1st credit taken over old halifax credit card debt

[davel32]

Hi all, my debt with Halifax has been handed over to 1st credit,

 

 

I have had a payment agreement with Halifax for a few years,

 

 

I have offered 1st credit the same,

 

 

they are now asking for a financial statement,

 

 

do I have to provide them with this?

[BankFodder]

On the face of it this is unfair treatment by the Halifax.

 

Are you saying that you have had a debt which you have been paying off by instalments for some time as a result of an agreement with Halifax and that you have kept the terms of the agreement correctly without any late payments or any other problems?

 

Have you got a written agreement about this repayment plan? What does it say?

[dx100uk]

whats the debt all about please

 

 

is it on your credit file?

 

 

dx

[davel32]

Hi, yes have been paying off for some time,

 

 

Halifax passed it over to a debt collection agency very soon after agreement was made,

 

 

it then got passed back to Halifax as debt company could not contact me as I had moved a couple of times,

 

 

I still continued to pay,

 

 

Halifax have now passed it on to 1st credit,

 

 

I must admit that over the years a couple of payments have been missed,

 

 

yes the debt is on my credit file

[dx100uk]

what is the debt and the defaulted date please

[BankFodder]

How long ago were the missed payments - how many exactly and how many correct payments have there been until now?

 

If you have missed payments then this breaks the agreement. However, if you resume the payments and they are accepted without any protest and if those payments continue for a reasonable time then it may be possible to say that the installment agreement has been restored.

Please can you give us those details.

 

Have those missed payments been paid up or is the agreement still in arrears?

 

Please can you stay with the thread because it gets tricky for us to get back into it if you drop out for three days with unanswered questions

[davel32]

I have probably missed 4 payments in 7-8 years, and have made sure if I missed a payment the next payment was double,

 

 

I haven't got the original agreement,

 

 

this debt is for a outstanding credit card,

 

 

I was made redundant and fell behind with payments,

 

 

I went into debt consolidation but wasn't getting anything paid of with their charges,

 

 

so made agreements with lenders to pay, this was 2006 I think

[BankFodder]

So please can you tell us how long since you last missed a payment?

[davel32]

its been probably a couple of years

[BankFodder]

OK. Thanks.

 

Please would you also answer the question from DX.

[davel32]

The debt is a credit card default date 2006?

[BankFodder]

Any PPI?

[davel32]

Just looking into that

[dx100uk]

send them a CCA request!!

 

 

1st credit that is!

 

 

if it was an aqua card?

 

 

they'll have a job getting anything other than the application form.

 

 

bye bye debt

 

 

dx

[davel32]

any recommended PPI company's ?

[davel32]

Thanks DX will give it a go

[dx100uk]

please don't lose upto 50% of your money by using a fee paying CMC.

 

 

do it yourself for FREE with help from here

 

 

you'll need ALL the statements via an sar to HBOS first mind.

dx

[BankFodder]

However - keep making the payments religiously until you know that you are clear. There is no room here for errors.

 

In response to their request for a statement, then if there is a CCA, I would suggest that you then write to them and point out that you are party to a payment agreement with the original creditor and that you have no intention of altering the agreement or of entering into any discussion about it.

Ask them why they believe they need a statement and what authority if any exists which requires you to provide one.

 

However, follow DX's advice first

[davel32]

Many thanks will get onto it first thing tomorrow, will let you know how I get on

[davel32]

Hi all, had response from 1st Credit dated 2nd Feb saying they would request CCA from Halifax, as of today I still have not received this from them, any suggestions on next course of action?

[renegadeimp]

If 12+2 days have elapsed since you sent the DCA a CCA request and they havent complied, then stop paying until they do.

[dx100uk]

working days

 

 

dx

[davel32]

will leave it a few more days then

thanks

[davel32]

Hi dx still no response from first credit, now 21 days since they wrote to say they would contact Halifax

any advice please?

[dx100uk]

as post 21

 

 

nothing more for you to do till/if they comply.

 

 

dx