hi again . i have had a letter from red offering me a discount on the account it says i owe lowell the money it is a halifax account overdraft. i dont know who owns it now do i ring them to find out who owns this then send them a cpr or a cca request. the letter also says that this will go to hamptons legal if they dont hear from me in 10 days well 10 days as been and gone letter was posted 25 oct 2013 not heard from hamptons yet. they say hamptons will put in a claim. if i get a cca or cpr request to them now will it stop them from putting in a claim if they dont send me the stuff i ask for

Hi all, Currently have a claim in with the FOS over a mortgage PPI claim back in 1987. This in on behalf of my father (who was alive 2-years ago when he submitted the claim) but has now died. I am continuing it on behalf of my mother. I have today received a rejection letter from the FOS stating that they don't think the policy was miss sold and that it was suitable for my father who was self employed. When we made the claim my Farher distinctly recalled that he was told he had to have the policy otherwise he wouldn't get the endowment mortgage when he tried to make a claim on the policy, as he was self employed, he was told he would have to renounce his company with HMRC etc in order to make a claim. There's little we can do about the issue of being 'forced' to take out the policy on the threat of next getting the mortgage, but hopefully there is something I can do about the policy not being suitable for a self employed person. I attach the front page of the mortgage PPI certificate which Halifax have provided to FOS unbelievable, they cant find the rest of the pages which I assume would say under what circumstances a claim can be made - I know its a long shot but does anyone have a copy of the rest of the document - which I assume will be general terms and conditions. Thanks in advance.

TEMPLATE AT THE MOMENT WILL UPDATE IN A BIT NORTHAMPTON (CCBC) county court Claim no xxxxxxxx Issue Date Particulars of claim The Claimants claim is in respect of a credit agreement regulated by the Consumer Credit Act 1974 wherby Lloyds BANKING GROUP original creditor provided the defendant with a credit card. In return the defendant agreed to pay at least the minimum payment given in the statement. A default notice was served on the defendant which has expired and upon which the defendant has failed to comply with. A Notice of Assignment has been sent to the defendant notifying them that this debt has been assisgned to the Claimant. The claimant therefore claims the sum of £xxxx plus costs. The claimant has complied with Sections III and IV of the Practice Direction on Pre-Action Conduct. ========= signed OPTIMA LEGAL SERVICES LTD

Hi again So here you go again another copy and paste of my brief story .. Enjoy ..Oh and my 3rd alleged debt.. Please help So my story.... I used to work for HBOS plc (Halifax) as an IT specialist. In July 2007 During my time at HBOS I became severely ill with encephalitis (similar to meningitis) which left me disabled and stuttered and completely inaudible amongst other symptoms. As a result In 2008 I was let go by HBOS after 8 months of SSP - due to my long term sickness. Debt 3 - Halifax Packaged Account Defaulted in 2007/2008 - one of those pay £15 a month for perks you never use. Debt now owned by Lowells. I worked for Halifax they signed me up as staff and I didn't really get much information about the account other than internal IM comm's. Last Payment I made to this account must have been 2007/2008 as I was in a coma after that and there was no money going into that account. My overdraft was £1000 - so the extra £468 must be charges and unpaid monthly fees. Debt has been sold to Lowell who have just sent me an annual statement of account.. From what I have read on the Forum I believe this debt is now Statute Barred? My next steps... Not to acknowledge the debt? CCA request? Statute Barred Letter and removal from credit file? Advice and help and comments and sticks and stones and the kitchen sink... Let me have it Please Thank you Beautiful People

Hi, sorry if i havent posted in the correct place. i have applied for a mortgage everything has been accepted subject to a valuation. we are buying a house of my inlaws for about £35000 less than its worth. valuation was done this morning, my mortgage adviser said he will chase them tomorrow and then wait and see what they offer. what i want to know is...what does he mean by offer? i have been told that i have been accepted subject to valuation and have even received paperwork advising me of costs and monthly payments direct from the Halifax. never bought a house before so just worried, can it go wrong now? thanks

