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    • K67Y
    • By K67Y 5th Dec 17, 4:34 PM
    • 4Posts
    • 0Thanks
    K67Y
    Halifax have registered a default for £119 on my account - please help!!
    • #1
    • 5th Dec 17, 4:34 PM
    Halifax have registered a default for £119 on my account - please help!! 5th Dec 17 at 4:34 PM
    Hi all,

    In June last year, my account got used online to spend money on world of Warcraft items (which Iíve never played in my life). I called Halifax who credited my account £178 and was told if it was found to be in the sellers favour, theyíd credit my account and let me know. I said thatís fine as I knew I hadnít used it and was happy to carry on.

    Fast forward 2 months, I logged in to my banking and was -£120... So they took the money back and sided with the buyer which I wasnít exactly pleased with and called collections who then told me in July/August time that I needed to write a letter with everything I wanted to know and wanted to complain about so I did. (Stupidly not recorded, lesson learnt).

    I hadnít heard anything by September so collections called me again, I told them Iím awaiting a response from my letter and sent it again. The lady on that phone call told me I had six months to pay it or it would be sold on and defaulted, I was fine with this as if it came to it I wouldíve just cleared the debt even though I wouldnít be happy about doing so.

    Iíve still not heard back regarding my letters, I just checked my credit file as Iím due to be getting a mortgage sometime soon and I have a default from 15/09/2017?! I called Halifax immediately and they told me the account was sold to a third party to handle the debt and she couldnít advise whether paying this would remove the default.

    I really am stressing, I honestly didnít receive any default letters and was just awaiting a response to my letters before paying the balance as itís like someone stealing your card then you being forced to pay for it...

    I really need this removed and for the sake of £119 I donít see why it should affect me for SIX years(!!) especially as I did not make the original payment and was just awaiting a response. I just called moorcraft and they told me the account was sold to them but they canít remove the default themselves.

    Can someone please assist?! Iím stressing out and my wife will be gutted if this affects our mortgage as weíve been saving for a few years now... Iíd happily of paid it if I knew it wouldíve caused me this much stress and drama.

    Sorry for the long thread!!
Page 1
    • K67Y
    • By K67Y 5th Dec 17, 4:39 PM
    • 4 Posts
    • 0 Thanks
    K67Y
    • #2
    • 5th Dec 17, 4:39 PM
    • #2
    • 5th Dec 17, 4:39 PM
    Also it’s probably said thousands of times but the only letter I received was saying they were trying to get in contact with me regarding the balance but I had already spoken to someone a few days prior so didn’t call back. I thought it would’ve been sent before the phone call so it’s probably being dealt with now.

    In hindsight I should’ve sent it recorded and just phoned them back but I had been banking with them for years so thought they’d first respond to my letters before taking any action (which never happened).
    • K67Y
    • By K67Y 5th Dec 17, 4:51 PM
    • 4 Posts
    • 0 Thanks
    K67Y
    • #3
    • 5th Dec 17, 4:51 PM
    • #3
    • 5th Dec 17, 4:51 PM
    Also - I am nearly 22. So obviously this will affect me for the next 6 years meaning it will be with me until I am 28! That’s a long time all for the sake of £119 . Truly gutted, if anyone can provide any assistance it would be truly appreciated.

    They told me they’ve passed it over to customer services who will call me within 5 days to discuss but I’m afraid they’ll fob me off also.
    • Carrot007
    • By Carrot007 5th Dec 17, 5:30 PM
    • 758 Posts
    • 621 Thanks
    Carrot007
    • #4
    • 5th Dec 17, 5:30 PM
    • #4
    • 5th Dec 17, 5:30 PM
    It's not a large default so I would think you would still be able to get a mortgage if you use a (specialist) broker, which you should be doing anyway.

    You can always try and make a deal with halifax, but only pay if you have it in writing first. Though maybe paying and "begging" saying you never recieved the letters is the better idea.
    • K67Y
    • By K67Y 5th Dec 17, 5:40 PM
    • 4 Posts
    • 0 Thanks
    K67Y
    • #5
    • 5th Dec 17, 5:40 PM
    • #5
    • 5th Dec 17, 5:40 PM
    It's not a large default so I would think you would still be able to get a mortgage if you use a (specialist) broker, which you should be doing anyway.

    You can always try and make a deal with halifax, but only pay if you have it in writing first. Though maybe paying and "begging" saying you never recieved the letters is the better idea.
    Originally posted by Carrot007
    Iím going to call the customer service number tomorrow, Iím definitely going to be doing a lot of begging! So annoyed with myself for not just accepting defeat.
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