Halifax Say No to Dispute - loan/card - no paperwork

[Conniff]

Did you receive any paperwork with ref to the loan in the following few weeks after applying ?

[Lucky7even]

Did you receive any paperwork with ref to the loan in the following few weeks after applying ?

 

No, they refused to comply with the letters I sent them.

[Lucky7even]

Halifax passed my credit card debt account onto Moorcroft Debt Recovery Limited.

 

The account had been in dispute with Halifax when the debt was passed onto Moorcroft.

 

Moorcroft did an unauthorised credit search on the 16th November 2015.

 

I have made a complaint to Noddle that the credit search was unauthorised and Moorcroft are refusing to remove the search.

 

I have made a formal complaint in writitng to Moorcroft that the credit search was unauthorised but have yet to receive a response.

 

I have been in written contact with Moorcroft to ask them to verify various documentation which they are refusing to supply to prove that they own the debt, they wrote back saying that they have not purchase the debt but are simply collecting on behalf of Halifax.

 

So if they don't own the debt why do an unauthorised credit search!?

 

Can anyone please advise me what next to do.

[unclebulgaria67]

It is not unauthorised. When you signed up to the account with Halifax, you accepted terms which allowed Debt Collectors access to data in your name including CRA's.

 

The way Moorcroft work, is that they take over the chasing of accounts for creditors and don't buy the debts. If there are any outstanding issues with creditors, you need to write to Moorcroft stating the reasons for the account being in dispute with Halifax and they will either respond to the dispute or pass it back to Halifax.

[Lucky7even]

It is not unauthorised. When you signed up to the account with Halifax, you accepted terms which allowed Debt Collectors access to data in your name including CRA's.

 

The way Moorcroft work, is that they take over the chasing of accounts for creditors and don't buy the debts. If there are any outstanding issues with creditors, you need to write to Moorcroft stating the reasons for the account being in dispute with Halifax and they will either respond to the dispute or pass it back to Halifax.

 

 

I have made it clear in writing to Moorcroft that the account has been and remains in dispute with Halifax since the 24th August 2015.

 

 

I have written to Moorcroft on several occasions to make them aware of this and they are not taking a blind bit of notice.

[unclebulgaria67]

I have made it clear in writing to Moorcroft that the account has been and remains in dispute with Halifax since the 24th August 2015.

 

 

I have written to Moorcroft on several occasions to make them aware of this and they are not taking a blind bit of notice.

 

Then complain to Halifax head office that you are being subjected to harassment, while Halifax have not answered to the dispute.

 

If you have had a complaint oustanding for so long, you could go straight to the FOS. Once the FOS contacted Halifax, you should see communications stop.

[Lucky7even]

Then complain to Halifax head office that you are being subjected to harassment, while Halifax have not answered to the dispute.

 

If you have had a complaint oustanding for so long, you could go straight to the FOS. Once the FOS contacted Halifax, you should see communications stop.

 

 

I have just awaiting a response from them.

[Lucky7even]

I have made a complaint to Halifax about the fact that they have passed the accounts onto Moorcroft whilst it was in dispute, etc etc and am awaiting a response from them.

 

 

I have also asked Halifax that I want compensation for the stress that they have caused as I am classed as vulnerable due to being disabled with health problems

[fkofilee]

Just a DCA doing what a DCA does, however, if you are really unhappy and ant to get heard;

 

[email protected] - Group CEO

[email protected] - Head Of Retail Banking etc

[email protected] - Comp Secretary

 

Lloyds BG are still responsible for their slave DCA in this case.

 

 

Moorcroft;

 

[email protected]

[AndyOrch]

Thread moved to the appropriate forum.

 

Regards

 

Andy

[dx100uk]

full story here

seems to be going round in circles

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?441151-Halifax-Loan-amp-Credit-Card-Irresponsible-Lending&p=4779819#post4779819

[AndyOrch]

Should it be merged DX?

[dx100uk]

its a mixed thread regarding the loan and card

 

cant see why not?

 

dx

[AndyOrch]

Threads merged.

[fkofilee]

OP, if you want to complain, drop an email to the guys in post #159

[Lucky7even]

OP, if you want to complain, drop an email to the guys in post #159

 

 

I have done that and they have no responded.

 

 

PLEASE STOP MERGING THREATS.

[Bazooka Boo]

I have done that and they have no responded..

 

So did you escalate it any further?

[fkofilee]

I have done that and they have no responded.

 

 

PLEASE STOP MERGING THREATS.

 

Do not have a go at the Site Team... They are doing their best to help you!

And besides all that... IF you didnt get a response from the higher ups then I think you probably have done something wrong.

 

I think you should complain again, with a sternly written letter and send a copy by post and PDF via Email.

 

Just an FYI. Osorios email addy DOES accept PDFs

[Lucky7even]

When I asked recently for a copy of my credit card agreement, this was all Halifax had sent me.

 

Is the credit card enforceable!?

[dx100uk]

pers details showing

unapproved

 

upload as PDF please

and where are the other pages of T&C's please.

 

who is this from

and who owns the debt? Halifax still?

or a dca?

[Lucky7even]

There were no T & C 's supplied just what was provided.

 

The debt is Halifax and is still with them at the moment.

[Lucky7even]

Halifax credit card agreement taken out online in September 2006.

 

Has not been signed and executed by Halifax in the correct box.

 

No T & C's provided.

 

Its a Halifax card, and its still with Halifax, at the moment.

 

If they try and make a claim, would this be enforceable!?

IMG_20160504_0004.pdf

IMG_20160504_0005.pdf

[dx100uk]

the usual refers to clause 8.2

 

 

so wheres that on what they returned

[Lucky7even]

whats clause 8.2?

 

This is all they sent me nothing else.

[dx100uk]

go read what you posted up...

 

 

it references clauses 8.2 and also 12.2

if they've not sent sheets detailing those T&C's how can it be complete...

 

 

 

 

dx