Hello all, To get to the point I'd actually like advice on, I'll have to run through the story so far, I'll try to be as brief as possible. Around 2-3 years ago I ran into financial difficulties and began struggling to pay the minimum amount on my Amazon credit card (administered by Halifax). It didn't take long before it was referred to a DCA but, as my situation hadn't improved, I was unable to pay the amount they were requesting. After several threats of court action but none taken, I became suspicious that the debt may be unenforceable, so I sent a CCA request. At first sight their reply looked like I didn't have a leg to stand on, but after closer inspection (and research on this site) I realised that what they had sent was merely a web application, printed and signed by me, accompanied by an unsigned CCA. The DCA continued with the threats of court action but, to my surprise, agreed to my proposal to pay a nominal amount each month, which will take more than a lifetime to discharge. I guess I could have not bothered with the payments but since it doesn't impact my life much, I decided it was the best way to keep the peace. However, the subsequent default on my credit file has impeded my ability to get further credit, especially mortgages. So it was with joy that I greeted the victory of Durkin over HFC in yesterday's Supreme Court ruling. The CAG email I received this morning reports that "the judgment means that banks have a duty of care to ensure that an agreement is enforceable before they issue a default on a credit file, otherwise they are liable for damages". This has prompted me to consider writing to ask that the default be removed from my file, but I realise that if they concede, Halifax are admitting the debt is unenforceable. It may be too early to be asking what the implications of this ruling are, but I'd appreciate any opinions or advice.

Hi I have finally received my SAR from Halifax regarding my credit card and send me all the statement from 2000 up to now. There is roughly over £1000 charges regarding a insurance they have charged me for payment protection from the date 2000 to 2005 and then it was stopped and no protection charges after that period . There was also CCA dated 2000 with my faded signature on it . please advise What I should do I will appreciate any suggestion or advise if possible

After them trying every possible trick to wriggle out of their obligation to do so and then unnecessarily wasting both my time and the time and efforts of FOS, after a fully 2 years, Halifax Bank have finally conceded (after being instructed by FOS to do so) and made me a settlement offer for miss-selling me PPI more than 15 years ago. If nothing else, this paragraph, should simply say, be patient and stick at it On reading the settlement offer letter, I was surprised to that the bank have unilaterally decided to make a deduction from the amount due to me for “taxation due, at the standard rate” Whilst the total compensation amount offered is within a few pounds of what I have calculated, I had not considered that the bank would deduct 25% of the interest element. Whilst I knew that I would possibly have a tax liability on the interest element of this compensation, my immediate reaction to this was that my Tax affairs are between me and HMRC and any liability due (to HMRC) is mine to sort out direct, at the end of the Tax Year. I called Halifax to question why they had made this decision. The response given was that this kind of deduction is “standard practice and in accordance with FSA guidelines” Can anyone advise on this please? I completely disagree with the stance taken, this bank has no knowledge of my tax code, my Tax number, my payment relationship with HMRC, or liabilities I have (if any), so any errors in calculation and or payment will be practically impossible for me to recover downstream. Whilst the bank said they would write to me confirm the deduction made, providing a copy of their notification to HMRC, I do not trust them to either do so, or get it right in a timescale that is consistent with any liabilities I have to HMRC. I also do not trust them to immediately pay the ”amount due”, giving them the opportunity to take the benefit from any interest due, rather than me. This is a bank that has already miss-sold me PPI, denied any wrong doing when I complained, lied to me by ignoring their own industry code of conduct in rejecting my complaint and then, further tried to deceive FOS when they got involved so why should I trust Halifax to correctly pay the Government on time, on my behalf. If (when?) they get it wrong, who will be left holding the baby? How can I stop these crooks doing this? I’d phone FOS, but suspect that will not want to get involved as it's not in their remit, so is there a standard letter template demanding them to pay me the amount due in full? TIA

Hi, really hope you can help, background first - I had a loan account with Halifax until I met my now husband, he joined it and became a joint account, Halifax gave us a very large overdraft of £4,600 (we were both earning well), and we had a credit card each, plus a loan through RBS. However Easter 2011 Halifax withdrew our overdraft with just a letter, it had been okayed in the February when they looked at it, and without out warning it was gone, it left us with a £4,600 debt overnight, we were getting married in the October, so we decided to remove all of our money from the bank and move to Nationwide, and have not had credit from anywhere since, by choice. They tried several credit companies to get the money out of us, and since then at some point i did the CCA on them, cant recall when. Heard nothing from them about the overdraft account, or the 2 credit cards, get an annual statement for the loan, and a statement for another account i had with them. out of the blue I received a claim form from Cabot and admit i ignored it, as I had all other letters, I have never had a letter from Cabot saying they bought the debt, just this claim form, have had another letter come, which I cant find now! saying it went against me in court and I have to pay £85 by 05/01 or else, they say they can enforce me, I assume send bailiffs round, which i want to avoid, we dont have anything to that value. first what do i do, and 2nd i have noticed the debt, doesnt say what its for, just an amount, if its my credit cards I didnt think it was this high, if its the overdraft then its a joint account why arent they going after my hubby as well. can anyone help me please, i have had my head in the sand a bit, my hubby has aspergers so is unable to help me, and feeling a bit overwhelmed by it all

