Gazza112 Vs Halifax Credit Card

[Gazza112]

Hi All

 

Thanks for the replies, forgot to say its been 6 years since i paid any payment to this account.

 

Gaz

[BRIGADIER2JCS]

Hi All

 

Not been on here for a while, just need a bit off advice on this.

Its been very quiet from 1st Credit, until today when i received a threatagram through the post .

They actually want money of me in full or else .

Just a quick reminder this account was a Halifax account, then in 2012 they sold it to 1st Credit.

Here's what the letter said that came to me today.

 

 

So just need a bit of advice on what to do next.

 

 

Gazza

 

 

 

 

I take there is still no CCA around?

[SabreSheep]

Credit card?

 

How many over limit fees and late payment charges added to this account before it was sold?

 

Reclaim with interest in restitution.

[The GodMother]

I dont remember if there was one. Tho with it being 6 yrs since last payment then they can jog on

[Gazza112]

Hi Brigadier

 

No CCA only an application form with another number that's all.

 

Gazza

[Bazooka Boo]

Almost a year to the day to get the threatomatic working, not bad!

 

Still as boring now as they were last year too....

[Gazza112]

Hi All

 

Just a quick up date, since i last posted on this thread i've received 4 letters from 1st credit.

Threatening what they might do to me lol.

Now is this harrassment there doing as these letters have all come in just over 1 week.

 

 

Gazza

[SabreSheep]

Over limit fees, penalty charges?

 

Is it worth investigating these to see if their is a valid reclaim,

 

Would it not be good to find out that they owe YOU money?

[Bazooka Boo]

Six years and still they have done nothing....ignore them.

[Desperate Daniella]

Hi Gaz,

 

 

Forgive me for not reading through the whole thread but I thought you stopped paying in or before September 2008. Isn't it Statute Barred by now?

 

 

DD

[Gazza112]

Thank you all for looking at my thread.

 

Yes, Desperate Daniella it's been just over 6 years since i last stopped paying them.

I did receive another letter from 1st Credit, stating that there willing to give me a 30% discount .

 

Gazza

[Desperate Daniella]

Hi Gazza,

 

 

Do you have a copy of the Default Notice anywhere? The latest thinking seems to be that you have to add the time offered to remedy the "non-payment" to the date of the DN before it's SB, but I don't think anyone has yet been taken to court over this and had to defend it.

 

 

Discount offers are good news, as I'm sure you know.

 

 

I had a card which must be SB by now and last year I got about four letters offering me increasingly "attractive" discounts. Then I got statements telling me to deal directly with the DCA appointed to deal with my account - but there was no DCA!!!!

 

 

Hang in there.

 

 

DDxx

[Gazza112]

Hi DD

 

Yes, i gave a default notice in fact Halifax sent me two default notices

Funny thing was the default letter was dated around now in 2008.

It's on page 2 of this thread.

 

Gazza

[dx100uk]

ignore them

 

 

dx

[Desperate Daniella]

Hi Gazza,

 

 

I agree. You should ignore them.

 

 

DD

[The GodMother]

Wow still chasing after this long

[Gazza112]

Hi All

 

Hope you all had a fab Christmas and like to wish you all a happy new year.

 

Right, just an update on this thread.

 

After receiving half a dozen letters from 1st credit in a fortnight,

they decided to ship this to another company called connaught collections.

 

I've has 4 letters from this company in the last few weeks,

telling me i'm a bad person not resolve the matter and bad things will come to me :sad:

 

This is the letter i received today from them.

 

 

 

Gazza

[citizenB]

As you will see from the tiny print at the bottom, Gazza.. Connaught is not a "different" company at all, but part of 1st Credit. So despite their attempts to hoodwink you into believing this has been passed on to another company this is not true.

[citizenB]

This is too long a thread to try and catch up with, so can you please summarise for us..

 

Date of last payment

Date of Default Notice

Balance they are pursuing and

What is outstanding in respect of any dispute ? CCA ?

[SabreSheep]

As you will see from the tiny print at the bottom, Gazza.. Connaught is not a "different" company at all, but part of 1st Credit. So despite their attempts to hoodwink you into believing this has been passed on to another company this is not true.

 

A misleading practice where a payday lender had to pay compensation if i recall

 

fire a complaint under ccobs to fos and complain to fca with copies of the letters

[Gazza112]

Hi Citizen

 

Thanks for looking at my thread, no you looked at this a few years back.

Last payment around August 2008, the default notice was not enough tome to reply.

Only an application for which is a different ref number to the one the fighting for.

So in all there's not a lot i think they can go on.

Watch this space :lol:

 

Gazza

[Dotty50]

Statute barred now Gazza?

[Bazooka Boo]

Definitely cause for a loud formal complaint to the toothless bodies that claim to police them.

 

If the SLC were exposed for faking these letters then quite why these lot are allowed to continue this practice is beyond me!