This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

I have received a letter from Iqor this morning for a Halifax credit card debt, it was previously with Wescot. I requested a CCA agreement from Halifax in November 2007, I am still waiting for acknowledgment of the requests and the agreement itself. The letter was sent by recorded delivery which I still have so they cannot say they didn't receive it, but seeing as the credit card was taken out in 1997 the chances of them having it are very slim. Anyway I completely ignored Wesot and didn't deal with them at all. I take it the best thing to do with this company is exactly the same? Just ignore it and after 3 letters it will be sold on again in 6 months?

Brilliant thanks

Is there anyway I can get the default removed as this was filed after the request for the credit agreement? Or should it just be left?

Thanks for this, I didn't think of that I can see this turning into one of those incredibly long threads Thank you for the letter too

Another update BOS have sold the debt onto Robinson Way and company limited. So, do I need to send them a request for a copy of the signed credit agreement or is it a different letter? I have feeling this debt is going to do the rounds now, one of those things that now one wants because they can't do anything with it. Thanks in advance

Ok i will get this sent off to them, thanks. Do I need to include payment for this the same as a CCA request or a SAR?

So am I ok then to send this other letter? If so do I also have to include the £1 postal order fee? Thanks for the reply EDIT just re read the leter and it states "I have requested a copy of the original signed application form from the relevant department. You will receive this shortly under seperate cover" Does this mean it will be the one I signed? I sent them a SAR last November at the same times as this and they didn't produce it with the documents, so I would imagine they haven't got it?

Quick update I have received a letter from Halifax stating they filed a default on 8 June 09. They also included 2 separate terms and conditions, one old, one new revised, many pages long in each, but absolutely nothing with a signature. I have not received anything with a signature on it and also they did not send me a notice of intent for filing the default. So, can anyone tell me where I go from here now please? I was under the impression that they cannot file a default without a signed copy of an agreement or sending out a pre default notice?

So many brilliant letters on this site, I do like the tone of this one . Thanks for everyone's help. I will get the letter sent off today now and I will up date when i hear back from them, or if I do. Many thanks to both of you, you stopped the worry taking hold :grin:

No old adress, i've lived here since 1981 :o

I'm not sure, she said that after no payments for 6 months they default the account and send it to them. She also said 2 other letters have been sent out, one in June and one earlier in July, I didn't receive them.

Thanks for this. I am correct is thinking I do not have to pay to a debt that is in dispute? Or is she correct when she say I legally have to still keep paying until it cannot be enforced? Also will I be able to get the default removed which they have filed, without notifying me of course by letter, she told me on the phone?

I have received a letter of intended court action today for BO&S, this is the first letter I have received. I requested a copy of my credit agreement last November which I am still waiting for. I have just spoke to BO&S on the phone and the person I spoke to said I legally have to make payments to the debt whilst waiting for the agreement? Is this correct? My understanding is that whilst Halifax are in default of the CCA I do not have to make payments. She has requested the agreement for me, but it didn't show up in the SAR that I sent and it dates back to either1998 or 1999. So, I should imagine it is doubtful they will actually have it? Any advice welcome

I have complained to TS about Phoenix recoverys, Wescot and Moorcroft. They weren't interested and did absolutely nothing. I am still being harassed by Wescot and Halifax phone my number up to 10 times per day even though they have been told in writing to send letters only. Fortunately the phone they are ringing is a virgin media line which we don't use as we have BT, its only there because they gave me it free as part of a deal to keep me as a customer. We cannot plug a phone into it. Once it stops ringing it starts again and when its answered it an automated voice checking sho you are to put you through to an adviser.

I have sent the above letter and now waiting for the tracking to say it has been delivered. This morning I have received a letter from Knipe Woodhouse-Smith saying upon the instruction of our client Credit Security ltd we hereby give formal notification of our intention to issue coubty court proceedings for none payment of the above debt. If payment is not received witgin 7 days a county court claim MAY not will be prepared - dated 6 April, so much for giving me until noon 9 April to pay up. It also gives minimum charges of £55 to be added on. I still haven't received a CCA from Wescot. so, do I now take this to trading standards, Watchdog etc? I doubt there is still an agreement for this considering its age it has to be over 6 years now. so, do i ignore it or send another letter? thanks for reading this |)

How do you actually complain to OFT? Is it through trading standards? When i contacted trading standards they were totally useless and didn't deal with my complaint. Is there a direct rout to OFT complaints cutting out TS?

The debt is actually below £470

Thank you sooooo much your letters are amazing and thanks for clearing the confusion up for me as well

I sent a CCA request to Wescott back in November which they chose to ignore until Feb this year where they demanded payment in full of the outstanding debt. They then passed this onto Credit Security Ltd who sent out a doorstep collector, we didn't answer the door. Credit Security have absolutely harassed me. I received another letter from them this morning saying if I don't pay up by 12 noon on the 9 April they will prepare a claim for issue in Aylesbury County court for the debt, interest and an application for costs, and this debt will be enforced by the court bailiff. I bit the bullet and did something I never do and that is I phoned them to tell them the debt is still in dispute due to none compliance with a CCA. The girl on the phone said that because I was paying the debt and stopped that makes the claim enforceable regardless of a credit agreement and that I still have to pay monthly even if the account is in dispute. I said I would take advice to check this information as I felt it was incorrect.. She also said they would send bailiffs in and they are entitled to do this if a judgement is awarded to them, my understanding on this there has to missed payments on a ccj before they can be sent in? she also said she had sent an electronic message to Wescot, I assume this is tie up in knots speak for an email:rolleyes: So my question is who is correct here? the debt is from pre 2005. A'm I supposed to pay whilst Wescott ignore my request for proof of the debt or was I correct in stopping payments after 14 days? Any advice would be greatly appreciated as this has constant battering from Credit Security has sent my disability into a rave up.8-)

2 defaults on the same debt? Is that actually legal? somehow it doesn't add up does it?

How utterly absurd I'm sure that one would have been laughed out of court, how on earth can they sue any occupier of a property who is obviously nameless for a supposed debt? They need to stick their hand out of bed and see if they are awake.

excellent idea. Something definitely needs to be done and lets face it the OFT will not get off their backsides until they are pushed into a corner and they are on the receiving end of bad press.