Halifax..........GRRRRRRRRRRRRRRRR

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dobbollah
dobbollah Posts: 230 Forumite
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in Debt-free wannabe
SO I have been in commnication with Halifax about settling the account, so on the 11th June they put it in writing confirming the offer was good for 30 days.

Today I speak to them to find that on the 13th they sold the debt to a DCA..............

Give me strength
Debt free since Jan 2016

:beer:

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  • Karen777
    Karen777 Posts: 416 Forumite
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    ouch..... what a pain. I have no advice but just wanted to acknowledge the hellishness of them!
    Debt at highest - June 2013 - 26k/ March 2018 - 2500
    Proud to be dealing with my debts
  • dobbollah
    dobbollah Posts: 230 Forumite
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    Idem were trying to be crafty when i spoke to them...."so am i dealing with you now are halifax out the picture?"

    "yes"

    "so whats yor settlement figure?"

    "ah we'd need to see the letter from halifax"

    "why im dealing with you now"

    "we need to see the letter first" GRRRRRRRRRRR
    Debt free since Jan 2016

    :beer:
  • chanz4
    chanz4 Posts: 10,898 Forumite
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    show it them if that's what you want to settle at
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • dobbollah
    dobbollah Posts: 230 Forumite
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    I have........but i wanted to settle for lower, but halifax ignored the letter and sold the debt !
    Debt free since Jan 2016

    :beer:
  • rizla_king
    rizla_king Posts: 2,895 Forumite
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    Offer then 20% less. they will still make mega bucks on that as they would have paid just a small %
    Still rolling rolling rolling...... :) <
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  • dobbollah
    dobbollah Posts: 230 Forumite
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    exactly what i did....i must be learning :-)
    Debt free since Jan 2016

    :beer:
  • bennyhill_2
    bennyhill_2 Posts: 89 Forumite
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    Which DCA is it, as IME some of them say they are dealing with the account now but when you want to discuss settlement they then say they'll need client authorisation!
  • dobbollah
    dobbollah Posts: 230 Forumite
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    Idem............who I have no faith in having just sent them a settlement letter for much smaller account, and they reply with a letter asking for some details, all of which where in my original letter.........is it so difficult to give companies money ????
    Debt free since Jan 2016

    :beer:
  • dobbollah
    dobbollah Posts: 230 Forumite
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    edited 9 July 2015 at 5:46PM
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    So guess what Idems response was....management want to wait for full and final settlement....................

    unbelievable.......

    after a bit of a moan they have now emailed halifax to ask about this....

    p**s up and brewery spring to mind
    Debt free since Jan 2016

    :beer:
  • dobbollah
    dobbollah Posts: 230 Forumite
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    well we finally got an answer.....Idem will honour a settlement figure for 65% of the balance............

    I think considering Halifax sold the debt Idem are being a cheeky considering I'm sure they bought the debt for alot less....

    2 trains of thoughts now

    Given this account was defaulted I and I have have 2 that aren't....it seems to make more sense to settle the non defaulted ones first and deal with the defaulted ones later on (hoping that with some time past Idem would take a better rate)

    Unless anyone has anyone suggestions...?
    Debt free since Jan 2016

    :beer:
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