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Decided that it's finally time to deal with my Halifax credit card!

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  • Small update:
    Your item with reference ! removed ! was delivered from our LEEDS Delivery Office on 12/04/10.

    The count down has started!
  • Not heard anything from either Halifax or Fairfax yet, and the £1 cheque hasn't been cashed.

    Assuming that on 26th of April I have heard nothing, what happens then?
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Not heard anything from either Halifax or Fairfax yet, and the £1 cheque hasn't been cashed.

    Assuming that on 26th of April I have heard nothing, what happens then?

    You sit and wait - give them a full month then send this: CCA Dispute / s.10 Cease & Desist
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • You sit and wait - give them a full month then send this: CCA Dispute / s.10 Cease & Desist
    Small update, as I've just checked my bank account, and the £1.00 cheque was cashed on 30/4 - they're not leaving themselves much time, are they? :D
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Small update, as I've just checked my bank account, and the £1.00 cheque was cashed on 30/4 - they're not leaving themselves much time, are they? :D

    Lol, that's about right - so just give them a couple of weeks and see what they come back with :D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Okay, it is a full calender month since I sent my letter, and no reply - do I just send the CCA Cease & Desist letter now?
  • Bump! :hello:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Okay, it is a full calender month since I sent my letter, and no reply - do I just send the CCA Cease & Desist letter now?

    Morning - yes, indeed you do - send it off :D:D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Morning - yes, indeed you do - send it off :D:D
    Posted today, time for another waiting game. :eek::o
  • This morning I received a letter dated 19/05/10, from Fairfax:
    We refer to your letter of 17/05/10 the contents of which we note.

    We confirm that we have requested our clients to provide a copy of the original consumer credit agreement and this will be forwarded to you as soon as it is to hand.

    We can confirm that until the agreement has been provided, this account has been placed on hold and no further action is being taken in respect of the claim figure.

    When the credit agreement has been provided to you then we will require you to put forward your proposals for repayment of the account balance.
    So they've put the account on hold until they've provided me with the credit agreement.

    The waiting game continues.
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