Pukka2 UE diary

[pukka2]

Hi Niddy and UE people

This is the start of my UE diary.

I'll post each account separately.

Thanks in advance for all your help and support

Pukka2

[pukka2]

Re: Pukka2 UE diary

Halifax Credit Card


Halifax credit card
Date commenced July 2006
Approx Balance £7895
Last full payment to Halifax July 2011
Arranged £1/month to Halifax , then transferred to Blair, Oliver & Scott Ltd (DCA) from Aug 2011 until July 2012.
Status: default
Account owner: DCA - Moorcroft Debt Recover Ltd


Jul 2011 last full payment to Halifax - default
Aug 2011 arranged £1/month payment to Halifax
Jan 2012 arranged £1/month payment transfer to Blair, Oliver & Scott Ltd (DCA)
Jul 2012 ceased payment
Sep 2012 arranged £1/month payment to BOS (DCA)
Nov 2013 last £1/month payment to BOS (DCA)
Nov 2013 sent GOODF template letter 1 to Halifax requesting true copy of CCA
Dec 2013 Halifax letter from Customer Services to say under no obligation to provide such a document
Dec 2013 Halifax letter from Manager of Card Services enclosed: copy of original signed application & reconstituted CCA
Dec 2013 sent GOODF template letter 2 to Halifax repeated request for true cope of CCA
Dec 2013 Halifax letter from Manager of Card Services with with reconstituted CCA
Jan 2014 sent GOODF template letter 3 to Halifax repeated request for true cope of CCA
Jan 2014 Halifax letter from Director of Collections & Recoveries to say £1.00 payment due for review
Feb 2014 sent GOODF bill to Halifax (for charges under ‘un-rebutted tacit agreement of Jan 2014)
Feb 2014 Halifax letter from Director of Collections & Recoveries to say £1.00 payment overdue
Mar 2014 sent 2nd GOODF bill to Halifax
Mar 2014 Halifax letter from Director of Collections & Recoveries to say payments in arrears
Mar 2014 sent letter restating request for true cope of CCA & 3rd GOODF bill to Halifax
Apr 2014 sent GOODF template estoppel notice
Apr 2014 Halifax letter from Director of Collections & Recoveries threatening legal action
Apr 2014 Halifax letter from Customer Services to say documents requested had been sent & enclosing copies of their previous letters in response to my ‘complaint’
May 2014 sent GOODF template to say request was not a ‘complaint’ and documents requested had not been sent
May 2014 sent GOODF template bill to Halifax
Nov 2015 Halifax letter from Director of Collections & Recoveries to say transfer ‘debt’ to Moorcroft Group plc (DCA)
Nov 2015 Moorcroft letter: instructed by Halifax to collect ‘debt’
Nov 2015 Moorcroft letter: trying to contact ‘above named person’
Nov 2015 Moorcroft letter requesting contact
Dec 2015 Moorcroft letter threatening ‘further action’
Dec 2015 sent letter to Moorcroft with Notice of Request for Clarification & Assurance - & to provide true copy of original CCA
Dec 2015 Moorcroft letter acknowledging my query which would be investigated
Dec 2015 Moorcroft letter requesting £1.00 fee before CCA request can be actioned
Jan 2016 sent £1.00 fee payable under Consumer Credit Act 1974
Jan 2016 Moorcroft letter: account put on hold & stating ‘our client remain the legal owner of this account’ and Moorcroft the acting agents
Jan 2016 Moorcroft letter: my request being investigated
Feb 2016 Moorcroft letter: copies of statements for the account from Aug 2006 to Mar 2014
Feb 2016 Halifax letter from Head of Card Operations to say enclosed: signed statement of account, reconstituted terms & conditions, reconstituted version of original agreement, copy of original signed application
Feb 2016 emailed Niddy copy of ‘original signed application’
Feb 2016 post from Niddy to say HBOS agreement unenforceable. The terms are incomplete.
Feb 2016 uploaded CCA to AAD for enforceability checking
Feb 2016 Niddy advised do 'nothing'

[Never-In-Doubt]

Re: Pukka2 UE diary

What do you advise I do next?

A. Nothing