Gazza112 Vs Halifax Credit Card

[babydoll0141917]

Hi

 

sounds like a standard threatogram to me!! i had exact same letter sent 19th September 2008..im still waiting for court action

[Gazza112]

Hi

 

sounds like a standard threatogram to me!! i had exact same letter sent 19th September 2008..im still waiting for court action

 

 

Hi Babydoll

 

Was your agreement/application the same as mine when they sent it to you.

 

Gaz

[Brighteyes54]

Hi

 

sounds like a standard threatogram to me!! i had exact same letter sent 19th September 2008..im still waiting for court action

Thats reassuring babydoll!

[babydoll0141917]

Hi

 

my agreement is diff from ures iqor/halifax CCA take alook here!! no references to say T & C are on the back,,,It took 6 mths for me to get the CCA thats when IQOR was passed the debt..I received the letter in post 151 before i had even received the CCA,,Mine has gone from haliprats ..to brat horrible and stupid , to crapquest and now to robbers way ..i sent robbers way the bemused letter 3 wks ago ..aint heard nothing since!! i havent payed halifax a penny since march 2008..i think if they had any ace cards up their sleeves ..surely they would of used them by now !!

 

subbing gazza

[Gazza112]

Hi

 

Forgot to say Halifax have still to send me my SAR to me although its only been 3 weeks since i sent it off to them.

 

Gaz

[babydoll0141917]

Hi

 

I havent done a SAR yet ..think that will be me nxt move if i get to much hassel..no one rings anymore ..i just get the odd letter now and then

 

BD

[Gazza112]

Hi Babydoll

 

Yes, i would say SAR is your next move.

Creditcardmug gave you great advice in your thread, you won't go far wrong with him and other Caggers on here.

 

Gaz

[babydoll0141917]

Hi Gaz

 

Yeh CCM has been a great help ..his advice has been spot on ..and other CAGGERS on here..Couldnt of done it without them and would of crumbled by now

[citizenB]

Here you go Gazza, amend the letter in the following link and send them a copy.

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1800199.html

[davey77]

I had exactly the same threatogram 18 months ago. Nothing came of it. They are meaningless.

 

p.s. You left you name showing on that btw..

[citizenB]

Gazza, I have unapproved the 2 posts where you had the letter image as you name is still visible.

[Gazza112]

Hi CitB

 

Thanks for doing that for me much appriciated.

My new Laptop decided to pack in last night, so i'm using my old laptop.

 

Gaz

[citizenB]

If you let me know when you have edited the images, I will put the posts back so you can replace them:D

[Gazza112]

Hi CitB

 

Thanks for all your help

 

As soon as i can get my Computer fixed, which has all my Corrispondance on it i'll get them put up.

 

Gaz

[Gazza112]

Hi All

 

Just received a letter from Halifax about my SAR, they said that HBOS are not obliged to supply records held in paper format.

If that's the case how can you check to see if there are any unlawful charges on the account.

 

 

 

 

 

Gaz

[citizenB]

I think this is a load of rubbish, Gazza, however I will ask the site team for you to confirm.

[davey77]

I read somewhere that getting your NHS records that are in paper format (off computer file) can require further payment. But it's the first I've heard re a S.A.R to a DCA and sounds like a stalling tactic to me?!

[42man]

I agree i've never heard of this....wait until it gets to the 40 days, then send a letter before action, a call/email to the ICO with this might not be a bad idea too...

[Gazza112]

Hi 42man & Davey

 

Yes, does seem strange this was the account that i signed up for a Visa card and was till last year till they changed it to a Mastercard overnight:eek:.

 

Gaz

[Gazza112]

Hi All

 

Well, i phoned the Information Commissioners Office this afternoon.

Was told that the ruling had changed and they did not have to supply paper format for SAR's. But also said wait till you get a reply from your SAR and see what they send out.

 

Gaz

[Gazza112]

Hi All

 

Here's an update for this thread, as you all well now about 4 weeks ago i sent for my SAR (Subject Access Request).

Still not received anything from them upto this point, but i did receive a letter back from them about my CCA.

Here's what they said and the reply i sent them about this.

 

 

 

 

Today i received a letter from Moorcroft Dept Recoveries.

Here's the contents of there letter.

 

 

 

And this is when this account is in dispute.

 

 

Gaz

[Belaflat]

Gazza, I have had a similar change to you from visa to mastercard and Halifax sent me a new copy of terms and conditions and a form to sign, they asked for a signature but I didnt reply.

You may have had the same in which case thier claim is nonsense re no agreement for the new card. Will trawl through my old paperwork to see what I can find.

[citizenB]

Utter rubbish, if there was no difference, why make a distinction in the first place. I pmd you a link to a letter, Gazza.

[Gazza112]

Gazza, I have had a similar change to you from visa to mastercard and Halifax sent me a new copy of terms and conditions and a form to sign, they asked for a signature but I didnt reply.

You may have had the same in which case thier claim is nonsense re no agreement for the new card. Will trawl through my old paperwork to see what I can find.

 

 

Hi Belaflat

 

Thanks for your info, i'm sure i never received anythink in the post last year. I never noticed the change as the statements was the same from one month to the next. Look forward seeing your old paperwork.

 

Gaz

[Gazza112]

Thanks CitB