Halifax Loan Cca

[maybelate]

Hi after having time to sort through my SAR details the charges etc, going back to 1996 it seems that it would cover 90/95% of my outstanding debt to HBOS, if I could claim it back.As they have terminated my loan account and frozen my current account does anybody have any suggestions what my next step should be?

Do I start letigation or wait till they do then counter claim offer a deal?

Any advice appreciated:D

[r&b]

there is smth called equitable offset, which does exactly wot it says on the tin. if they commence legal proceedings, u could potentially claim this and therefore alleviate any costs involved on ur part, basically using their action (and therefore costs) to get ur charges back, offsetting them against their claim.

i think this thread covers some of this avenue:

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/128428-requesting-advice-mums-behalf.html

[maybelate]

Thanks r&b that makes it look clearer;)

[maybelate]

Hi, as I have a current account with Halifax, as well as the loan, they keep sending threatening letters at regular intervals, and I'm not quite sure what to do about them. They have told me that I cant use the account any more but have recently sent a letter saying "despite our reminders you have not made any payments to your account" (it's well under the agreed o/d). "If you do not make a payment within the next 7 days we will assume that you no longer want the account and will refer it to our collections dept. which could result in your account being reported to a credit reference agency"

 

Can they do that? Should I pay in a token payment? Really not sure what to do.

 

Thanks for looking, and help gratefully received:D

[AndyOrch]

HI MBL

 

Overdrafts work on the assumption that you will regualy deposit each month to service the O/D limit.Non deposit or activity will trigger the software generated letter that you have recieved so yes make a minimal deposit to maintain the O/D agreement.

 

Regards

 

Andy

[maybelate]

Hi all, just to update on this long ongoing case. I have now received a letter from Blair Oliver and Snot stating that they are about to issue court proceedings. The account was terminated well before the date that I was allowed re rectify on the DN, therefore deeming it unenforceable.

 

Can anyone advise the best course of action with BOS?

 

Thanks

 

Maybe

[maybelate]

Anybody ? Or should I send B,O& scot the account in dispute letter?

[AndyOrch]

" I have now received a letter from Blair Oliver and Snot stating that they are about to issue court proceedings."

Ive yet to see a summons were this crew have actually carried out this threat but no harm in sending the letter anyway,no doubt they will then pass it to the next set of Muppet's.

 

Regards

 

Andy

[maybelate]

Thanks again andy I will send the muppet's the dispute letter and see what happens:rolleyes:

[maybelate]

Hi all, I put a court claim in against Halifax Card Services some while ago, which was stayed pending the result of test case (even though I requested that the stay be lifted due to it being a credit card account and not a bank account). Today I have received a court order which states

 

"Following a decision in the Bank Charges Test Case Litigation the claimant must by 4pm on 24th May if intending to proceed, issue an application to remove the stay specifying on what basis the levying of charges is now challenged and in default the claim is struck out without further action".

 

Could anyone please advise what would be the best way to proceed now? If I proceed what will I need to do? and if not will I face charges?

 

Any advice would be a great help.

 

thanks

 

Maybe

[maybelate]

Hi,

 

my OH received a DN regarding a Halifax account and then a termination letter dated before the date by which he could remedy the default.

 

He didn't do anything about this as we assumed that they had shot themselves in the foot by this action but

 

Halifax have now (quite some time later) sold the debt to Lowell's.

 

Can anyone please advise what action he should take regarding this?

 

Should he write to Lowell's and give them details of the DN and termination letter?

[citizenB]

When was the last time any payment was made to this account ?

[maybelate]

Hi CB it was may 09.

Regards MBL

[dx100uk]

if haliprats have sold the debt there must be something wrong with it

 

have you all the statements?

 

if not

send an sar to haliprats.

 

might be an idea to CCA lowlife too.

 

dx

[maybelate]

Thanks DX, what do you think about them terminating before the DN remedy date?

 

regards

Maybe

[dx100uk]

not something they should really do

 

what type of account?

 

dx

[maybelate]

Hi DX it was a loan.

MBL

[dx100uk]

is it showing on your CRA file?

 

how old is it

 

give us more info please

 

def get that CCA off to lowlife

[maybelate]

Hi dx, haven't checked CRA file yet. Have requested and received cca from Lowlife. The loan is dated November 2006.

 

regards

Maybe

[dx100uk]

ok scan up the cca

 

and look on noddle

when was you last payment

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[maybelate]

Hi dx, Noddle shows that the account is still owned by Halifax, but I received a NoA from Halifax and Lowells to say that Lowells have bought the account. Will post CCA when I can.

 

regards

Maybe

[maybelate]

Can anyone tell me what does it mean if my CRA still shows Halifax and not Lowell's against the agreement? Should I write to Halifax and ask them who owns the debt?

[dx100uk]

prob just means the crafile has yet to up date.

 

don't forget that you got the two letters in the same

env from lowells.

 

they quite often 'use' the original creditors letterhead when writing about buying a debt.

 

when were these letters from lolife?

 

dx