Halifax Say No to Dispute - loan/card - no paperwork

[dx100uk]

a debt being unenforceable is no excuse to get a default removed.

 

 

this debt is still with the original creditor

I question your logic in not paying 'something'

 

 

when was the last time you paid anything to anyone regarding this card?

[Lucky7even]

a debt being unenforceable is no excuse to get a default removed.

 

 

this debt is still with the original creditor

I question your logic in not paying 'something'

 

 

when was the last time you paid anything to anyone regarding this card?

 

I cannot afford to pay anything at all as my income is very limited, thats why I sent them an income and expenditure sheet, but they have never acknowledge this.

 

I last made a payment via an IVA around 2 years ago.

[dx100uk]

ok let it run then.

cant really see the point of what you did by sending that missive to Harry Singh

 

 

not what we advised I don't think

 

 

your best idea might be to investigate the irresponsible lending route.

[Lucky7even]

Been down that road with the FOS.

 

Sided with Halifax said they did nothing wrong.

 

Made that complaint over a year ago.

[Bazooka Boo]

Okay so my problem now is this, how can I get the default removed if the debt is not enforceable? You can't and won't until it drops off on it's sixth birthday.

 

What can I do if they keep hassling me for money and start passing it around to DCA's again!?

 

Ignore them, a DCA is a powerless wannabe, they're harassing you because you keep prodding them and alerting them to your presence and they're giving you the attention you've asked for.

[Lucky7even]

Ignore them, a DCA is a powerless wannabe, they're harassing you because you keep prodding them and alerting them to your presence and they're giving you the attention you've asked for.

 

Okies will ignore.

 

Thanks.

[Bazooka Boo]

[Lucky7even]

I sent a letter to Harry Singh at Collection and Recoveries Department on the 8th August along with an income and expenditure, showing I am unable to pay debts.

 

This was not responded to.

 

I then received a letter from the Customer Priority Team around 2 weeks ago, I sent a reply back to the address on the letter, and enclosing copies of correspondence sent to Harry Singh on the 8th August.

 

Why have I had no reply considering I was enclosing a detailed income and expenditure that I cannot make payments?

[Bazooka Boo]

Why are you still poking them??

 

They are probably bored of you, hence their lack of correspondence.

 

Please ignore them.

[Lucky7even]

Why are you still poking them??

 

They are probably bored of you, hence their lack of correspondence.

 

Please ignore them.

 

 

So what happens if I now ignore them, and I get a county court claim?

 

Thats what I am worried about.

 

They just wont respond to the income and expenditure I've sent them.

[Bazooka Boo]

IF you do get a court claim, IF, you do, then you defend it.

 

Keep on poking them, and they will issue a claim because you're wanting their attention.

 

If you have copies and a record of what you've sent them, then there is nothing more to do except IGNORE them.

 

Your worries are unfounded, if they wanted the money then they would have taken you to court months ago.

STOP rattling their cage, or you risk your worries coming true.

[dx100uk]

i thought both of these had no CCA returns that were enforceable?

[Lucky7even]

No, both accounts they did not provide valid agreements, plus they did not provide under separate cover terms and conditions were missing.

 

Incorrect address on personal loan agreement, andwrong interest rate on the personal loan agreement.

[dx100uk]

then they are unenforceable

and until they provide enforceable paperwqork

or

issue a claim form

they can be ignored totally

 

 

dx

[Lucky7even]

then they are unenforceable

and until they provide enforceable paperwqork

or

issue a claim form

they can be ignored totally

 

 

dx

 

Thank you, will do.

[Lucky7even]

I also forgot to ask regarding he personal loan agreement, there is no signature box on it and its not a recon as it says "BANK COPY" on the front.

[Bazooka Boo]

Still ignore L7, if they wanted to take action then they would have done sooner, at the moment, all they're doing is playing you and winding you up because they know you're scared.

 

Forget it, for now.

[Lucky7even]

Still ignore L7, if they wanted to take action then they would have done sooner, at the moment, all they're doing is playing you and winding you up because they know you're scared.

 

Forget it, for now.

 

Okies I can now.

 

Thank you for reassurance xx