Hi, I'd like to ask a question regarding removing defaults associated with the Halifax and M&S. Since my last post I have had numerous dca's chasing me over these debts, sometimes up to 3 different DCAs at the same time! I respond to all of them with the 'rather bemused', 'telephone harasment' and 'coming to my home' letter templates. In summary neither the H or M&S had enforceable agreements, but this did not stop me continually getting harassed by these DCAs. I have made attempts for a F&F settlement, but didn't receive a response. I recently did a credit check and noticed defaults posted by both the Halifax and M&S. There are also several searches by Wescott, recently and on multiple occasions. Can I get these defaults cleared from my file? And why are DCAs doing multiple searches on my file? Should I be making official complaints regarding the H, M&S and the DCAs? Any help or suggestions would be greatly received. Many thanks.

Subbing with interest.

Hi Sparkie, Any news?

Very well done smt & pt & others. Made my day:)

Hi Molly, & Happy Easter. You will get loads of good advice on here. Whilst awaiting others input I would recommend getting copies of your employer's policies (covering long-term sickness, disability etc.) & get clued up on them. Also make sure you write everything down in a diary; who said what, when etc. Print off all emails/letters to & from your employers regarding your sickness. Especially handy if you think you'll be sacked. I was in a similar situation a few years ago so I know how hard it is to cope sometimes. I'm sure others with far better advice will add their comments. I shall keep an eye on this thread and answer questions/help where I can. Good luck. P.

Subbing with great interest. I am also in arrears with the Halifax and have found this thread very informative. Good luck JJ69.

Subbing with great interest. Good Luck.

Can't wait to see if Mr. Lever responds again!

You're welcome 389, although not my website. I didn't do all the apparent hard work, but what a find! Let me know if/when you get a response. A couple of years ago I managed to get £120 compensation out of British Gas, for repeatedly missing appointments (to change my prepayment meter). I was almost looking forward to them not turning up again;) Good luck.

Hi Mjr, First thing I'd tell your wife to do is to ask her employers for a copy of their grievance procedure. If she can convince others to do the same then all the better. Raise a grievance in the correct manner and see what happens. HTHs.

Here you go mate. A couple of pages down you'll find BG's Chief Exec's email address... CEO e-mail addresses - CEO email address - chief executive officer - managing director HTHs.

Hi Carriesue, I believe bank overdrafts can be challenged in a similar way to credit cards, but someone with more experience will I'm sure be along shortly to advise properly. Good luck.

Hi Fletch, I'm sure better informed users will be along to help soon, but in the meantime are you claiming any benefits? If so the sick note needs to be sent to your local Jobcentre Plus. If you are not in receipt of benefits go check out the following website Incapacity Benefit - introduction : Directgov - Disabled people This explains Incapacity Benefit. I'm so sorry you lost your father under such circumstances. This cannot be easy for you. I lost my father myself when I was 20 odd and it took me a good couple of years to come to terms with it, but this was because I didn't seek help! I hope posting on here is the first small step in getting your life back on track. It can & will get better for you I'm sure. Anyway I hope this helps in a small way.

Subbing. Good Luck.

Subbing with interest. Good luck.

Subbing with great interest. Keep at em & good luck.

Hi Angel 1, please sub away. Davey, Thanks for the continued support. Just been reading up on UK26s threads. Fascinating! Just to let you know, I sent the letter, to both M&S & Halifax. Awaiting replies & will post up when I get them. In the meantime M&S have passed debt over to Collect Direct. I've been responding with the appropriate letters. L8R.

Hi, OK, so i've stopped writing drafts, and now think that the following short response is all I need to say to them at the moment. Complaint Reference: *** Account Reference: *** ACCOUNT IN DISPUTE Dear ***, Thank you for your letter dated ** January, the contents of which have been noted. Thank you for complying with the CCA1974, but what I require is a document that is currently enforceable in a Court of Law. The document that you are obliged to send me is a true copy of the executed agreement that contains all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully *** Could someone please give me their thoughts before I send. Thanks.

Hi davey77, Thank you for your insight. I've read (& reread!) the thread link you kindly posted, and considering that my 'goal' is to be in a good position to offer a F&F settlement, I think (for now) a letter to them thanking them for what they've sent and reminding them of what I specifically want, whilst at the same time complaining to Trading Standards, is the best way forward for me. With this in mind could I please post my draft letter for you to check over before I send out? Thanks again.

Hi All, I thought I'd update this thread to say that I have paid the fine & the 3 points have been put on my licence. Does anyone know if I need to inform my insurance providers? Thanks.

Hi All, Since my last post I have received & replied to a number of letters from the Halifax, Blair Oliver & Scott, & M&S Money. I have replied to them all stating the account is in dispute, and unenforceable etc. Today I have received the following 2 page letter from the Halifax... http://i408.photobucket.com/albums/pp165/NikNaks35/20090114/20090114%20H%20CC/20090114HCC1.jpg and http://i408.photobucket.com/albums/pp165/NikNaks35/20090114/20090114%20H%20CC/20090114HCC2.jpg They are basically telling me that they have complied with my request and that this is their final response. My question is, do I now complain directly to the FOS? Could someone please take a look at the letter and let me know what they think, thanks.

I've been following this thread with interest. Well done HP. I bet you're glad you stuck with it! All the best.

Having refreshed myself reading through other threads I now realise a simple response to the H CC, reminding them that what they have sent me is not a proper contract, & pointing out that the account is still in dispute etc. will suffice. I have so many other issues going on at the moment I sometimes can't see the wood for the trees! I'll post this tomorrow. So (and this is for my benefit as much as anyone else!) both the H and M&S credit cards have not supplied proper CCAs, and have been told this by me. Both account remain in dispute & unenforceable. I will update when/if I hear from them. Many thanks.

Hi Everyone, This week I received the following documents from the Halifax, in response to my CCA request. This is the covering letter. http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR1.jpg This one has my personal details (erased) http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR2.jpg This one I have signed (erased) http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR3.jpg There are no signatures or personal details on any of the next 8 copies. http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR4.jpg http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR5.jpg http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR6.jpg http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR7.jpg http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR8.jpg http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR9.jpg http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR10.jpg http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR11.jpg And the following eight also hold no personal details or signatures. http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR12.jpg http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR13.jpg http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR14.jpg http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR15.jpg http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR16.jpg http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR17.jpg http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR18.jpg http://i408.photobucket.com/albums/pp165/NikNaks35/20081121%20H%20CC%20CCA%20Response/HCCCCAR19.jpg As i see it I have been sent 3 CCAs, but none of them are proper. The first is signed by me but not the Halifax. The other 2 CCAs are unsigned by either party. Could someone please help me with a response. Many thanks.

Pat, Thank you for your explanations. I will pay them and move on, as you suggest. At least I fell a lot better now that you have kindly explained. Cheers. Best Wishes.