credit card- really struggling to make a dent!

michellejm

EssexHebridean wrote: »

So they were aware that you were not receiving statements... If it were me I'd take things into writing with them now, I think. Set out the situation, including the point about them being legally required to supply you with statements, and the fact that you had made them aware that you were unable to see the online statements, and that they had acknowledged that they were aware of this. Make the point that the card was NEVER reported stolen by you.

You need to get this escalated off the bottom level of the customer complaints department. Then I imagine you'll see some constructive action.

These phone calls are in response to a formal written complaint where I laid out their legal requirement to give me statements. I have said I want all there findings in writing so I can escalate to the FOS. she said they'll ring me back, but their line seems to be that they've done nothing wrong and I should have asked more often.

Kitten868

Well done for staying strong. It's hard I know but I really do think you are doing the right thing. £180 And keeping the loan open is a joke.

michellejm

thank you.

michellejm

Have received 2 years worth of printed out statements, but nothing else at the moment. My APR is 29.9% (!!!!!) and on many months the payment covered the minimum payment but was still less than the interest, which explains why the balance is reducing at a snails pace.

EssexHebridean

michellejm wrote: »

Have received 2 years worth of printed out statements, but nothing else at the moment. My APR is 29.9% (!!!!!) and on many months the payment covered the minimum payment but was still less than the interest, which explains why the balance is reducing at a snails pace.

I had a sneaking feeling that they weren't meant to allow this situation to develop these days.

At least you now know the answer to

“
She also said- well how would having a statement have helped you clear the debt anyway?

!

michellejm

EssexHebridean wrote: »

I had a sneaking feeling that they weren't meant to allow this situation to develop these days.

At least you now know the answer to !

Yep, that's what I thought! Also, I've noticed that they say they closed my account nov2014 due to a supposedly lost card, statements show my account was closed on April 2014 (with no contact or explanation) I've paid a couple of pounds under on 4 occasions (because I have to get passed from one dept to another to find any details of my account) and been charged fees, with no notice from them. I bank with them, they have my address and phone number surely they should let me know?

michellejm

I've had a final response from halifax. The letter states that they accept that they withheld statements for 25 months (although its 30 by my count), and that I rang 'numerous times' but was wrongly told I was not eligible to see a statement. They also admit they wrongly marked the card as stollen when it wasnt. But they finish by saying say that on my payment record, statements would have made no difference to me or my ability to pay and they have no intention of repaying any inrtetsst or charges over these months. Their final offer is £200. (They have charged me £12300 interest and charges during my time without statements plus the cost of numerous phone calls. . Any advice what to do next? Is it worth going to the FOS, or is my complaint too tenuous?

sourcrates

The Consumer Credit Act governs the licensing of traders who supply credit or goods.

Section 6 of the Consumer Credit Act 2006 inserts a new section (s77A) whereby a statement must be provided if the agreement is a fixed sum credit agreement under section 77A.
The statement should explain the money borrowed, money paid, interest in all cases and the outstanding amount.

The creditor under a regulated agreement for fixed sum credit must within a period of one year (beginning with the day after the day on which the agreement is made), give the debtor a statement.
After giving that statement, the creditor must give the debtor further statements at intervals of not more than one year.

Failure to provide the statement.

If the creditor fails to give the debtor an annual statement, then he is not entitled to enforce the agreement during the period of his non-compliance, and the debtor is not liable to pay any interest during this period.
The debtor is also not liable to pay any default sum that would have become payable during the period of non-compliance or that would have become payable after the end of that period in connection with a breach of the agreement occurring during that period.

They cannot pick and choose which legislation they adhere to, I am amazed at this response to be honest, some re-education needed in their compliance dept me thinks !!!

FOS is the next step.

michellejm

Thank you. I'll do that. They've been so rude and made me feel stupid as they've said- you tell us you would have been able to look into consolidating the debt if you'd been able to see statements/interest etc, but on your payment amounts we feel that is very unlikely. i always paid, and surely if they felt I was struggling with the debt they should have helped me, not tried to belittle me? I guess I might as well try progressing to FOS.nothing to lose.

ani*fan

I have just read your thread and am absolutely furious on your behalf that you have been treated this way. It is not ok in ny way and someone at Halifax needs to take responsibility for this situation.

Previous posters have made good suggestions about how to proceed and I do hope you keep going with your complaints against them. It will be worth it in the end, just demoralising to have to do it. But persevere and keep us all informed about how you get on.

Best of luck.