Hello. I have received my SAR from halifax . They have sent my yearly statements from a mortgage I had with them. An explanation accompanied the statements, stating that the loan was split up as loan 'a' , the mortgage, loan 'b' any services or ppi and loan 'c' which has something to do with MIRAS which I think is a tax thing. My statement shows balances under loan 'b' each year. Is this ppi rolled into the mortgage? Has anyone any experience of this? Thanks.

Hi, i have had mortgage arrears for a number of years never been able to control them(approx 6k). due to an upturn in trade earlier this year i managed to get them down to £234 then a catastrophic business deal dumped me straight back sq one unable to pay the mortgage again i rang them and told them i would not be able to pay the up coming payment. i was advised that if i cleared the arrears before the next due payment i would be entitled to a review of my account to see if i could get the payments down to an affordable level. i did this only to be told that it wasn't true the nice lady from complaints took £100 off the arrears and put £200 into my private account, she said they should of said "i pay off all the arrears and one full months mortgage payment then i could have the review". she made sure i had no savings and no way of paying the extra i then received a letter saying my agreement for reduced payments was at an end and i needed to make another which i did . i knew this was my busiest time of year and went hell for leather to meet the all the arrears and one months payment option by the skin of my teeth i succeeded. previously i have had arrangements go wrong because i paid on card and they say this takes 3 days at this time i was told that if i paid cash into a halifax branch it would show immediately. ( which is what i did ) they now say cash payments don't show for 24 hrs!! in the sure knowledge i had covered all the bases i rang them i seem to have rattled the cage i don't think they expected me to meet there criteria and don't want to give the review i so desperately need my payments have jumped from £695(interest only which they have taken away as an option) to £1380 a month and simply can not afford it. i dont want to go into arrears again i need some advice what do i do next i have to phone them tomorrow but can already see where this is going any ideas how i should approach the matter.

My sister is in deep trouble which sadly she has kept from the whole family. Her husband and her split up about 18 months ago, she remained in the family home with her two children, he went on and bought a house elsewhere. It's now come to light that she is unable to pay the mortgage as in all the time that has elapsed since he left, her husband has refused to pay anything against the mortgage. She works part time as she has the children more or less full time apart from school, her husband has them on an occasional Sunday. I've now learnt 3rd hand that the bank are repossessing due to the arrears on the mortgage I have no idea what she owes arrears wise, I've arranged to visit her tonight to see if I can get the full story. From what I've been told it sounds like she is ready to walk away from the house and hand the key back I know her mortgage was for around £100k the house is probably worth about £180k in today's market. The question is does the bank have to give her the option of transferring the mortgage to an interest only one? Or is it at their discretion? I'm sure if we can get the mortgage changed over to a interest only one, the family can rally round sort out the arrears and hopefully get the house up for sale. it's a big house much larger than she needs and I'm sure if she could sell it and end up with a decent deposit for a cheaper, smaller house it would be a huge help. I'm not in possession of all the facts at the moment so bare with me lol just wanted to know if the interest only option was one we could force the Halifax to grant, surely the court wouldn't look favourably on them if this was denied? thanks in advance

I checked my credit file and have a CCJ issued at Northampton CCBC in December 2011. I believe this is Cabot as there is another listing for them on my credit file for the same amount and the last 4 digits of a Halifax CC which was opened in February 2003. I never received the claim papers as my home was repossessed just over a month before the Judgment. At that time I was in a mess and didn't update my address with any creditors. I have done a CCA request to Cabot. They have acknowledged the request, but not had the agreement back yet. Is there any chance I can apply to get this CCJ set aside?

I took out a Halifax credit card online pre 2007. It was £3 in credit in Nov 2007. In dec 2007 they sent me a new card attached to a credit card agreement unsigned by myself or them. What I did not realise then was that they had transfered the acc to a new acc along with the £3 credit. This has come to my attention as I was going to send them a CCA request in regard to my pre 2007 CCA. Has anyone any ideas as to what I should do ?

