Halifax Agreement Enforcable

[mvd]

Hi all,

 

I have send a request and got this agreement back. Can someone please tell me if its enforceable? and if so or not what is the next steps?

 

Is there anywhere a guide on what to look for when its enforceable?

 

Thanks a lot!

Halifax agreement Page 1.pdf

[Bazooka Boo]

So you took this out in 2005?

 

What's the story behind it please? What do you want to achieve?

 

Is this in response to a CCA request you sent?

[mvd]

This is what I got in response of a CCA request. took it out in 2005.

There is a 5k balance and want to know if its enforceable.

Thanks

[dx100uk]

atts unapproved

as the T&C show your pers details

[mvd]

Sorry uploaded the wrong one! Fixed!

Thanks for spotting it.

Halifax agreement Page 2.pdf

Halifax agreement Page 1.pdf

Edited April 29, 2016 by mvd

[Bazooka Boo]

Atts unapproved just means that the info you left on the scans identify you, you just need to ensure that you fully redact all info that can be used to ID you.

 

So you had a 5K loan? When was the last time you paid or acknowledged this in writing?

 

How much do you owe now?

 

What is the reason why you stopped paying this?

[mvd]

I sorted the attachment! Thanks!

I paid the debt for the last 6 years with Payplan however I stopped payplan a few months ago! It defaulted February 2011 so will drop off next year.

Now the aim is to fix my credit score, so that I dontget fleeced on interest rates anymore.

It was for a credit card and there is 5k left. Its managed by Apex.

[dx100uk]

Who is shown as the owner on your credit file..HBOS?

[mvd]

Halifax credit card

[Bazooka Boo]

Unfortunately you won't be able to fix your credit file, the damage is already done, and until this drops off next year, whether you pay it or not, your credit rating won't improve.

[mvd]

I kno that. The question is whether I have to pay it or not....

[Bazooka Boo]

Erm, did you take the card out and spend the money on it?

 

If so then yes.

 

If you're having difficulty paying this? then have you written to the bank informing them of this?

Have you agreed a payment plan with them?

Have you stuck to it?

 

Why did PP stop?

[mvd]

Banks caused the recession which directly affected me.

So I am now looking after number one only!

[Bazooka Boo]

OK, but debt avoidance isn't going to help you, nor is that what CAG is about.

 

Have you written to the bank and told them that you're unable to maintain the agreed payments?

[mvd]

OK, but debt avoidance isn't going to help you, nor is that what CAG is about.

 

Have you written to the bank and told them that you're unable to maintain the agreed payments?

 

I am not about avoiding it! an if I do who cares, they lent the money(unsecured investment) which didn't pay off.

So on the one thread everyone say CCA them...

[Bazooka Boo]

Stick to that thread then, I can't help you.

[mvd]

Thanks for trying

!

[renegadeimp]

Sorry uploaded the wrong one! Fixed!

Thanks for spotting it.

 

Regarding the images in that post... Is that all they sent? Because if so, its not compliant.

[mvd]

That's all they sent. So what's the next step?

[renegadeimp]

Nothing right now. They havent even sent anything that could be considered a reconsituted one, even though they need to send a copy of the original. THey know this.

 

Also, who is chasing you. Halifax or another company.

[martin2006]

Theres nithing else you need do for now unless you receive a claimform.

 

On the face of it the agreement is not enforceable, but that wont stop them trying to claim from you.

 

Come back if they issue a claim

[dx100uk]

they'll sell it on

 

 

dx

[mvd]

Thanks guys. What if they contact me? what do I say?

[dx100uk]

wheres the agreement mate - till then bugger off.

ignore

[mvd]

Awesome thanks! You are going to like the Amex one I am going to upload even more!