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@askhalifaxbank Halifax default me on a loan several years into agreed reduced payment - unfair?

times

By TheDebtStar
January 28, 2013 in Halifax Bank and Bank of Scotland

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citizenB

Posted January 30, 2013

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#1

Posted January 30, 2013

If this was a personal loan, would there have been any Payment Protection Insurance applied ?

Do you know if htere are any default charges, these can be reclaimed.

Have we helped you ...? Please to the Consumer Action Group

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citizenB

Posted January 30, 2013

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#2

Posted January 30, 2013

If you have not defaulted on the agreed repayment plan then I fail to see why they have suddenly decided to place one now.

If it is their policy to place a default marker on an account that is subject to a repayment plan then they should abide by the rules and place it within the 6 months advised by the Information Commissioner.

Challenge the placing of it at such a late stage using the "Not treating you fairly" argument as suggested in BCOBs which are linked in my signature highlighted in green

Any communication regarding this should be headed Official complaint. They will then have 8 weeks to respond or provide you with a final response letter, you will then be able to take your complaint to the Ombudsman - It might be worth making a complaint to the Information Commisioner as well.