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  • #16
    Re: Is a CCA application enforecable?

    Originally posted by Sadtear View Post
    Do I need to commence a diary now?
    We could always rename and move this one if you prefer? - Keep everything together.
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #17
      Re: Is a CCA application enforecable?

      Originally posted by oscar View Post
      We could always rename and move this one if you prefer? - Keep everything together.
      Yes please.

      Comment

      • #18
        Re: Is a CCA application enforecable?

        Originally posted by oscar View Post
        We could always rename and move this one if you prefer? - Keep everything together.
        Done
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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        • #19
          Re: Sadtear UE Diary

          CCA & covering letter posted in secure section (Hope I've done it right)

          Comment

          • #20
            Re: Sadtear UE Diary

            Its a recon (as admitted by them in the letter) - there are no terms nor any linked to the agreement so its

            I would send this back: CCA Query - Missing Prescribed Terms
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

            Comment

            • #21
              Halifax Vs Sadtear

              Hummm, thought I had a diary running already

              Requested CCA from Halifax re 9 year old CC, Halifax replied with an application form claiming it to be the CCA, Niddy reviewed it confirming it was missing T&Cs.

              Wrote back to Halifax, informing them it's NOT a CCA as per the requirements, Halifax refuse to acknowledge it's not a CCA, stating end of matter, and that they refuse to enter into further correspondence.

              On Saturday, received letter from debt collection stating they've been appointed on behalf of Halifax to collect on account.

              Comment

              • #22
                Re: Halifax Vs Sadtear

                Originally posted by Sadtear View Post
                Hummm, thought I had a diary running already

                Requested CCA from Halifax re 9 year old CC, Halifax replied with an application form claiming it to be the CCA, Niddy reviewed it confirming it was missing T&Cs.

                Wrote back to Halifax, informing them it's NOT a CCA as per the requirements, Halifax refuse to acknowledge it's not a CCA, stating end of matter, and that they refuse to enter into further correspondence.

                On Saturday, received letter from debt collection stating they've been appointed on behalf of Halifax to collect on account.
                Ok just ignore for the moment - not worth responding. Keep us updated with additional progress
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                • #23
                  Re: Halifax Vs Sadtear

                  I've had a similar experience with Halifax, claiming enforceable, threatening legal action but nothng has happened for over 3 years except they occaisionally send me a statement with no interest added to the alleged debt.

                  Comment

                  • #24
                    Re: Halifax Vs Sadtear

                    There was me tempting fate , letter received today & now assigned to 1st Credit - "bemused" letter sent as still in dispute with Halifax who despite CCA request & SAR cannot produce an enforceable agreement.

                    Comment

                    • #25
                      Re: Halifax Vs Sadtear

                      Hi,

                      The same has happened to me today.

                      Letter from Bank of Scotland Halifax informing me that 1st Credit is now the owner.

                      Spooky

                      Have a look at my thread

                      Thanks

                      Free

                      Comment

                      • #26
                        Re: Halifax Vs Sadtear

                        Originally posted by Free View Post
                        Hi,

                        The same has happened to me today.

                        Letter from Bank of Scotland Halifax informing me that 1st Credit is now the owner.

                        Spooky

                        Have a look at my thread

                        Thanks

                        Free
                        Must be havin a clear out wait and see what 1st credit say when they get in touch
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #27
                          Re: Halifax Vs Sadtear

                          Yep just ignore for the moment.......
                          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                          Comment

                          • #28
                            Re: Halifax Vs Sadtear

                            1st Credit have obviously got back in favour with Halipratts, since they dropped them when the got censured by the OFT in 2009 for issuing Stat Demands willy nilly.

                            OFT imposes requirements on 1st Credit over debt collection practices - The Office of Fair Trading

                            (They still are, nothings changed!)
                            Loads of people are reporting getting hello letters or a sudden rush of phone calls this week, throughout t'other fora. (Posh word alert )
                            so they've obviously been to Morrisons and emptied their copper jar into the change machine, to buy a whole bunch of accounts. Maybe buy one, get one free?

                            Comment

                            • #29
                              Re: Halifax Vs Sadtear

                              Originally posted by Shepherdess View Post
                              1st Credit have obviously got back in favour with Halipratts, since they dropped them when the got censured by the OFT in 2009 for issuing Stat Demands willy nilly.

                              OFT imposes requirements on 1st Credit over debt collection practices - The Office of Fair Trading

                              (They still are, nothings changed!)
                              Loads of people are reporting getting hello letters or a sudden rush of phone calls this week, throughout t'other fora. (Posh word alert )
                              so they've obviously been to Morrisons and emptied their copper jar into the change machine, to buy a whole bunch of accounts. Maybe buy one, get one free?
                              Interesting.......

                              What was that, did you just say they should BOGOF?
                              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                              Comment

                              • #30
                                Re: Halifax Vs Sadtear

                                1st now "considering statutory demand" in response to my previous correspondence to them. have started a diary about this Leixlip1 v 1st/Halifax

                                Comment

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