Halifax CCA Now sold

[niklad]

I wrote to Halifax on the 23rd August 2013 for my CCA

- I got a letter on 2nd October 2013 saying that they have a reconstituted version

and that I was being mislead about any claims that I may make as to the validity of the Debt.

 

Either way the debt disappeared of my credit file and I have heard nothing since.

 

Suddenly I have had a letter saying they have sold the debt and I am being called every day by 1st Credit.

 

Any Suggestions?

 

As an aside,

rather embarrassingly,

the first time they called me was a few hours after I found out my father had passed away.

 

 

I was upset and fired a tirade of swearwords and verbal abuse at the person.

 

 

It's not how I behave normally - that won't cause me any problems going forward with this will it?

[dx100uk]

no 1st credit are a DCA

they ARE NOT BAILIFFS

never talk on the phone

 

 

send them a CCA request

 

 

dx

[niklad]

So send another new CCA to these new chaps? Thanks for the speedy response!

[theoldrouge]

cca request to 1st Credit,

 

then post up their response minus pers details

[SabreSheep]

How much roughly is the ourstanding debt

 

What year was the account opened?

 

What type of debt is this? Credit card? Overdraft? Loan?

[niklad]

Hello guys, they finally got back to me.

 

 

Here is the letter.

 

 

Also enclosed was every statement they ever sent me.

 

 

I hope I managed to get all personal info off there.

 

 

Somehow this proved a challenge for me so I hope I have done it right.

 

 

Once again thank you al for your help and support.

 

All of my information appears to be correct, yes. (although the address is a little mangled).

[theoldrouge]

sadly,( also as taken out after 06/04/2007,) they have complied with s78

[niklad]

Oh well. What was strange is that had gone off my credit file and I heard nothing from Halifax for over a year.

 

Thank you for your help.

[theoldrouge]

you will probably find that at some stage 1st C will start reporting it

 

make sure the original default date is not changed

[dx100uk]

point of order for future ref...

 

 

please don't post up anything bigger than 2mb attachments.

 

 

I've sorted those 19 pages

instead of 17Mb, its .4Mb now