Halifax Card services..

Worcsman

Hello all, once more I am in need of your collective advice.

I received two letters this week, one like so many others from Evesheds saying that my BR debt had been sold, I have seen the advice here in the forum on that one so thanks.

The other from Halifax Card Services demanding immediate payment of the outstanding debt or legal action will be started against me.

I was discharged in October 2010. I havent yet started my credit file cleanup.

I have printed off the template letter to instruct them to stop collection activities. I just need to know 2 things.

• Is sending them the template letter the right course of action as I believe it is?
• Who do I address the letter to? It is signed off, Anne Gartshore, Senior manager Customer Services and Support. To her?

I had considered sending it 3 ways all at once, normal post, signed for and recorded.

Thanks in advance for any help.

Worcsman.

fermi

If you are going to send them the "bog off" letter, then I would also include a copy of the cleanup letter with it. You may as well.

(Send the clean-up letter separately as well to the appropriate address, but including it as a extra with the "bog off" letter may help reinforce the point.)

Who to send to? Whatever complaints address you can find. Honestly, I'm not sure if it would make a jot of difference addressing that to her personally? It's a common name that is attached to HBOS letters fobbing people off for one thing or another, so I can't imagine that they actually have mail passed to that person.

You can also email an electronic copy to: [EMAIL="customerrelations@halifax.co.uk"]customerrelations@halifax.co.uk[/EMAIL]

Doesn't cost you anything, and I've found that a complaint email backed up with a recorded delivery snail mail version to be the most effective way of giving companies a kick up the bum. From two separate directions seems to help for some reason?

Ineedaname

Worcsman wrote: »

I had considered sending it 3 ways all at once, normal post, signed for and recorded.

Just for clarification: signed for and recorded are the same thing. Recorded goes in the same mail bag as normal post so I wouldn't bother sending a normal post one as well. You wouldn't know if it had arrived and been ignored, or got lost.

So send recorded and email as your belt and braces.

dojoman

I would do as Fermi suggests and send an email as well, I sent all my clean up letters by recorded delivery and 2 were not delivered. Whenever I can now, I just attach scans of all my BR documents to an email, seem to have a better level of success with this as well:)

Worcsman

thanks all for the replies, I have had limited internet access after moving home, just got reconnected today, only just over a month after the move! Aint BT great.

Richardsct

Where can I find the "bog off" letter template?

Also how frequent is it to be hassled by former creditors like this, surely Halifax MUST know that this debt was included in a persons BR?


thanks

tigerfeet2006

Fermi's wonderful bog off letter, adjust as necesary. Send recorded.

Your Address

Date:

Creditor's Name
Address.

NOTICE: Pursuit of a debt included in a bankruptcy. Do not ignore this letter. You must cease collection activity IMMEDIATELY.

Dear Sir/Madam

Account No: *****************

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

I would point out that the account was included in my bankruptcy which commenced on <date>.

Consequently, the debt in question is no longer my legal responsibility.

ALL contacts and claims regarding the debt MUST be addressed to the Official Receiver's Office dealing with the case.

My case was XXX of 200X, at <somewhere> County Court, and the address of the Official Receiver is below.

<Address of the OR.>

A copy of the bankruptcy order is enclosed for your convenience.

Please note that the Official Receiver has requested that all future contact from your company regarding these accounts is reported and forwarded to themselves, and that continued contact with myself may result in Official Receiver taking enforcement actions against your organisation.

Please also note that we are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when the debt is not due.

In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

In addition, your continued telephone calls are in breach of the Office of Fair Trading guidelines. If you continue with them after the receipt of this letter an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office.

This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’ in that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. A formal complaint will be submitted to the relevant authorities. This will be relevant to questions of your fitness to hold a licence under the Consumer Credit Act, whether or not it results in a prosecution.

Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

We await your written confirmation that this matter is now closed.

We look forward to your reply.

Yours faithfully



A N Other

It's one department not talking to other departments and they are sore losers.