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  • FIRST POST
    • zorz
    • By zorz 16th Sep 17, 8:28 PM
    • 22Posts
    • 3Thanks
    zorz
    Halifax want £10. Is this right?
    • #1
    • 16th Sep 17, 8:28 PM
    Halifax want £10. Is this right? 16th Sep 17 at 8:28 PM
    Using the MSE template, I contacted Halifax about a credit card. They responded requesting £10 before releasing information concerning PPI. Is this correct?
Page 1
    • amersall
    • By amersall 16th Sep 17, 8:30 PM
    • 16,674 Posts
    • 18,717 Thanks
    amersall
    • #2
    • 16th Sep 17, 8:30 PM
    • #2
    • 16th Sep 17, 8:30 PM
    What is it you need from them, was it a mis sell or paperwork?.
    Last edited by amersall; 17-09-2017 at 7:26 AM.

    • zorz
    • By zorz 16th Sep 17, 8:35 PM
    • 22 Posts
    • 3 Thanks
    zorz
    • #3
    • 16th Sep 17, 8:35 PM
    • #3
    • 16th Sep 17, 8:35 PM
    The following was sent:

    "I am writing to request a copy of my original agreement with Halifax Card Services. If the original loan agreement does not include details of the insurance added to the account, such as the number and cost of any monthly payments or any lump sum fees and interest charges applicable to this fee, please attach or advise how I can get access to this information.

    I look forward to your response within 40 days, as is obliged under the Data Protection Act 1998. If not, I shall seek remedy from the Information Commissioner."
    • amersall
    • By amersall 16th Sep 17, 8:37 PM
    • 16,674 Posts
    • 18,717 Thanks
    amersall
    • #4
    • 16th Sep 17, 8:37 PM
    • #4
    • 16th Sep 17, 8:37 PM
    As you have requested information, you need to pay the £10.
    Are you trying to get a loan written off if they don't have the agreement?.

    Your post is regarding a credit card, is this right? is the card still in use?.
    Last edited by amersall; 16-09-2017 at 8:40 PM.

    • amersall
    • By amersall 16th Sep 17, 8:47 PM
    • 16,674 Posts
    • 18,717 Thanks
    amersall
    • #5
    • 16th Sep 17, 8:47 PM
    • #5
    • 16th Sep 17, 8:47 PM
    It would be easier if you gave details of what you are trying to do so you can get the correct help that you need.
    Last edited by amersall; 16-09-2017 at 8:50 PM.

    • dunstonh
    • By dunstonh 16th Sep 17, 10:27 PM
    • 89,461 Posts
    • 54,930 Thanks
    dunstonh
    • #6
    • 16th Sep 17, 10:27 PM
    • #6
    • 16th Sep 17, 10:27 PM
    I look forward to your response within 40 days, as is obliged under the Data Protection Act 1998. If not, I shall seek remedy from the Information Commissioner."
    As obliged under the data protection act, you are required to pay £10.

    When you are going to use legalistic language, it usually makes sense to know what you are doing.

    Is this a loan or a credit card? You say Halifax card services but then say loan agreement. If it is a card, then why do you need the agreement (certainly not needed for PPI and not much use in most cases)
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from a Financial Adviser local to you.
    • Moneyineptitude
    • By Moneyineptitude 16th Sep 17, 10:36 PM
    • 19,261 Posts
    • 9,371 Thanks
    Moneyineptitude
    • #7
    • 16th Sep 17, 10:36 PM
    • #7
    • 16th Sep 17, 10:36 PM
    Is this a loan or a credit card?
    Originally posted by dunstonh
    I contacted Halifax about a credit card.
    Originally posted by zorz

    There seem to be a few posts missing from this thread, going by the responses...
    Last edited by Moneyineptitude; 16-09-2017 at 10:39 PM.
    • zorz
    • By zorz 17th Sep 17, 5:31 PM
    • 22 Posts
    • 3 Thanks
    zorz
    • #8
    • 17th Sep 17, 5:31 PM
    • #8
    • 17th Sep 17, 5:31 PM
    Thank you.
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