halifax

newfold123

is there a letter i could write asking halifax to suspend the interest on my credit card as all they have sent is an application form with no t&c on they sent newly printed sheets with halifax credit card use conditions on which has no relation to my account and when i spoke to them i was told that is all they have

Tixy

Are you saying you have done a CCA request but they haven't been able to send the correct agreement out?

Have you already defaulted on this account? Are you paying less than the minimum payment currently?

newfold123

hi paying the minimun monthly payment did a cca request and they sent my application form which is from 200 and several sheets of paper saying conditions of use didnt have none of my details on or any thing relating to the account

Tixy

If you try to use the fact that they haven't produced a valid CCA to stop payments of even reduce your payments then that are within their rights to issue a default on the account. Whether thats something you want to do is up to you but it will affect your credit file for the next 6years.

I guess you could try asking them to freeze interest on the loan but usually this is only considered by a creditor if you default and cannot meet the minimum repayments. You will find some template letters on national debtline website which may help you construct a letter.