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Hello, hope you can help me. This is going to be a long one so I am sorry...
I had a Halifax current account which started in October 2008 with an overdraft facility. I started university in March 2009 and in August 2009 due to personal troubles, I had to move out quickly and move in to halls of residence. I went into the branch and changed my address. When I didn't get any statements I phoned Halifax and they said the address had not been changed and to write in. I still have copies of these letters that I wrote to them.
When checking my credit file, in April 2011 I noticed that they had placed a default. By this time I had left university and qualified but as there were cuts in healthcare, I didn't have a job. I knew that the large amount of the debt would have been charges so I wrote to them asking for them to refund charges and also remove the default due to financial difficulties as I had just left uni and had no job. I didn't hear anything again.
All of the letters I have wrote to them always had my current address on there. In August 2012, I decided to write to them again with the letters I had sent previously and still nothing.
In November 2012 I start to get letters from 1st Credit at my current address stating they have bought the debt and demanding money. I was angry so rang up Halifax (and definitely didn't want to talk to any DCA) who finally put me through to the chap that is dealing with my complaint. He said he had replied to my letter in August 2012 but had sent it to my old address. Halifax have never changed my address. My new address was on the letter I wrote to him in August and on every other correspondence that I have sent them but they have been sending letters to an address that I can't visit to pick up mail due to personal reasons. This has been explained to them throughout the 3 or so years but they've not bothered to change the address.
He said in the letter he was willing to refund all charges from September 2009 as that was the last time the account was used properly. He has now bought the debt back put the refund of charges on and given the debt back to 1st credit. I have spoken to him on the phone and he said he won't remove the default as it is accurate.
So now I have to wait for 1st Credit to send me an amended bill with refunds deducted.. but after looking at my credit file this morning : there are 2 defaults for this debt, one from Halifax and one from 1st credit.
I'm just angry they never changed my address firstly, and continued to never write to me but as soon as 1st credit get the debt, I get the letters sent to my actual address!! Any advice on getting these defaults removed would be great.
Thank you in advance. (sorry for the long post)
I had a Halifax current account which started in October 2008 with an overdraft facility. I started university in March 2009 and in August 2009 due to personal troubles, I had to move out quickly and move in to halls of residence. I went into the branch and changed my address. When I didn't get any statements I phoned Halifax and they said the address had not been changed and to write in. I still have copies of these letters that I wrote to them.
When checking my credit file, in April 2011 I noticed that they had placed a default. By this time I had left university and qualified but as there were cuts in healthcare, I didn't have a job. I knew that the large amount of the debt would have been charges so I wrote to them asking for them to refund charges and also remove the default due to financial difficulties as I had just left uni and had no job. I didn't hear anything again.
All of the letters I have wrote to them always had my current address on there. In August 2012, I decided to write to them again with the letters I had sent previously and still nothing.
In November 2012 I start to get letters from 1st Credit at my current address stating they have bought the debt and demanding money. I was angry so rang up Halifax (and definitely didn't want to talk to any DCA) who finally put me through to the chap that is dealing with my complaint. He said he had replied to my letter in August 2012 but had sent it to my old address. Halifax have never changed my address. My new address was on the letter I wrote to him in August and on every other correspondence that I have sent them but they have been sending letters to an address that I can't visit to pick up mail due to personal reasons. This has been explained to them throughout the 3 or so years but they've not bothered to change the address.
He said in the letter he was willing to refund all charges from September 2009 as that was the last time the account was used properly. He has now bought the debt back put the refund of charges on and given the debt back to 1st credit. I have spoken to him on the phone and he said he won't remove the default as it is accurate.
So now I have to wait for 1st Credit to send me an amended bill with refunds deducted.. but after looking at my credit file this morning : there are 2 defaults for this debt, one from Halifax and one from 1st credit.
I'm just angry they never changed my address firstly, and continued to never write to me but as soon as 1st credit get the debt, I get the letters sent to my actual address!! Any advice on getting these defaults removed would be great.
Thank you in advance. (sorry for the long post)
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