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Arrows/Capquest /Shoosmiths - Halifax OD debt

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Hi anyone out there, so glad I found this forum.

 

I had an overdraft about 3 years ago with Halifax for £1500

 

I have had numerous letters from Capquest which I ignored and then last week Arrow Global .

 

This morning I received a letter from Shoosmiths threatening court action and I am now very worried.

 

As much help would be appreciated.

Thanks

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Ask Halifax for copies of all statements of account, so you can see how much of the overdraft is fees.

If Halifax won't do this easily for no fee, then you might have to submit a subject access request letter paying the £10 fee due.

 

Write to Shoosmiths advising that you are currently investigating the matter with Halifax and ask them to put it in hold.

 

Did you ever tell Halifax you had money problems or any health issues that caused money problems ?


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tell us a bit more about this debt first before doing anything...

 

have you run away from the debt and moved ?

 

its a bit strange for Halifax to sell this if its only from 2014..unless you have?

 

oh and read the letter properly...

it doesn't say will anything.

 

capquest/arrows/shoesmith are all the same printer in the same office

 

a DCA is not a BAILIFF

and have no such legal powers at all


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Thank you for the replies

I am sure the debt is 2-3 years old, I am still at the same address as when I took out the overdraft . I was hounded with phone calls and letters from Capquest and then only last week it was Arrows and now Shoosmiths. The letter from yesterday says that " if you cannot agree in the next 14 days to repay the outstanding balance with Arrow Global we will issue court proceedings against you for the full sum together with legal costs "

 

Thank you

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Shoosmiths do issue court claims on behalf of Halifax.

 

Get hold of all statements of account from Halifax and see what charges were added.

 

Write to Shoosmiths advising that you are currently seeking information from their client Halifax regarding disputed issues.

 

 

Ask them to put the matter in hold, while you obtain information from Halifax and obtain advice.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Can I ask why do I have to ask Halifax what charges were added ?

Should I get advice as in CAB , Step Change etc

 

Thanks again

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If Halifax continued adding charges for ages, then you might be able to negotiate a reduced amount of debt.

 

This is why i asked you about whether you contacted Halifax about debt and/or health issues, as Halifax did have responsibilities, if they knew of hardship issues.

 

Only worth contacting Stepchange, if you have other debts and you wish to enter into a formal debt management plan.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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scan the letter up to pdf please

click upload and read


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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