Halifax Debt and 1st credit finance 3 limited

[mercman1969]

Hi folks,

 

Have a credit card debt with Halifax for £4989

 

Sent a request for original paperwork enclosing the £1 fee a few years ago

No details have been sent back to me although this debt appears to have been passed around a few agencies

 

Never answered any of them, nor made any payments

 

Had a letter today from 1st credit finance 3 limited stating

 

"As you have disregarded our recent letters our local Debt Collector has been instructed to call upon you for payment.

 

To stop this action send payment IMMEDIATELY to the above address

 

 

What is my nxt action? Dont really fancy a collector calling to the house

[BRIGADIER2JCS]

Write to the compliance manager and state you do not discuss financial matters with itinerant oiks who turn up on the doorstep, and should anyone attempt to visit the will be ''invited to leave forthwith''.

 

When was the last payment or written acknowledgment made on this account, does it show on your credit files?

[mercman1969]

to be honest, not checked credit file for years

Last acknowledgement must have been sometime around 2009, maybe earlier when i wrote to halifax asking for copy of agreement

[BRIGADIER2JCS]

A CCA request is not an acknowledgment just a lawful request for information so won't affect the statute barred clock.

 

Check the credit files we need to know the default date if it's still showing and the date of the last Payment.

[mercman1969]

where is best to check credit files please

[BRIGADIER2JCS]

Experian (credit expert) and Equifax have 30 day free trials, Noddle (CallCredit) is free but not always up to date.

Just remember to cancel frre trials before the end of 30 days.

[mercman1969]

Have just been trawling through my paperwork relating to this and have found the following

 

1. Default letter from Halifax dated 30 Apr 2009

2. SAR letter sent 05 May 2009

3. Agreement terminated 13 May 2009

4. Copy of unsigned T&Cs received 21 May 2009

 

5. Letter of 'Intended Court Action' received 11 Nov 2009

6. 'Account in Dispute' letter sent to solicitors dated 18 Nov 2009

 

It appears this debt has been sold on many times. It now sits with 1st Credit Finance 3 Limited who wrote to me on Wednesday stating "As you have disregarded our recent letters our local Debt Collector has been instructed to call upon you for payment. To stop this action send payment IMMEDIATELT to the above address"

 

 

Should i simply send them the same 'Account in Dispute' letter i sent to Blair, Oliver and Scott Solicitors i sent in Nov 2009?

[dx100uk]

prob just a phishing trip

 

check your cra file

 

see below

 

dx

[mercman1969]

Tried doing the Noodle Credit Check

 

Trouble is...I now dont own any credit or debit cards............

[dx100uk]

citizenB has just replied to a thread you have subscribed to entitled - Help! - Natwest have instructed capquest - large debt - in the Debt Collection Industry forum of The Consumer Forums.

This thread is located at:

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=330724&goto=newpost

Here is the message that has just been posted:

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

not all the creditors/dcas report to ALL of the CRAs.. so to obtain a full check, you really need to contact the 3 main players.

 

Company Secretary

Equifax Limited

Capital House

25 Chapel Street

London

NW1 5DS

 

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

 

Company Secretary

Experian Limited

Talbot House

Talbot Street

Nottingham

NG80 1TH

 

You can either complete the forms online or send a letter (below) with a £2.00 postal order.

 

---Quote---

All of the three Credit reference agencies offer a paper version and they only cost £2

 

Noddle (who are part of CallCredit) off free online credit reports but as they are the smallest of the threee, they may not have all the info

 

Experian paper app.

http://www.experian.co.uk/downloads/consumer/cfa.pdf

 

Call credit

http://www.callcredit.co.uk/media/53...itfile-app.pdf

 

Equifax

http://www.equifax.co.uk/Products/cr..._file_0310.pdf

 

Send with a £2 postal order.

 

You can use Experians online free trial. just make sure you cancel before the trial runs out

 

Address

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

 

Dear Sir or Madam,

*Limited Data Subject Access Request

s9(2) The Data Protection Act 1998*

I hereby request a copy of my Statutory Credit Report, served under s9(2) of The Data Protection Act 1998.

I enclose the Statutory Fee of £2 paid via Postal Order, number: 123456.

For the purposes of confirming my identity, I can confirm the following details:

*My full name*:

*My Maiden Name: *

*My Date of Birth*:

*My current Address*:

 

I have lived at the above address for XX years.

 

I note that under s7(3) of the above Act, a data controller is not obliged to comply with a request under this section unless he is supplied with such information as he may reasonably require in order to satisfy himself as to the identity of the person making the request and to locate the information which that person seeks.

However, I feel the above information identifies me sufficiently to discharge your obligations to establish my identity before posting my Credit Report.

I am aware that you have 7 Working Days to post the Credit Report to me, commencing the day after this s9(2) Statutory Request has been delivered to your Company.

*This letter must not be regarded as granting your Company any Data Consent*.

Yours faithfully,

*Enclosures:

*1 x Statutory £2.00 Fee via Postal Order Number: 123456

*Notes*:this letter is being sent via Royal Mail Special Delivery service

---End Quote---

there is also

www.checkmyfile.com

....ends