Link and Halifax Loan + sep Halifax OD

[London1971]

Yup, you are right i just read right back through the thread.

 

Just go somewhere quiet, and take a good look.  I found that most fees are £12, so pretty easy to spot.  

[dx100uk]

all fixed sum fees are unlawful..

 

[Halfwaythere]

Thanks I’m going to go through it thanks both for all your help 

[Halfwaythere]

Are planned overdrafts fees ok? It’s just late charges I’m looking for ? Thanks 

[Will Goodfellow]

On 19/07/2020 at 18:16, Halfwaythere said:

arrrrrgh 12 years!!!!! Why I thought it was 6! ?

 

It is 6 years, the same as any other negative mark on your credit report.

[dx100uk]

AP or Arrangement or DMP will appear in the debt summary line, that prospective lenders can see if they undertake a credit worthiness search, from the day you make the arrangement - till 6 yrs after the last AP payment. that can be for more than 6yrs.

 

plenty of threads detail that here already.

 

as for the arranged OD fee HWT... did you ask for an OD or was it a packaged account fee - whereby you got free insurances too.

 

an arranged OD fee should only be charged if you are in an OD situation on that month

if the OD balance at that point in time is solely made of the sum of any OD fees+any other unlawful fixed sum fees - then it's there charges that have put you in that position, so no OD fee should be levied.

 

this is where a spreadsheet comes into it's own.

if the OD fees and penalty fees to that date are more than the outstanding OD sum, you include it.

 

 

[Halfwaythere]

I have been through all my bank statements provided by Halifax and I only have arranged overdraft fees and some unplanned overdraft fees these total around £1900.

 

I have requested Halifax repay them back to go towards my debt as I am in financial hardship don’t know if I’ll get anywhere. I used the details on the Martin Lewis website.

 

But other than that I don’t have any charges from Halifax 

[dx100uk]

hope you charges them interest at their rate from the date of every charge!

[Halfwaythere]

Oh yes, I’ve asked or 3k in total with interest for two accounts 

 

just shame can’t do with all the interest I’ve paid on my loan 

Edited August 6, 2020 by Halfwaythere

[Halfwaythere]

Link sent me this letter about my CCA request, what’s the chances of them finding it? I have the sars info from Halifax and I’m sure I have the CCA there 

2020-08-15 13.51.27 copy.pdf

[dx100uk]

safe to ignore

safe to stop payment..

 

OPPS the fleecers have been found out...

[Halfwaythere]

I’ve stopped payment which is due to come out tomorrow but I’m sure Wescot will try chase the debt for them I will just send them a copy of the letter and no more.

 

the debt is a Halifax loan taken out in 2016, It paid an original loan I was paying Halifax for from a few years previous and to try and consolidate other debts as a last ditch attempt to get control on my finances which failed.

 

My question is would they need to find the CCA of the newer loan or the one it consolidated or both ?

Your time is appreciated and your patience !

[London1971]

They never found Jimmy Hoffa, that’s probably more likely than them finding  your agreement

[dx100uk]

new thread created for the halifax stuff.

 

post here now for these debts

 

 

[Halfwaythere]

Here’s the agreement I got sent by Halifax’s with the SARs would link have what they need if Halifax send them this ?

2020-08-15 15.10.24 (Merged) copy-1 copy.pdf

[Halfwaythere]

See removed thank you 

Edited August 15, 2020 by Halfwaythere

[dx100uk]

and did you enter the electronic password.?

 

i cant quite understand why they sold this on so quick.

i will gether there was serious compunding issues with further payments to everyone when you approached the debt help charity?

 

 

 

[Halfwaythere]

I presume I entered the password.

no all payments were up to date when I entered the DMP I hadn’t missed any it’s just I owed out nearly 50k and payments weren’t making a dent as I was paying so much on interest. I don’t know why they sold it on don’t really understand the whole process

 

[Halfwaythere]

@dx100uk  do you think if they send them that agreement it will be enforceable ? 

[dx100uk]

well the further you come away from the 2007 changes to the CCA the more difficult it becomes to use a paperwork wriggle .

 

 

i suspect they are frightened of an irresponsible lending claim.

when you took this loan out you used it to settle a previous loan with them & other debt too you indicate?

 

was your credit file already shot and you had lots of addition lending?

 

is there evidence of this in their comms/account log in notes people have made on the account?

 

 

[Halfwaythere]

Just been through it all again I can’t find anything in the comms I can identify but that’s me looking. 
 

Yes I was deep in debt when I took that loan out. lots of unsecured debt with no assets. The loan was to consolidate the other loan I had with them and debts but it didn’t touch it. I also had a overdraft with them that they didn’t sell but passed to Moorcroft to collect.

[dx100uk]

well as said before ignore moorcroft totally.

 

tell us about this previous loan please..

 

dx

 

[Halfwaythere]

I’ve paid the Moorcroft one.

 

from vague memory I think the original loan was taken around 2013/14 and think was for 15k.

 

the second loan was taken out March 2016 and was for 19k. There were some repayment holidays on it: I have linked here some documentation on the application and the process of it moving to collections and sold included in the SARs, wonder if you can understand it? Or would be kind enough to look 

2020-08-16_14_21.45_(Merged)-1_copy.pdf

[dx100uk]

Details of the old loan from Halifax should be in the sar!

 

was the 1st taken out in branch?

and who advised you to consolidate your debts into this online 2nd one?

[dx100uk]

So they refused you twice for this 2nd loan..2013+14.

 

Makes me think even more that they already knew you were a risk and should never have loaned to you.

 

Fast coming to the conclusion you should stick in an irresponsible lending claim