halifax

newfold123

not paid halifax for three months as was waiting for a copy of cca all they sent was papers saying conditions of use nothing relating to the account recieved a letter on 26/7/10 stating this is a default notice then on the 7/8/10 another letter saying that my account details are being passed to a debt recovery agent what do i do

newfold123

any advice as what to do

NorthernLas

I would suggest that you follow the process outlined in the unenforceability thread III and letters from IV

Because you have not paid, they have put a default on your account and passed it on to a debt collection agency.

I would suggest you send a CCA query letter telling them that you have received an application from and you want the agreement.

https://forums.moneysavingexpert.com/discussion/2305463 enforceability III

https://forums.moneysavingexpert.com/discussion/2532927 enforceability IV

https://forums.moneysavingexpert.com/discussion/2532927 CCA query

Hannah_10

I'm also gonna say send the CCA query letter...

http://forums.moneysavingexpert.com/showpost.html?p=33791719&postcount=14

newfold123

many thanks will do

newfold123

can someone advise recieved default notice which is dated 26/7/10 saying i must make minimum payment and i must pay arrears by 16/8/10 then a letter dated 7/8/10 says they have recently issued a default notice and they have terminated my credit agreement and a debt collection agency will contact me then recieved a letter dated 24/8/10 from albion saying they are working for the halifax and need to recover what i owe and are asking for full amount which i owe on cc what do i do what can i write been waiting for cca and all they sent was an application form and some pages saying conditions of use my signature is on application form but there are no terms etc can someone please advise

DGJsaver

Why on earth did you start the CCA route when you clealry dont have the first clue what your doing ?

I suggest taking the time to udnerstand it PROPERLY by following the advice already given

mr.ton

Fear not with Halifax...ive been through the mill with these clowns & their default notices/threats are not worth the paper they are printed on.
They may pass you onto Buchanan Clark & Wells, then Albion collections & then Fairfax Solicitors - each as useless/powerless as each other
Remember the phrase - no CCA = no enforcable debt = no payments = end of.
Report them to OFT,trading standards and the financial ombudsman service, if you fancy causing a bit of aggro for them

NorthernLas

Did you send the CCA query letter and did Halifax respond?

You can send an account sold in dispute letter telling the DCA that you are waiting for a CCA http://forums.moneysavingexpert.com/showpost.html?p=33791899&postcount=14

newfold123

have been waiting for over 10 months they sent an application form then pages saying condition of use then typed papers with heading credit card agreement not signed and not from when i opened account as it has my marriage name and no i dont really know what i,m doing

mr.ton

They know they havent got a CCA & are trying to fob you off with any old printed out garbage.....the cheeky sods then pass you on to the DCA industry.
Time for compliants to be made me thinks....