Improperly Applied Default Notices from Halifax affecting Job Prospects

Ash_H21

Hi,
I applied for financial hardship status with Halifax in Oct 08. Halifax refused to recognise I was actually in hardship until Apr 08 when I finally bought in the CAB to negotiate for me. During this six-month period Halifax applied two separate default notices to both my current account and my personal loan agreement. I contacted Halifax and explained that these had been applied unfairly as I had been transparent with them at all stages and let them know in good time that I was in hardship. Halifax have refused to listen and now I am being informed that these two default notices will mean that my security clearance is not likely to be renewed. I have informed Halifax of this repeatedly and they still will not remove them. Without this security clearance I am unable to work in my field and will be unable to get another job, driving me deeper into debt.

Has anyone else encountered a similar problem or is able to give any advice on this incredibly frustrating situation?

Ash

LeeSouthEast

Did you fail to keep to the terms of the agreement? If so, then you are in default. That's about all they need prove for it to be done unfortunately. Financial Harship only really applies to reclaims.

In any case having a default does not automatically mean you will not re-clear, but somewhat depends to what level? CTC? SC? SCE? DV? Can you make arrangements with Halifax to satisfy the defaults?

Ash_H21

It is for DV clearance and I have been told by the DVA that it is unikely to be renewed. There was no agreement with Halifax in place at the time, although I was trying to reclaim. I was attempting to get Halifax to freeze the interest payments on both my current account and a personal loan agreement.

Ash_H21

Is it also worth mentioning that the amount I am trying to reclaim would more than cover the cost of clearing all my debts? I believe this is why it took six months for Halifax to accept my claim, because now I owe them more in interest repayments than will be covered by my reclaim.

LeeSouthEast

In that case it would be worth discussing it during the [strike]grilling[/strike] interview, and take statements and your charges calculation to back it up. Is your credit file/borrowing otherwise in good condition? (Sorry to probe).