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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
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    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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old halifax loan - NO CCA found


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the only one I am keeping paying is blair oliver and scott as I do get statements every 6 months from halifax for but i do think there must be charges etc so if they have a cca then I am going to do a sar to see whats on it. If they have no caa then even better no pay!!! I'm actually starting to feel quiet good about all of this thanks to cag. Cant believe I have paid them all for so long though:|

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  • 3 weeks later...

Hi guys need some advise please.

I have today received a letter from halifax saying

 

you have requested a copy of your agreement at present we are unable to locate it. However our process have always been to obtain a signed credit agreement before granting any credit facility. As such we believe that the agreement if still open was validly executed and the agreement remains enforceable.However please be aware that section 77 only applies during the lifetime of an agreement. If your account has been closed, then there will no longer be a regulated agreement between us.

 

This was a loan that was taken out in 1998 and did get defaulted on. It isn't showing on my credit file either.

 

Does this letter mean it is actually unenforceable I dont really understand it. I do get a statement every so often from the but the halifax address is always different and the letter I received today isnt even actually straight on the page its all wonky? I also sent them a £1 cheque which I havent received back.

What would my next step please.

 

Thanks for any help.

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Ok you have been paying BOS for this for how long?

The default will have been removed from CRA files after 6 years paid or not, although it cannot be statute barred because you have been making payment but the creditor would have serious trouble in starting any action throughb the courts a no action should be taken after 6 years.

 

It is entirely up to you if you stop making payments and place the account in dispute due to the lack of the CCA.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Yes been paying them for many years. I also asked for a sar at the same time as I am convinced there must be lots of charges and maybe ppi they failed to answer to any of this too! I think I may continue to pay £1 instead of £20 and place it in dispute any ideas?

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yes def

 

are you saying they have sid there is no SAR info to be had too?

 

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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so has the money been cashed?

 

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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You say you asked for the SAR at the same time as the agreement..

 

Did you specifially send a Subject Access Request and enclose £10.00 ?

 

If you believe there are lots of charges and mis sold PPI - then you must do a proper SAR.

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

1: How can BCOBS protect you from your Banks unfair treatment

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

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Ok send the account in dispute letter from the CAG library amended to state that the fee cheque has been cashed even though they have failed to provide.

My feeling is that they may come back with a statement that the £1 fee covers them ''looking'' for the CCA.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...

hi quick update sent sar and cheque off havent received any reply they have signed for the letter but not cashed the cheque. I also sent the account in dispute letter and have dropped payment to £1 per month. What is my next move as I do want the paperwork as am convinced it must have ppi on?

 

Thanks for your help

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await the sar return

 

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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Share on other sites

They have 40 calendar days to comply with the SAR request - when was it signed for ?

 

Make sure you print off a copy of the receipt/signature from the RM website - if you have to issue a claim or make a complaint to the Information Commissioner that is proof it was received and when.

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

1: How can BCOBS protect you from your Banks unfair treatment

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

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  • 1 month later...

quick update

 

I have had a letter from halifax saying they dont have the cca but its still enforceable as I wouldnt of got the loan without it!!

 

Their complaints department have also said the same thing.

 

They still havent responded to my sar and have asked if I still wanted it! Erm yes please...

 

I have written another letter saying unless I receive the cca and the sar by 30th Jan 2013

I will be seeking advice from the financial ombudsman.

 

Is this correct though for halifax to say the loan is still enforceable.

 

I have also stated that until I get the things I have requested I will only pay £1 per month.

Please advise.

Thanks

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prove it halicrap!!

 

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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quick update

 

I have had a letter from halifax saying they dont have the cca but its still enforceable as I wouldnt of got the loan without it!!

 

Their complaints department have also said the same thing.

 

They still havent responded to my sar and have asked if I still wanted it! Erm yes please...

 

I have written another letter saying unless I receive the cca and the sar by 30th Jan 2013

I will be seeking advice from the financial ombudsman.

 

Is this correct though for halifax to say the loan is still enforceable.

 

I have also stated that until I get the things I have requested I will only pay £1 per month.

Please advise.

Thanks

 

Oh dear, what a lot of rubbish.. As it has been proved many times - in court - that Halifax might have obtained signatures - the documents themselves were not compliant with Consumer Protection laws at the time.

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

1: How can BCOBS protect you from your Banks unfair treatment

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

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  • 2 months later...

hi yet another update

 

spoke to someone in the complaints department as they still haven't sorted my SAR out.

 

They reopened my case sent me £70 for my inconvenience!

 

Today I have received a letter saying the the documentation I have requested has been removed from their system.

 

It guess it must be the CCA they are talking about as they previously told they didn't have it.

 

Where do I stand with this

 

do I send a dispute letter to Halifax direct.

(I have bypassed Blair Oliver scott as they are useless).

 

I have pp all the forms in name as loan was in hubby's so they cant scan his signature anywhere.

 

I feel as if we just go around in circles!

 

I have been given a different address to ask for the SAR which I am unsure to do or to just leave things alone. Please advise.

 

Thank you

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it wouldn't hurt as there might be ppi to get back

 

 

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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