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Halifax Defaulted Account


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Hi

First Of all going back to July 2008

 

I had a Halifax current account which has a overdraft limit of £2500.

 

I was overdrawn for just a little amount and i was given charges of £35 and £28

for going overdrawn due to a payment of £5

 

e.g. i bought lunch at world for £5

and same day i bought McDonald £4.43

 

i would get charged £35x2 and the one of £28.

 

This continued for a whole month until i got back to my main residential house ( mums house)

and opened my post to see all the charges being applied.

 

I was silly and immature to not take these charges seriously,

 

i simply spoke to them over the phone and told them i wont be paying a penny

until they remove them as no one told me in the bank when i took out a overdraft of £2500

that each time i use it i would get charged so much!

 

This debate carried on,

 

i kept receiving letters and threatening debt collecting letters

however i ignored the problem.

 

Now a year ago a debt colleting agency on behalf of Halifax contacted me for the collection of £2890.54

which i nearly had a heart attack listening to,

 

i explained that the only reason i went into a dispute was as they put unfair charges totalling well over £800!!

now that's continued to grow over the past several years with all the extra charges etc.

 

i don't have a record of much but i did say to the agency that if they can get Halifax

to send me a statement which shows ive actually used this money for my own good.

more then 75% of the money is all unfair charges and fees they've added.

 

But ive never had anyone send me a statement of charges till date

 

I know ive made a huge mistake by leaving this lying but no wits become very difficult for me

to get any credit due to this default.

 

And now they've got debt collecting agencies pursuing this again and its just way to much mental stress.

 

i don't even have a job yet!

 

 

i was 19 at the time of the default and really regret this foolish immature attitude i had then.

 

Is there anything i can do to waive all the charges? or at least most of them?

 

Thank You for your advice in advance

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is this on your credit file please?

 

if so what is the defaulted date in the debt summary

 

and who is shown as the owner now?

is it still Halifax?

 

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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yes I have checked my credit file today and

 

I can see it appears on my file as ' CAPQUEST IVESTMENTS LTD'

 

The default date as shown on Credit file is 25/11/2010 .

 

In my first post I made a error,

 

ive just seen that I wrote july 2008 infact it was in july 2009

when I started disputing the charges and this went on and on .

 

also I can see that the balance has increased to £3035 now

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ok so its sold on

nothing to do with Halifax as such them anymore.

 

if they sold it on

 

odds on its a lemon debt

hence your story about all the PENALTY charges.

 

strange the default date is so late mind.

 

I would have expected the default to be a lot nearer to when you had these charges

 

which was 2008?

not some two years later?

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

No that was my error as I said before it was July 2009 not 2008.

 

What's a lemon debt?

 

What can I do about this? As I've finally grown some brains now and regret leaving this like this

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a lemon debt

 

when a creditor sells a dept like this

 

its makes your wonder why.

 

in this case it the unlawful PENALTY charges.

 

they wouldn't dare do court

so they sell it on.

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

a lemon debt

 

when a creditor sells a dept like this

 

its makes your wonder why.

 

in this case it the unlawful PENALTY charges.

 

they wouldn't dare do court

so they sell it on.

 

Oh I see, I've actually asked for proof of the charges etc but no one till date has show me anything or been able to in the past 2 years whenever I've spoken to a debt agency.

 

 

What would be my best action to take now? To resolve this?

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exactly..

 

you could SAR Halifax get the proof.

 

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

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