Old Halifax Visa account question

[summerbreeze]

Update
Apparently I have not contacted them despite the recorded delivery letters I sent to them .
So they have instructed the powerfullcontact people to call and see me !

Perhaps they will bring my CCA with them ???

[middenmess]

Originally Posted by summerbreeze

Update
Apparently I have not contacted them despite the recorded delivery letters I sent to them .
So they have instructed the powerfullcontact people to call and see me !

Perhaps they will bring my CCA with them ???

Writing to them really appears to be a waste of a stamp as they either fail to acknowledge or reply in waffle that does not address any of the points that you have made.

Power2connect will turn up as they did with me and I now have a charge of £21.85 debited to my terminated/not terminated existing/non existing account

I'm not sure of the job description for these people but I'm pretty sure that the door to their office has 'Idiot's Department' on it!

[summerbreeze]

Updating
I wrote a letter of complaint on 27th Nov asking the direct question as to do they have the CCA?
I got a letter saying they are looking into my complaint and will respond by 27th Dec ..then another letter saying still investigating and will respond by 27th Jan.
Then letter a few days ago saying ... still looking into it ...sorry ..will respond as soon as poss.
Whats going on ?

[GARY68]

Hi Summerbreeze,
any updates ..

not been on the halifax thread for some time just seeing what there upto these days.
I used to tell them they were being charged £25.00 per letter.
Default you recieved seems interesting,you can get them back later with that, lets see how it pans out, if i was you i would always quote the complaint refrence no in all letters too, i would expect you now to recieve the long letter about they have complied bla.. but i think halifax want to resolve complaints rather than prolong them,
have you recieved original agreement yet?
Subbing

[summerbreeze]

Hi Gary
No sign of an agreement at all ... Albion keep writing to me and increasing the amount they say I owe.
I am still waiting for the response to my complaint.

I really dont think they have anything to send me ..its such an old account

[GARY68]

IMO Halifax are a push over and so are the others, they can add as much as they like, and im sure you not bothered.

i sent this to them as a example.never heard anything after, and its only tiny one

Albion Collections
PO BOX 123
Leeds xx0TH JUNE 2009
LS1 1AZ

Acc no xxxx xxxx xxxx xxxx
Dear Sir/Madam,

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY THIS ACCOUNT IS IN DISPUTE


I refer to your letter of xx/xx/09; the content of which has been noted. I am disappointed that my letter dated xxxxxxx appears to be insufficiently clear to enable your company to discern that this account is clearly in dispute

However, a legal request for a true copy of my Consumer Credit Agreement (Consumer Credit Act, 1974) was received by HALIFAX Bank on xx/xx/09 with relevant fees .Halifax have been in Default since xTH xxxxxx 2009 and until such times as they are able to honour this request, no payments will be forthcoming to anyone.

Under the circumstances, I suggest that you now liaise with "HALIFAX" before contacting me again. Nevertheless, any further attempts to pursue payment on a disputed account will be forwarded to the relevant authorities without any further notice.
In addition, I draw your attention to the Office of Fair Trading’s guidance on debt collection

The OFT guidance which was issued July 2003 (updated December 2006) relating to debt collections and what the OFT considers unfair, I have enclosed a quote from page 5 of the guidance which states :

2.6 Examples of unfair practices are as follows:

h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment

Clearly your pursuance of this debt falls into this category.
I HAVE NOTED YOUR REPEATED ATTEMPTS TO CONTACT ME AND HAVE RECORDED THESE AS SUCH TO WHICH IAM USING TO COLLECT A CASE TO FORWARD TO THE OFFICE OF FAIR TRADING UNDER THERE DEBT GUIDANCE RULES.
FURTHER MORE YOUR ATTEMPTS TO THREATEN ME WITH COURT ACTION WILL BE COUNTER CLAIMED IF NOT INITIATED BY ME
YOU MUST ALSO TO TAKE NOTE THAT ANYBODY SUCH AS “ALBION COLLECTIONS” TURNING UP AT MY HOME OR BUISNESS WILL BE REMOVED
Your telephone calls are in breach of the Office of Fair Trading guidelines. If you continue with them after the receipt of this letter an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office. For your information note that ALL telephone calls are taped.

This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’ in that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. A formal complaint, containing copies of all correspondence including yours, may be submitted to the relevant authorities. This will be relevant to questions of your fitness to hold a licence under the Consumer Credit Act, whether or not it results in a prosecution.

Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

Communicate in writing and ONLY in writing, your telephone calls will NOT be answered.

I trust that this letter clarifies both my position and your own.

Yours faithfully,


Ps you are now being charged £25 for this letter and any future letters will be for the same amount, should i find the need to write further,

[Dotty50]

Hi, I wondered who Albion were, they left a message on house phone last week, but thanks to Cag, found out who they were.

I thought Halifax were playing ball with me after being designated my personal account manager within their Customer Priority Team.

Reached an agreement in September and asked for written confirmation............. ........still waiting! Made further calls, 'sorry we will ensure it is sorted'

DN received 26th Jan (dates look ok), then another letter stating they do not have a current phone number for me! They have been speaking to me on my mobile for the last SIX months!

Another complaint letter gone off to them!

[GARY68]

Hi Dotty
the personal account managers are there to sweet talk you and be friendly towards you and are there to.....help you in paying...its a different approach,i have to be honest when i spoke to the polite woman...i nearly paid too.

what agreement did you make reduced payments... and they still defaulted you.
they dont give a s*** really.

[Dotty50]

Hi Gary,

They agreed to reduce interest rate to 12.69% initially for 12 months asked for confirmation in writing (should it ever be passed elsewhere)

Here is my thread so not to highjack from Summerbreezes.

http://www.consumeractiongroup.co.uk...lifax-cca.html

Couldn't agree more with what you say, think I may start on other BOS CC with Sainsburys!

So if you are male you get a female manager and vice versa? Different approach, as you say!

[Dotty50]

Ever got the feeling you have a shadow?

[summerbreeze]

Hi All

I got this letter today





What do you think ?

[summerbreeze]

Any Comments?

I think I can put this one on the back burner ?

[Dotty50]

I would have thought so Summerbreeze.

Wouldn't mind one of those myself!

[GARY68]

Originally Posted by summerbreeze

5 kilos of Subject Access Request today.
Starts at 1991 with a brought forward balance.

No sign of a CCA or even an application form.

Maybe I will get some more....

Hi Summerbreeze

well what can they do know, magic one up. sure they would have included something

I know you will ,but i would keep your last letters admitting they havent got an agreement, and note the complaint ref no.

my guess is you will recieve a few more letters, which we can reply to from dc's which will get returned to halifax etc.. then they will stop.(sure they will just give up),
I would include all letters from dc and tell them there joining the list for a complaint to fos , they hate that at the Halifax,
surely they cant process your data to refrence agencys they have nothing signed,

Please note you may also consider this letter a statutory notice under Section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies including any defaults. Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’, you must outline your reasoning in this matter and state upon which legislation this reasoning depends.

but as far as enforcing this in court, surely your laughing,
lets hope this has been put to bed