Halifax debt and their approach to people

lxpeanut · 16 February 2009 at 1:37PM

Fairycake wrote: »

My minimum monthly repayment is now at over £200 even though there is no interest being added (this was my one victory so far, I got the interest and charges refunded and the interest is still not being applied)... :mad:

They did exactly the same thing to me. They had frozen everything and didn't tell me they weren't going to anymore untill they sent the statement with chargers and interest added. Just keep paying what you can afford they will eventualy pass it to a DCA probably APEX.

Well done on gettting the interest ect refunded the best I got was a reduced rate for a few months.

Fairycake_2 · 16 February 2009 at 1:41PM

I also have a loan through them too and that has been with Blair Scott Oliver since I started my DMP and they have been nothing short of great, so I wish they would pass over the debt as it would make life an awful lot easier!

tomterm8 · 16 February 2009 at 5:02PM

Fairycake wrote: »

I also have a loan through them too and that has been with Blair Scott Oliver since I started my DMP and they have been nothing short of great, so I wish they would pass over the debt as it would make life an awful lot easier!

Blair Scott Oliver is actually the bank of scotland / Halifax in house collections department.

Fairycake_2 · 16 February 2009 at 5:11PM

Really? Well they have been nothing short of great - completely different to the other idiots that phone.

Even when I got a letter saying I had missed a payment, I phoned them immediately and they apologised and said my account was completely up to date, said it was due to the payment dates falling over a weekend and agreed to send me a letter confirming that my account was fine - which I received within 2 days!

tomterm8 · 16 February 2009 at 5:33PM

Fairycake wrote: »

Really? Well they have been nothing short of great - completely different to the other idiots that phone.

Even when I got a letter saying I had missed a payment, I phoned them immediately and they apologised and said my account was completely up to date, said it was due to the payment dates falling over a weekend and agreed to send me a letter confirming that my account was fine - which I received within 2 days!

That's good. What you tend to find is that DCA's and banks offer very spotty service. It all depends on the person managing your account, so they can range from good to dispicable within the same organisation.