asked for a certified copy of the original credit agreement.

 

They have sent me a photocopy of the "original signed application form" and a "reconstituted version of the original agreement".

 

The form was dated 7 July 2006.

 

Is this 'agreement' enforceable?

 

Thanks

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hi ya welcome

 

can you please convert your uploads to PDF

 

try this:

 

**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!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

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

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

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

.

DO IT IN MSPAINT.EXE or any photo editing program

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

http://freejpgtopdf.com/

..

if you have multiple scans/pics

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

or http://www.freepdfconvert.com/

or

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

.

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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you made a cca request? was that all they sent?


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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What they have sent does not fulfill a CCA request, what is the story behind your request? Anyone chasing you?


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Don't know what they sent you in their previous letter that they refer to, but you cannot fulfill a CCA request in dribs and drabs.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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With the previous letter they sent a copy of their "reconstituted version of the executed agreement comprising both the original and current terms and conditions". It does appear that they are cobbling it together as they go along.

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Do the two pages in post 3 constitute an enforceable Credit Agreement ?

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as in post 5

 

tell us the history of the debt please

 

is it on your CRA file

 

who is chasing you?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Debt is for £7800.

 

Interest only was paid for a period of time until it became unaffordable.

 

CCCS advised me to set up £1 per month payment to Halifax which I did for a couple of years.

 

It is on my CRA file.

 

I cancelled these payments in early December and sent a request to CEO of Lloyds Banking Group (Halifax) for a certified copy of the original credit agreement.

 

Replies have been from the Manager of Card Services saying

"There is no requirement under CCA to provide a copy of the original signed agreement,

but notwithstanding that fact, please find enclosed a copy of the original agreement.

 

.. I have now enclosed with this letter a copy of your reconstituted version of the executed agreement

comprising both the correct original terms and conditions and a copy of your original signed application form..

 

. By providing you with the documents attached to this letter we have satisfied our obligation to provide a copy of the executed agreement under Section 78 and Section 60/61.

 

.. As such, the agreement you have with us is fully enforceable and we shall continue to treat it as such.

 

We will not be entering into any further correspondence with you regarding the requirements relating to the provision of copy agreement."

 

Thanks

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DX , if post nine is meant for me then I have a thread in the Halifax bank and BOS forum already,

if not sorry.

 

I can see that the documentation in post 3 does not satisfy a CCA request but

I was wondering if the docs would constitute a valid CCA at the point of conception.

ie are all the prescribed terms included etc

 

It's just that I have been sent similar paperwork in respect of my alleged Halifax agreement.

 

thanks

 

trout

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trout

please keep to your own thread

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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with what is in the cca return PDF I would not like to stand in front of a judge

and basically say

 

I didn't take out this card m'lud.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Debt is for £7800.

 

Interest only was paid for a period of time until it became unaffordable.

 

CCCS advised me to set up £1 per month payment to Halifax which I did for a couple of years.

 

It is on my CRA file.

 

I cancelled these payments in early December and sent a request to CEO of Lloyds Banking Group (Halifax) for a certified copy of the original credit agreement.

 

Replies have been from the Manager of Card Services saying

"There is no requirement under CCA to provide a copy of the original signed agreement,

but notwithstanding that fact, please find enclosed a copy of the original agreement.

 

.. I have now enclosed with this letter a copy of your reconstituted version of the executed agreement

comprising both the correct original terms and conditions and a copy of your original signed application form..

 

. By providing you with the documents attached to this letter we have satisfied our obligation to provide a copy of the executed agreement under Section 78 and Section 60/61.

 

.. As such, the agreement you have with us is fully enforceable and we shall continue to treat it as such.

 

We will not be entering into any further correspondence with you regarding the requirements relating to the provision of copy agreement."

 

Thanks

 

have you sent them an sar yet?

 

what does your cra file say about this debt?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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