Halifax One Credit card CCA response

[jjmanchester]

Hi all,

 

On the 18/3/2014 I wrote to the Halifax BOS with a CCA request for an account I have been paying via Payplan for the last 6 years.

 

This was on the advice of someone else on this forum - same person advised I post here when I had a response.

 

On the 15/4/2014 they wrote back to me enclosing a copy of the original signed form and the signature is mine and does relate to my account.

 

This is one of 6 accounts Payplan were distributing payments to on my behalf and to date, is the only one to respond.

 

My question is, what do I do now?

 

I cannot restart the payments with Payplan as I've not had a response from the other creditors

and I think I'm correct in saying that the account is no longer "in dispute" as they have responded?

 

The estimated total owing on my Payplan account is considerably less than the amount Halifax claim I owe on the account.

 

I'm desperate to clear up my credit file (the original default has dropped off my file, but I don't want anything new registered on my file).

 

Any advice anyone has at this point would be hugely appreciated.

 

Thanks,

JJ

[jjmanchester]

More info on this -

 

Sorry if I'm appearing a dumbass on this, but having read through everything again, it appears that they have only sent me a copy of the Credit Agreement I signed for the account. It appears genuine, having my address at the time the agreement was taken out, address and direct debit details at the time and my signature.

 

They haven't included any statements or breakdown of what I owe though. They say in their letter than they have fulfilled their obligations to s.78 by sending my a copy of the signed credit agreement. My interpretation of s.78 is that they need to provide me with a breakdown of what I owe though - is this correct? Can I dispute this and should I continue to pay them in the mean time?

 

I'm really not trying to escape my obligations here, I just have no idea how they've arrived at the figure they say I owe them, I think a large chunk of it will be charges and interest applied to the account after I entered into the agreement with Payplan.... I just don't know how to proceed from here. Payplan can no longer help me - I really want to avoid any more adverse information on my file, I got into trouble through redundancy nearly 8 years ago now and really don't want to continue to be punished indefinitely for it!

 

Any advice anyone can give at this point would be hugely appreciated - reading a lot of confusing information and I'm new to this.

 

Thanks in advance

JJ

[dx100uk]

good well done.

 

it is typical that debts still with the original creditors

that they are able to produce the original documents.

 

so now, you could do an I&E or just directly pay them the figure PP were sending them

via your internet web banking portal.

 

the debt cannot re-appear on your file as its already dropped off.

 

however they ofcourse could go for a CCJ

but I doubt it.

 

dx

[jjmanchester]

Thanks for the quick reply dx.

 

I don't have a breakdown from them on how they've arrived at the figure they say I owe. It's close to double what Payplan estimate. My guess is it consists of charges and interest. I thought they would provide this as part of s78 of the CCA request??

 

Should I send a SAR request to get clarification?

Can I get any of the interest or charges removed?

Should I continue to pay if this is the right thing to do while I wait for them to come back (is my account still technically in dispute)?

 

Apologies for all the questions and thanks again for your help.

 

JJ

[dx100uk]

hey no sweat

 

your account if you think the CCA is compliant

is no longer in despute.

 

yes send an sar

 

PP should have negotiated no charges & freeze of interest.

 

dx