Credit Card Vanished - Online Banking

rb10

kc7020 wrote: »

If the banks do keep a record I don't understand why they could not find the account when I called them.



That was my thoughts, however the fella I spoke to on the phone stated clearly that even if it was/has been passed on to a debt collector they (the bank) would still have a record of the account, which they do not.

A record still exists, it's just been moved and is no longer visible to customer services (as they no longer manage the account, the debt collection agency do instead).

kc7020 wrote: »

I also no longer have access to mail at my previous address, the one the card was registered to.

You have completely shot yourself in the foot.

I would suggest contacting Blair, Oliver & Scott (who Halifax tend to use for debt collection) and explaining the situation to them.