Ok Thanks

Hi

Just received the attached from the Halifax today.....?

documentation2.pdf

I take it this does not show on your credit file?

No it does not

Thanks,

I believe it was 2006/2007 may have been earlier but definately no later than 2007, so shall i respond to any letters i receive or ignore!?

Evening,

Please find attached CCA sent by Halifax

Halifax CCA REturn .pdf

scan all the pages to JPG

redact them in MSpaint

pp them into ONE multipage doc

convert that to PDF

and upload

Okay thank you, will do it asap!

Ok thanks sorry for the confusion of this thread!

There is about 10 pages!

I will arrange the scanning

Thanks!

Hi

The original letter says we uave requested the information from our client and will forward it when it is received, the documents today were straight from Halifax

who did you send the CCA request too please?

 

 

dx

Moorcroft who wrote to me and said they have requested it from Halifax which was the credit card, the reply was from Halifax, just alot of printed reconstituted t&a's!!

Hello all,

I have just received a 'reconstituted' cca from the Halifax (as i cancelled my dd with Moorcroft)

not my original agreement that i signed just a load of terms and conditions

they say that have met my request and they will not enter into further correspondence with me!?

Is this correct i thought i had to have a copy of my original agreement

Thanks in advance

Thank you!

it's been 14+2 days and not a dicky bird from Moorcroft

What would be my next step......

Advice please

Thank you

So it's been 14+2 days and not a dicky bird from Moorcroft

And 10 days and no reply to my letter to Cabot regarding the account they thought was a current account!

What would be my next step......

Advice please

Thank you

Thanks,

Was going to write back and say its a credit card heres the £1 please send me the cca!?

Hi

received a reply from Cabot who i did not know was dealing with my debt....it was apex

They have my account as a current account and its a credit card account..

..obvious long credit card number on the letter!?

They say:

' there is no need for us to provide a copy of your cca

under the cca for current accounts and overdrafts facilities as part v of the cca does not apply to these types of accounts

The exclusion of current accounts falling into part v of cca is set out in section 74 (1) (b)

I have therefore returned your £1.00 fee

???

Thank you,

One last thing could any of these creditors with whom i am in payment arrangements with,

turn nasty and whack the interest back on?

Abit worried of 'rocking the boat' with the cca requests!

Also if i decide to f&f should i mention the fact that they are no longer on my credit file?

Thanks again

As pointed out they would have to go to court AND win first before that happened.

 

if the agreements are pre april 2007, they need a signed copy of the original agreement to enforce, no agreement no court no ccj

 

hence the need to get CCA's sent to all the OC's

Thank you for all your replies, am i right in thinking that Egg are no more? So would i be sending cca to Apex?

if no-one is writing about the mint card then leave it alone

 

 

are the others chasing you?

I pay them all every month minimal amounts not chasing

i update them with my finances when they request it,

its just because i wanted to f&f's i checked my credit file

and saw that none of them were on there

and wanted to ny facts straight before I offer

Halifax was a credit card taken over by Moorcroft

Egg was a cc and taken over by Apex

And Mint cc s still being dealt with by Mint?

It's Apex egg, moorcroft = halifax and Mint

Yes i did back in 2008, if i am in an arrangement to pay with them, isn't it supposed to be on my credit file?

My barclaycard - cabot is which has now been settled/satisfied, is it because they didn't record a default?

M&S is the one i did not pay and is not on my file

Not being funny

But if they are not showing anymore

Why are you paying them off?

Hi, i thought that they could take you to court if you stop paying and i could get a ccj?

Thank you no ppi on them or charges, i have a template letter should i still keep the part in that they should mark my credit file as 'satisfied' as i don't have one with them?

Thanks

Hi all,

Does anyone have any advice of f&f offers when your defaults have now dropped of your credit file?

I have negotiated and paid off 7k over the last 7/8 years, (thanks to this site)

I have the remaining debts to pay

Apex £3,400

Mint £5,400

Moorcroft £5,500

None of these are on my credit file now can anyone give me any advice of offers for f&f's ?

Many Thanks

Hi all,

Does anyone have any advice of f&f offers when your defaults have now dropped of your credit file?

I have negotiated and paid off 7k over the last 7/8 years, (thanks to this site)

I have the remaining debts to pay

Apex £3,400

Mint £5,400

Moorcroft £5,500

None of these are on my credit file now can anyone give me any advice of offers for f&f's ?

Many Thanks

dont ring them, wait for letter threatening legal action.if the one you have already does state that they may take legal action, then write to them at their registered adress,to the directors, requesting under pre action protocols of the civil procedures rules, for a copy of the original properly executed agreement relating to the ALLEGED account, all statements issued throughout the ALLEGED agreement, AND ALL NOTICES OF VARIATION ISSUED, AND MODIFIED AGREEMENTS.

Hi

Many thanks i will wait and see thank u very much!