Hi i have had an ongoing dispute with halifax since 2009 passed to various dca, they issued a faulty default notice in june 2009 and cancelled the agreement in september 2009, at which point I sent a letter that they had unlawfully rescinded the agreement. I have only ever received the application form as proof of my agreement and they have sent term and conditions with name and address on, the account has now been assigned to capquest for collection. I have attached the application and the last letter received by Halifax simply stating theyv'e done enough to prove under the s78 and if I have further complaint to go to financial ombudsman service with my complaint. Any feedback would be helpful as I am now feeling a bit out of my league and not sure what to do confused49

Hi everyone I am here on behalf of my mum and I would really appreciate some help. My mum is 67 years old and lives off a basic state pension and some pension credit. She is a home owner but has no savings. Prior to 2007 she had a basic, non-fee paying current account with the Halifax. In 2007 she was advised by Halifax staff to open an Ultimate Reward current account. Like many pensioners she struggles to manage on her pension and she was told that she could have a "free" £300 overdraft which would help her if she opened the Reward account. As you know, the Ultimate Reward account offers "perks" such as emergency home repair cover, AA breakdown cover, mobile phone insurance and travel insurance. I must point out that my mum doesn't drive and therefore doesn't own a car, she has never owned a mobile phone and she is unfit to travel due to health reasons. The only thing she could possibly benefit from is the home emergency repair cover. She was never asked whether she drives, owns a mobile phone or travels. As time went on she went further into the £300 overdraft but never went beyond it. She had cause to contact the bank in March this year and the staff member told her that they could extend her overdraft to £350 to help her manage. In April the same thing happened; she contacted the bank to check her balance and was told that she was almost at £350 into her overdraft but fear not, they could extend it to £400. My mum just pays her way and has never had any debt, nor has she ever had a loan or mortgage. In June this year she was diagnosed with cancer and is now recovering from a major operation and has thankfully had the all clear. Nevertheless she has had a pretty tough time of late. I have never interfered with her finances and I only get involved if she asks me. When she went into hospital in June she gave me her bank card and asked me to pay a few bills etc for her. I was horrified to see that she had an Ultimate Reward account. When I asked her if she realised just how much she was being charged for this she didn't have a clue. I know it sounds ridiculous, but she didn't even know about the "perks" and she didn't realise that she was paying for her bank account - I think it used to be £10 per month but it's now £15. On top of that is the amount that she is paying for having an overdraft of £400. The first £300 is free and beyond that she pays £1 per day, for every day that she is over £300. I know she has been silly and very naïve but that's my mum I'm afraid. She likes the staff as they are always nice and friendly on the phone...grrrr.... Now that I have explained to her that she has a debt to the bank that she can't get out of due to massive charges each month and that she is receiving "perks" that mean absolutely nothing to her, she is beside herself with worry. I am trying to find the agreement that she signed when she opened the account but as yet I haven't been able to locate it. I have established the exact date when she opened the account. I also have the dates when the overdraft was extended. I made an appointment at the Halifax and attended with my mum on Monday. I asked the staff member to close the account but she said it couldn't be closed until the overdraft was paid. I asked if the debt could be treated as a loan which my mum could pay back at a fixed amount each month, but the lady said this wasn't possible. So until the overdraft is paid my mum is stuck with the account (and the monthly fee for the unnecessary perks). I took my mum to another bank yesterday and she has opened up a new current account for her pension to be paid into. All we can do for now is try to pay money into her old Halifax account each month to clear the overdraft, but obviously she will still have to put enough in each month to cover the cost of the account itself. If I had the £400 myself I'd gladly give it to her, but unfortunately I don't. I'm sorry this is so long but I really would like to know how to proceed from here. I feel this account was mis sold to my mum from the start and I feel she should be reimbursed the fees. Do I complain to the Halifax first, or do I go to the Ombudsman? What do I say and how do I word it?? Do I need all her statements since she opened the account, or do I just ask for the fees back and trust they will calculate it? I am so angry that they have taken advantage of my mum who is so trusting and yep quite naïve, but who has never been in debt in her life and who has been throwing her meagre pension at the Halifax bank who don't give a flying fig how much she is struggling. I will be so grateful for any help that anyone can offer me. Many thanks in advance.

