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hi just thought id post this see what happen

 

 

i have had a love hate relationship with the halifax for a number of years and just thought id see what anyone thinks on here as i keep hitting a brick wall .

Right i opened a credit card account with these jokers a number of years ago and having tackled them on two seperate occasions and won :whoo:

i thought id have a go at ppi

 

 

the way i remember it is i opened my account and i was forcefully persuaded that i should take out a ppi with it :|

fair enough my memory isnt what it used to be and we are talking more than ten years ago prob closer to 20 :!:

 

 

i could be remembering it wrong and i could of said no to the ppi

but way i remember it i signed up for it

 

 

they are saying i definetly didnt have one last letter off

them they got very shirty and said having checked your account again :oops:u did not have this with us

 

 

now what i want to know is

do i still persue this cos have started to do this 3 times now and then backed down when i got the fob off letter

cos am really not sure what to do cos

 

 

its 50/50 and is it worth the fight is this a standard fob off letter

or is this exclusive to me cos i cant keep starting this then getting stuck when they fight back yet again any ideas ppl ? xxxxxkia

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Well if you have been paying PPI then the payment should appear on your statements. On the basis that you don't have your statements you need to begin by sending them an SAR.

 

Do that now. Ask for everything they have got on you going back to the beginning of the account – in any form.

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Already tried that ages ago and they didn't send me true copies just a load of print outs which is wrong as it's not what I asked them for and doesn't show any of the payments I made or what I was been charged for so kinda hit a brick wall there 😧Xxkia

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when?

was this the one that cl took you to court over?

 

 

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... 

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In addition to the questions asked by DX above, are you telling us that you send a subject access request – a statutory demand for disclosure which imposes legal duties, that they didn't comply and that you just let it go?

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Well if you have been paying PPI then the payment should appear on your statements. On the basis that you don't have your statements you need to begin by sending them an SAR.

 

Do that now. Ask for everything they have got on you going back to the beginning of the account – in any form.

 

I can do that but it dates back the account over ten years although I only decided recently to go after them again

 

they have continually fobbed me off at every turn saying I never had a ppi with them and as I couldn't prove it as no proper statements I gave up ��

 

Prob big mistake that cos it's been like an itch I can't scratch I always felt I should of pursued it xxkia

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