ok thanks dx will let you know if I hear anything else from them

That's all they have sent me, what do you advise I should do next? thanks

hope this has worked

ok will look to see if have T&C's and try convert to PDF

That's all I have received, were you able to see it?

hope this works

they have sent copy of original cca, very hard to read all they details on it as it looks like it has been copied a few times

Hi all finaly heard back from 1st credit with copy cca, they are now offering me 50/ off, but will show as partial settlement any advice if I should do this or not? thanks

Thx dx ppi claim already underway, will keep you informed of progress

Hi dx still no response from first credit, now 21 days since they wrote to say they would contact Halifax any advice please?

will leave it a few more days then thanks

Hi all, had response from 1st Credit dated 2nd Feb saying they would request CCA from Halifax, as of today I still have not received this from them, any suggestions on next course of action?

Many thanks will get onto it first thing tomorrow, will let you know how I get on

Thanks DX will give it a go

any recommended PPI company's ?

Just looking into that

The debt is a credit card default date 2006?

its been probably a couple of years

I have probably missed 4 payments in 7-8 years, and have made sure if I missed a payment the next payment was double, I haven't got the original agreement, this debt is for a outstanding credit card, I was made redundant and fell behind with payments, I went into debt consolidation but wasn't getting anything paid of with their charges, so made agreements with lenders to pay, this was 2006 I think

Hi, yes have been paying off for some time, Halifax passed it over to a debt collection agency very soon after agreement was made, it then got passed back to Halifax as debt company could not contact me as I had moved a couple of times, I still continued to pay, Halifax have now passed it on to 1st credit, I must admit that over the years a couple of payments have been missed, yes the debt is on my credit file

Hi all, my debt with Halifax has been handed over to 1st credit, I have had a payment agreement with Halifax for a few years, I have offered 1st credit the same, they are now asking for a financial statement, do I have to provide them with this?

original default will have been 2004-2005. They have already sent discount letter!!

Sorry got my info wrong, this debt still does not show on her credit file!

that i dont know will have to check with her

sorry meant to start with thanks for your replys