Apologies for tiring you out - my friend has writing difficulties and is unfortunately is unable to express his concerns personally. I will get all the above information all at once rather than drib and drabs. please kindly accept our apologies

Yes he has other debts that he is paying. The debt in question he informs me he been regularly paying Via direct debit with the exception of couple months missed payment. Strangely one would assume that he ran away but far from it - the first ever call from Moorcroft made him petrified and complied however with no notice of assigned or any formal agreement in place It has left some doubts the way in which his debts is managed.

My friend has asked once the addresses has been updated with the correct debt owners should any future payments Link cease?

Does he update address via creditexpert?

Thank you so much. Would it advisable for him to cancel his direct debit and ignored any future correspondence from Link for the likes of ? Thank you so much

Pardon my ignorance how could he check his credit file? What does the default date mean? Sorry this is new to me so I can explain to him. If HBOS sold the debt to Link then why did Moorcroft attempted to collect money on behalf Halifax before Link started sending mail to his old address.

If he stops paying, will he then not be subjected to any CCJs bad credit etc? thank you for concealing the names and account number I’m sorry

Just waiting for this information He is in good contact with his ex however he has never received any court summons regards this debt. The very first time we was by Moorcroft - it was a telephone call and nothing signed between the two parties. Halifax neither informed of him that his debt would be managed by Moorcroft. By writing to them would that not entrap him and oblige him to continue with his debt ? letters.pdf

It hasn’t gone to the current address the new correspondence was delivered to his old address. His ex informed him of the new letter

No the new letter from Link is sent to the old address

Just waiting upon this information

Yes he has however there has been no letters from the above companies

I’ve just spoken to him and he has never received no letter of notice of assignment from Halifax or Link. This is what has baffled him all this has been happening without any prior notifications or any letters sent to him. Thank you so much

Sorry that was a typo he’s has received a letter not me. I’ve spoken to him and he says the bank is still and never ceased. They now use nationwide. He doesn’t have much paperwork from Moorcroft others than one dated June 2019.

This is on behalf of a friend:- In 2016 Halifax transferred my friends overdraft of £5000 to Moorcroft without notifying him. They had a regular job so wages were going into the bank account. There were no issues with late payments etc. Halifax never rang or wrote to him to discuss how to better manage his overdraft. Also Halifax without notifying him increased his overdraft limit from £2000 to £5000. One day out the blue he gets a call from Moorcroft - not knowing what the conversation entailed so in panic he agreed with them over the phone to set up a repayment plan. There has never been no written documents or contracts every signed between my friend and Moorcroft. Strangely in May 2020 I receive a letter from Link Financial Outstanding demanding a full payment of £3769 for failing to maintain payments. My friend is really stressed and confused and he doesn’t know what to do ? can anyone please advice us on this matter. regards

Hi Just to keep you folks updated this was the last response from Halifax :- am contacting you regarding the above disputed charge. Thank you for your email, although as per my colleagues previous email, we as a processing team are unfortunately bound by strict MasterCard regulations which gives us no further rights of recourse with returning the above two charges to the retailer. When you initially raised the dispute with us, we followed our process by reviewing the merchants documents in which they have re-presented to us. However as you raised the dispute with not recognising the transaction on your account, we reviewed the merchants documents and followed MasterCard regulations. Upon reviewing we took note of your details evident on the merchants documents, and following MasterCard regulations if your details have been provided then we have no right in being able to assist you any further with your claim. We understand that this is not the outcome you were hoping for but unfortunately in this instance there is no further action we can take. In view of the above information it will therefore now be necessary to re-debit our temporary credit which we applied to your account when you first raised the dispute with us. We try to help where possible but in order to reach a satisfactory outcome you would need to contact the merchant directly, as per MasterCard regulations we strictly do not have any rights to be able to issue a charge back (returning the charge to the retailer), or able to assist you any further with your claim. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- I am now in the process of liaising with the Financial Ombudsman in assigning an investigator to look into my case. They are keen to find out why Halifax have not done more to help. I will keep you posted

I have just written an email and also the sent a similar email to the financial onbudsman. I will keep you updated. Thanks

Hi Andy, Given the fact that Halifax has sided with Ryanair what how can prove that it was not me who booked it? they can check my IP address although that information was never disclosed on Ryanir provided evidence. According to Halifax's dispute information in order to request a claim under section 75 I have to write to them detailing what has happened. Regards

Hi Anyorch I have the read the section 75 claim I could not find the form how do I process the claim please? Thanks and I am sorry I am so nervous

This is the email Halifax have sent me today:- Card Number: **** **** **** 7047 Transaction Details: RYANAIR Transaction Amount: £415.49 & £377.31 Transaction Date: 13/4/18 I am contacting you regarding the above disputed charge. Unfortunately we are unable to assist further due to the dispute being describes as a “Do not recognise”, but due to your details being on the documents the merchant have submitted we are acting within MasterCard Regulations and cannot progress further with your case. As we had already credited your account with the same amount, it will now be necessary for us to re-debit your account, which will show on your next statement. PLEASE NOTE: When replying, please include your case ID (CCE-), initials, full surname, your post code and the last 4 digits of your card number. To help protect your identity and stay safe online, please do not send any further information regarding your identity by e-mail. Yours sincerely I have explained my case to them and it seems like Halifax are in favour of Ryanair. One of the members highlighted that Halifax have an obligation to protect its customer. What shall i do now gents?

Hi I still have not heard from Halifax as they were suppose to call me from their complaints team. Would you advice that I start my filing for section 75 reclaim ? I dont want to leave it too late. Regards

Hi Andy Thank you so much for all the help. I have spoken to Section 75 team they have now passed my details to their complaints team once i learn of their outcome then I will follow the steps outlined. Also how i go start a section 75 reclaim?

They cannot prove i authorise the booking. They keep referring to their non refundable policy and so do Halifax

Andy what can i do to get this resolved they are asking me to pay them £700 to something I didnt authorise.

The only proof they have provided to Halifax is a log of passenger details and card details and nothing else. I argued that still does not prove that I did this however Halifax keep saying its not fruad as the details on the booking match to actual people involve. Their interpretation of fruad is if someone uses your credit card and falsley makes a claim with incorrect details. For that reason I was transferred to Halifax dispute team who liased with Ryanair and who then arragonatly return the chargeback to Halifax. All the details above has been requested by Halifax.