Jump to content


Akinika/Halifax Credit Card - now letter of claim


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1427 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I CCA'd Akinika re a Halifax Credit Card that I took out in 1999 and defaulted on in 2009 for which I have been paying token payments of £1 ever since.

 

Originally the debt went to Iqor.

 

In reply to my CCA request Akinika sent me the visa card application form only

- doesnt have terms and conditions or APR rate or how much credit was offered therefore I think it's not a credit agreement.

 

They say

"We write further to your recent communication and now enclose copy statement/bill provided by our client for your reference.

 

We confirm that the above balance is correct and we require your proposals for settlement of this outstanding balance by return."

 

The balance was typed in above the reference number, not a separate doc.

 

Also,

looking through a 2003 Equifax report I see that the account number linked to that credit card was marked as 'satisfied' in 2002.

I vaguely remember upgrading the card at that point to a better deal with better rates and a bigger credit limit.

 

How do I respond to Akinika who seem to think they have fulfilled their obligations?

 

Thanks.

Edited by citizenB
Link to post
Share on other sites

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?175-General-Debt-Issues

 

I suggest if you have more of the same type of thread needed to post up, you use the forum I have posted the link to above.

 

Which is the General Debt Issues forum.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

In response to a CCA request you are entitled to receive...

 

Copy of the agreement or a truthful reconstruction.

Statement of account

Terms and conditions from the time the account was opened and at the time of default. If variations were made to the T &Cs you should receive a copy of those as well.

 

IMHO, if they have not provided this information, then you could simply write and say you do not believe they have fully complied with their statutory obligations under the CCA - however, others will likely say, why bother ?

 

If they were to issue a claim against you, then the fact they have not complied with those obligations is a defence in itself !

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

If your credit report shows that the account was satisfied - I think it is purely an accounting term that shows that at that time the balance was either written off the books and transferred to another account (you say you upgraded) or when they sell the debt on to a DCA.

 

The account should then start being reported by either another DCA or transferred to a different account reference.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Anni is iqur

 

Sounds like they've been cash cowing you for years

 

Pers I wouldn't bother writing back

 

If iqor could have done court they would have by now

They don't hang around

 

I take it this has long been off your credit file

 

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... 

Link to post
Share on other sites

Then I'd be leaving the milking parlour

 

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... 

Link to post
Share on other sites

Yep

 

They know the rules

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... 

Link to post
Share on other sites

  • 2 years later...

Hello all,

 

I received a 'letter of claim' from Lowells on 24/12/2017 who were assigned the account on 27/6/2017.

 

I believe I need to respond to this as a pre action protocol.

I have not responded to any of Lowells communications.

 

I've looked through some of the posts on here and believe I need only tick Box D (dispute) and box I (information) and send them the template letter as below.

 

Is that correct or do I simply tick Box D and state there is a problem with the legal agreement?

 

The response I got from Akinika when I requested the CCA was sent to Halifax who sent me my one page application signed and dated in 1999.

It was illegible so that is another of my grounds for dispute.

 

Thank you for your letter dated xx/xx/2017.

 

As the letter contains a threat of litigation, it is being treated as a formal letter before action.

[removed] - dx]

Link to post
Share on other sites

so the debts been sold to lowells

have you have a notice of assignment prior to this?

 

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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...