Halifax horror

Daston

Hey guys

Had some drama last night with the Halifax. I received my credit card statement from them last Friday saying I had missed the previous months payment. Which is quite likely as I was getting married around the due date and it must have gone from my mind.

So my statement says that the payment is due by the 19th July, no problems with that as was at the end of the month so all will be sorted. Fast forward to last night, I received a letter asking for payment of the arrears with the normal blurb of "if you cant pay this phone this number etc etc". As I was doing a splash and dash I didn't have time to call them and made a note to pop into the branch today and sort it out.

Then at 20:00 I get a call from my wife telling me there's a chap on the door demanding payment and demanding to come into the house! Now not being funny but less than 3 hours notice is a little short in my book! Of course my wife didn't pay him and told him he could wait for me to get back. When I got home 20 min later there was no sign of the chap, he said that they did attempt to call but my wife dosnt answer any calls from numbers she dosnt know and they apparently don't leave voice messages (bloody handy then).
Is this normal behaviour from them?

I was always under the impression that you needed written notice that the boys were coming round.

sammyjammy

It sounds very strange and is not something that Halifax would ever do after one missed credit card payment. I would be contacting Halifax and then maybe informing the police once you've clarified it wasn't anyone from Halifax.

Perhaps you should consider setting up a Direct Debit for your minimum payment.

ETA Looking at your previous posts I imagine there might be more to this than you've stated.

ihateyes

Yes id agree. i worked for the halifax credit card dept, and this wouldnt happen unless they had already sold the debt off to another company.

Poster needs to explain more. have you missed lots of payments, are you on a repayment plan? is it with a DCA?

Daston

Not on a repayment plan. My card has slipped over the maximum limit on a couple of occations but I have always resolved this within the same month as the statement date.

Tixy

Did they chap show your wife any id as to who he was?
How much detail did he know about the debt?

ihateyes

seems drastic..... dont know how the bank could afford to send people out to everyone that missed a payment or went over.

Id ring them and find out, let us know

chanz4

its goto be more than jsut a couple of payments.....3 +?

Azrael_1701

With HBoS accounts (credit and current), after one payment has been missed for two weeks it drops into Head Office Collections, they then phone & send out various bouts of letters, then if no payment is made by the next payment (sometimes sooner if the balance is large) it goes to Blair, Oliver & Scott (In-house collection agency), then the same thing happens as in HO Collections (this is where defaults are usually added), then if they cant get any ££ from you it gets sold to an external recovery firm, and these would be the ones to send people round....