Hi, I used to have a credit card at the Halifax can't remember whether it was cleared or whether it's still open with an outstanding balance. I have a load of statements here with around £600 in charges on it, not including interest. The account is most definitely statute barred now and I have no letters or details from them as I moved and they never chased so I really can't remember. I do remember them taking money out of my current account there for a year without my knowledge to make payments against the credit card. (I never opened my mail) silly me. Any suggestions on whether I should send a SAR to see if the balance was ever cleared or not. If it was I could claim back all the charges plus the interest. Thanks

Hi, it's my first post on here so be gentle lol. My partner and I were recently browsing looking for loans we came upon a certain website (which today has been on the news through Natwest) and yes we did put our card details in but at no time did we think that we were actually committing to something, let alone allowing them to take money from our account. Once we spotted the 2 withdrawals from our account we immediately tried to get in touch with the company via phone but it is all automated and it simply tells you to log into your account online and cancel and request a refund that way. When you try to log in online ....... guess what? they have no record of you! I have sent messages through there website all to no avail - we haven't even got an email to say "welcome to........." I called Halifax and they have said, sorry we can't do anything as you put the card details in and it is in that companies small print that they can take that money out! I have just checked my account again to find yet another company has taken another amount out - which happened to be mentioned on the other companies website! Can anybody help please?

Hope some mortgage experts on here can kindly assist. My OH and I took out our first mortgage in 1990 (100% repayment) and we were sold a 25 year Standard Life policy through a Halifax Property Services agent, who advised that it was compulsory at the time for the mortgage to be agreed. We got into some financial difficulties in early 2000 and the direct debit was cancelled and never reinstated. I also don't recall ever hearing anything from the Halifax or Standard Life regarding further payments. I have now located the relevant policy details with relevant policy numbers and various HPS letters regarding the sale. Now before I go any further, was the advice by the HPS agent / Standard Life representative correct in what he said ? Or is this a form of miss-selling and we could have sought other alternatives ? If so who do I contact with complaint ? Thank-you for any advice.

Hello, I purchased my council house under the right buy act, I took out an interest only mortgage with the Halifax and registered the deeds and the mortgage in both my and my Mother's names I paid the full amount of the mortgage for 20 years until i moved out My name is still on the deeds and as far as I know on the mortgage as well. My problem is that due to various reasons I am not in communication with any of my family so can't see the statements , The Halifax won't send me a copies because I no longer live there and also don't know my balance. Is this legal?

Hi All, Basically its like this. I work at a military establishment with a woman who is starting to drive me nuts, basically. She has obsessive compulsive disorder - don't get me wrong, I fully respect she has the condition but she's making my working life that much more unbearable. She's even confiding in a work colleague that she went to see a psychologist because she said that I stress her out at work and to hear that second hand from a work colleague was not too pleasant to be honest. I have had a problem with pen chewing and putting things in my mouth, chewing my nails etc. as far back as I can remember and there seems to be no signs of it letting up - despite my best efforts, I find myself relapsing and every now and again, which has become a bit more occasional of late, find a pen or something else in my mouth, be it my fingers for biting my nails or whatever. However whenever I have been at a workstation using the keyboard or been somewhere else and this is usually some while after I have bitten my nails, for example, then she is there cleaning the desk area and I am made to feel like a dirty person - don't get me wrong - I fully respect her condition but I'm being made to feel that I can't even put my hands near my mouth or pick up a pen in fear she's going to put in a complaint and I think that I am going to be on the receiving end of something unpleasant and the fact that she has a mental illness will work against me. Furthermore, she is rather cold toward me in the office and I feel the tensity in the office is going to reach a peak before long. We have been open and honest about our feelings in the office as well. I can't help what I do at the end of the day and as I explained, since I've been a nipper, its been a recurring problem for me. Can someone offer me some advice as to what the best solution is as I will not take kindly to an official complaint from my supervisor as I feel I've done little wrong and am trying hard to work on a problem I've had difficulty in resolving in the past. Regards

I disputed some transactions that I did not make last week. I was refunded for some but not all..waited a few days then gave them a ring today about it as I assume if the refund didnt come, then those transactions are not being investigated. I am more concerned about getting to the bottom of this tbh than about the refund. Anyway, when I disputed the transactions I asked for a new debit card to be sent, which I was told it would be. The suspicious transactions have since continued, so they clearly have not cancelled my old debit card. I have no money left in the account now and plan on it staying that way until they can tell me whats going on..just a bit worried that these payments will end up makking me overdrawn.. Anyway, today I rang the bank to ask about both my debit card and the disputes. Went through security and such only to be told that they couldnt discuss anything on the phone with me until I go into the bank with my ID. I have absolutely no idea why this is as I have never had a problem before. I cannot get to the bank until next wednesday (health reasons) MY question is..can they really refuse to issue me a new debit card and cancel the old one when fraudulent transactions are currently going on on my account?! Surely they will be at fault if the transactions do end up making me overdrawn? I am really really annoyed right now..have put in a complaint using their online form but dont expect to get a call back

