Incorrect Details on Personal Loan Agreement

motorguy

ScaredWitless wrote: »

I took out online a personal loan with my bank Halifax in December 2011.

I recently wanted to check the details and so last year, I asked the bank for a copy of my credit agreement.

They supplied with with a basic office copy ie black and white.

No signature as it was done online.

Incorrect address on loan agreement, plus there was an incorrect interest rate.

They also failed to supply the terms and conditions seperately at the time of request.

Would this make the agreement invalid in any way?

I have sent the bank a detailed income and expenditure showing I am unable to maintain payments, the bank has not replied.

I have sent the information to both their Collection and Recoveries Department and their Customer Priority Team.

Both letters were sent first class recorded delivery, and have been signed for by the bank at their end.

The bank is also aware that I am a vulnerable adult with mental health problems, I've given the copies of my doctor's report showing my condition.

My bank is just not being cooperative with me and ignores my letters.

So what will happen if they try and take action on me considering they have ignored recent letters from me!?

Why are you using a solicitor? :eek:

They certainly dont operate for free.

If you've debt problems surely one of the free services such as payplan would make more sense?

Also, dont pin any hopes on trying to weedle out of repaying the loan - no matter what your solicitor might be telling you (at probably £180 an hour).

Also if you're not prepared to talk to the parties involved but you are leaving it to your solicitor, who do you think is going to be paying for all those letters hes writing?