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can any one help me im after some advice

 

i am having problems with Halifax.

 

they have sent me a letter of default notice, my own fault as im refusing to pay the bill as its 400 of charges that they wont help with the account

 

 

they sent the default letter dated the 22 march 2007 saying i should make payment before 22 march 2007 (thats the date on the letter) if not paid by then they will be sending to debt collectors...

 

i have tried speaking to them but they say they are aloud to do this????

 

now before i send them a nasty letter can you confirm they have messed up.

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they haven't messed up.

 

you've defaulted so they can issue a default notice.

 

you should tell them that there is a dispute in place, however. This means that they should stop further action whilst the dispute stands.

 

have you instigated proceedings in order to reclaim your charges?

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they haven't messed up.

 

you've defaulted so they can issue a default notice.

 

you should tell them that there is a dispute in place, however. This means that they should stop further action whilst the dispute stands.

 

have you instigated proceedings in order to reclaim your charges?

 

cheers for the reply

 

i have started proceedings ie the sar letter requesting all the information.

 

the reason i asked if the have messed up is because they have asked me to pay the amount for which i have defaulted on, on the same day they sent the letter, which is an unrealistic time.

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DCA's can't do anything anyway.

 

i would not be so pedantic here

why not pay 'something' and avoid more charges?

they are charges you will get them back

or prob, get the a/c paid off by the charges & then you close it?

 

you need to be really sure what you are doing here

 

dx100uk

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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DCA's can't do anything anyway.

 

i would not be so pedantic here

why not pay 'something' and avoid more charges?

they are charges you will get them back

or prob, get the a/c paid off by the charges & then you close it?

 

you need to be really sure what you are doing here

 

dx100uk

 

cheers as uch as im being pedantic here but with everything to hold in court it has to be 100% correct by the guide lines. correct??

 

then what they plan to do will not be correctly issued??

 

i haven't got a problem paying it, i have set up an agreement with them and asked before i start any payment i want the agreement in writing but havent sent me anything

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ignore the DCA letter THEY HAVE NO POWERS!

the A/C is now in default.

write to them saying this & that you will pay a GOGW £XX PCM direct to the cc Co. they should then refer it back to them and leave you alone

look and read a few threads in the debt collectors forum [the letter template is there too!]

 

this is following the correct plan.

 

don't worry

we are all with you

 

dx100uk:D

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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