CCA request to HBOS

[adarling2006]

hi folk, i've sent off a CCA request to the HBOS back on the 26th april, which put's them in default as off now, only to recieve a letter from the DCA Blair oliver and scott asking for payment of the loan. telephoned them up saying that as their clients haven't produced a copy of the agreement then they can't enforce the debt. they asked for me to send them a cpoy of the letter so that their legal dept can look it over, i've a sneaky feeling they are time wasting. i'll sent them the letters anyway as they still have time to fulfill it. any advice would be welcome.

[dx100uk]

yep dont use the phone.

always keep it in writing

DCA's have a nasty habit of saying things that are not true.

you are doing the correct thing though.

if HBOS have now defaulted [12 working days]

then its a calendar month before they have committed a criminal offence.

 

if you were, you can now stop any payments, write to them saying so.

i am defering all payments until you can provide me with the imformation i have requested. as the A/C is now in dispute, it should not have been passed to a DCA anyhow.

ignore them. or CCA them too!

 

dx100uk

[adarling2006]

so i should just write to them advicing the DCA that their clients are now in default and therefore any action to enforce the debt ie: passing it on to the DCA can't enforce it unless they comply with the CCA request.

[dx100uk]

yep

that should do nicely

 

dx100uk

[adarling2006]

i'll type that up once i get back from work tonight and let them know where they stand and all that, and any other requests from them to pay up will be politely refused until their clients HBOS have complied.

[pford]

Hope you have more luck than I did, been waiting 9 months for the Halifax to comply with the CCA request, at least Blair, Oliver and Scott have backed of now:)

 

But then again don’t know who are worse the Halifax or Blair, Oliver and Scott

 

No it’s the Halifax with the letter they sent last week I do like this paragraph:D

 

Whilst I appreciate your situation we can enforce repayment of this debt under Criminal Justification as spending on the account you have automatically agreed to the terms and conditions of the account and therefore remain liable for the above balance and can be continually pursued as such by our recovery Agents Blair Oliver Scott.

 

Seems its now Criminal.

[adarling2006]

well the clock is ticking on them, after 30 day anything they do will be criminal and i won't hestiate in reporting them and even go so far as to have them charged with harassment. i'll deal with their dog's first though and set blair oliver and scott straight.

[pford]

When was the account opened? the Halifax can't even get that right in my case as well as my date of birth

[adarling2006]

i took out the loan in early 2005 i think, can't quite be sure.

[pford]

i took out the loan in early 2005 i think, can't quite be sure.

 

can't hit you with the s.15 of the CCA 2006 if it was taken out in 2005

when and if they send it make sure it conforms to the CCA1974 regs

[adarling2006]

i'll be looking it over very carefully when i do eventually get it, i'm sure it'll be produced if it goes to court.

[adarling2006]

still not heard anything from HBOS about my loan agreement, their Tame DCA blair oliver and scott are still chasing, although when i did speak to them they said they would be able to get me a copy of the agreement.

But still waiting and not going to hold my breath on it. times up as far as i'm concerned, maybe it's time for another letter to them.

[Oh Boy!]

Just so you know Blair Oliver Scott is the in house nobodys look at the intials Blair (bank) Oliver (Of) Scott (Scotland) they are one and same

 

BOS Bank Of Scotland

[adarling2006]

just to update, got the agreement finally, but only the front cover, also made a formal complaint to my local trading standards and to pass everything i have written to the bank, plus all letters sent to me.

HBOS have passed it on to another DCA caled Buchanan clark and wells, which i quickly got them sorted out by a phone call to them saying that as their clients are in breach of the consumer credit act and are committing a criminal act, that they are also in breach and would they like to end up in court facing harassment charges. was told they would send it back to HBOS.

[dx100uk]

well done

keep going

 

next!!!!!!!!!

 

dx100uk

[adarling2006]

yesterday, i finally got round to posting off the letters i sent them, copy of the original CCA request and copies of the letters they sent me demanding payment even though they were in default and way past the deadline, committing a criminal act, 1st class post to my local Trading standards. Now i'll just wait for them to keep hassling me and demanding payment as each time i get one, will photocopy it and post it to TS. I sure hope they get into alot of trouble lol