Hello, would like some advice if possible... I had a current account with Halifax, which had a direct debit going out each month. I opened a savings account and transferred most of the money into that. I moved to a different address and forgot to change my address with them as I was really busy studying. I later found that my direct debit wasn't being payed, and that the current account had gone into overdraft which I was getting charged for. I found out that they had taken the money from my savings account to pay off the charges they had given me and then closed the account. The person I talked to at the bank told me this and didn't say anything else about any more money owed to them. It was really annoying as I had over £1000 in there which had just been eaten up by extreme overdraft charges. But I left it and just thought it was a harsh lesson for me to check my account. But then I started getting phone calls from Cabot finance. After a while of not even answering them I was curious what they actually wanted so I answered. He asked for my address which I didn't give. Then started talking about a debt I had no idea what could be. I found out he had my old address on file and they had sent a letter there. So I went to my old address to get the letter and it said they had bought the account from Halifax. It was bad enough Halifax had taking all the money from my account, but now Cabot wants £166.89 from me as well. God knows how much more they will try and charge for interest as well. Needless to say I am not keen on handing my money over to these blood suckers, and I don't even have the money to at the moment. I am living in overdraft and it's hard enough to make sure I have money to pay the rent. I'm not sure what the best thing to do is.. .do I try and reclaim the Halifax bank charges? and just not answer to Cabot? I haven't given them my new address..

Hi My PPI claim for a Halifax credit card has now been with the ombudsman for FOUR years and counting, seemingly without an end in sight. Only 11 months of that was spent waiting for my case to reach the front of the FOS queue to be assessed. The remaining 3+ years has been purely down to delaying tactics, stonewalling, and worse by the bank. I apologise for the long post, but to provide some detail: In March 2010 HBOS agreed, in writing, that I was due a refund & that this should be calculated according to the FOS guidelines, as this was "the only fair and reasonable way of addressing my complaint." HBOS then proceeded to make an offer that in no way followed the FOS guidelines and refused to explain its calculation (which is/was also a requirement of the FOS). After several months of stonewalling I took my complaint to the FOS. Both parties have agreed from the outset on the total amount of premiums due to be refunded. Both myself & the bank have every single statement for the account (physical first-hand documents), meaning all the necessary information to make a fair calculation is readily available. HBOS falsely claimed the account was closed sometime in 2010, despite ALL documented evidence emphatically proving otherwise. The account remains open and has NEVER been closed, nor the balance cleared. As mentioned, HBOS has stated it has all the statements for the account & is basing its calculations on said statements (ie no periods of estimation) so it is inconceivable that this could be a genuine oversight. And yet the bank remains unwilling to explain how & why it wrongfully claimed the account was closed. This claim would have effectively wiped off several years of (27.95%) interest due on the refund, amounting to thousands of pounds - this is according to their own calculator/formula sent with their last offer/breakdown sent in January 2014 - which still claimed the account was closed. The account still has a substantial balance and has never been lower than the total number of premiums added at any given point. 100% of the account balance is due to PPI and has been for years - there have been no new transactions on the account since 2007. Again, this is all evident in HBOS' own breakdown sent in January. As a result, I have continued to make monthly payments to the same bank that actually owes me thousands of pounds, solely towards a balance that would not even exist at this point if it were not for the premiums wrongfully added to the account by the bank! Despite all this, HBOS seemingly refuses to even respond to the ombudsman's requests for either a recalculation or even clarification on its formula and its claim the account was closed. Month after month I get an update saying they are still waiting to hear anything back. I am in total limbo and have no idea what to do now. My case should be a relatively straight-forward one & I don't think it would be possible for me to have more substantial & conclusive evidence to back up my claim, yet HBOS seems to act with total impunity. Any advice whatsoever would be greatly appreciated. I feel I have nowhere left to turn. Thanks

hi all i sent a CCA request to Apex credit managment on the 21.7.14, this is the reply i got today, am a little bit confused what to do next hi this is an old debt for halifax credit card, of approx £8,500 dating back to 2005 which my husband has been paying a token payment of £1.00 for the last 9 years