Roomtobreathe's UE Diary - Halifax CC-*Niddy Intervention - Resolved*

[roomtobreathe]

Any developments from this thread about my Halifax CC will be recorded in here so I don't get confused!

As things stand Moorcroft have provided 2 letters stating that the original agreement can't be found so this account is UE and officially in dispute.

One down, four to go.

26th Jan 2012 - letter from capquest, want money possible litigation etc.
31st Jan 2012 - phone calls from capquest to my place of work, together with calls at home.
31st Jan 2012 - letters to capquest, account ue and telephone/doorstep harassment
[COLOR=red]2nd Feb 2012 - letter from capquest, holding collection whilst investigating
4th Mar 2012 - letter from capquest, sending doorstep agent unless money paid
13th Mar 2012 - letter from CQ, acc on hold until compliance officer has a shufty
11th April 2012 - contact in writing only
2nd May - Halifax statement
23rd May 2012 - letter from Rob Way - formal demand for payment
15th June 2012 - letter from Rob Way appointment for home visit etc
2nd July 2012 - letter from Horwich Farrelly Solicitors, cough up, court action etc.
9th July 2012 - sold in dispute letter to Horwich with copy of no cca via moorcroft
13th July 2012 - letter from Horwich Farrelly, making necessary enquiries, collection will stop for now etc
16th August 2012 - letter from Horwich Farrelly, still awaiting response from Halifax
22nd August 2012 - CCA received together with letter from Horwich Farrelly asking for full payment.
28th August 2012 - letter sent to horwich farrelly missing prescribed terms
24th September 2012 - 8 sheets of plain paper A4 double sided T&Cs from Horwich Farrelly with a request to pay up within 10 days
9th October 2012 - Letter from Halifax, iQor now been instructed.
16th October 2012 - letter from iqor, payup.
2nd November 2012 - credit card statement from Halifax!!!???
16th November 2012 - letter from gpb solicitors, pay iqor or legal action will be commenced.
4th December 2012 - letter from gpb, legal action pending
11th December 2012 - letter to gpb, formally in dispute
23rd Jan 2013 - letter from iqor, agreement already sent, pay up
9th April 2013 - Nelson Guest, 50% doscount
2nd Dec 2013 - Letter from Halifax saying that BOS have flogged all rights, title and interest to 1st Credit (Finance). Also in the envelope a letter from 1stCredit introducing themselves.
9th December 2013 letter from 1stcredit, bankruptcy proceedings being considered.
16th December 2013 - letter from 1st credit threatening bankruptcy, might pass to Connaught Collections and giving a repayment plan offer of over £1k per month until the debt is settled.

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

Been having and ignoring calls from CapQuest and now they have sent a letter outlining they have been referred to collect the debt. Usual waffle, possible litigation, doorstep visits, will pass to their 'solicitors' HL Legal etc.

This account is UE and Halifax confirm they can't find the agreement.

What steps next?

[mk_chatham]

Re: Roomtobreathe's UE Diary - Halifax CC

This account is UE and Halifax confirm they can't find the agreement.

What steps next?

Hi

I would send a copy of the letter confirming that they cannot find the agreement together with "Letter Previously Confirming No CCA" - link - to Capquest

MK

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

Reply from Capquest, calling off the dogs until they investigate further. Written like they're doing me a favour, tossers.

[Undercover Elsa]

Re: Roomtobreathe's UE Diary - Halifax CC

Well done on this, Room to Breathe
Just out of interest, roughly what year was the card taken out?

kind regards,
Shep x

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

It was taken out in 2005.

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

CapQuest now sent a letter asking for payment before they send ScotCall round. Interestingly not a mention of court or other legal schemes which is quite astute of them given they have failed to come up with an enforcable CCA.

Letter is attached as an image. Any thoughts on an appropriate response? Would like to do whatever I can to minimise the likelihod of a doorstep visit.

[Deepie]

Re: Roomtobreathe's UE Diary - Halifax CC

CapQuest now sent a letter asking for payment before they send ScotCall round. Interestingly not a mention of court or other legal schemes which is quite astute of them given they have failed to come up with an enforcable CCA.

Letter is attached as an image. Any thoughts on an appropriate response? Would like to do whatever I can to minimise the likelihod of a doorstep visit.

[ATTACH]3613[/ATTACH]

Send them this.....>..... Harassment & Threat of Doorstep-Visit me personally I would ignore if they do call tell them to do one...........

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

Thanks all, harassment template ready for the post in the morning. This is the second one that I'll have sent them, here's to them buggering off.

[Pixie]

Re: Roomtobreathe's UE Diary - Halifax CC

All the dcas make threats to visit but not many actually do it.

If they do turn up to collect your doorstep, tell them that you need it and they can sod off. Then close the door on them

[alangee]

Re: Roomtobreathe's UE Diary - Halifax CC

roomtobreathe

Just out of interest, do you bank with Halifax/BoS/Lloyds, and if so, have they tried to apply any sanctions, such as removing your o/d facilities or taking the money from your account?

Alan

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

roomtobreathe

Just out of interest, do you bank with Halifax/BoS/Lloyds, and if so, have they tried to apply any sanctions, such as removing your o/d facilities or taking the money from your account?

Alan

No, don't bank with any of them, just had CCs with Halifax and BoS.

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

All the dcas make threats to visit but not many actually do it.

If they do turn up to collect your doorstep, tell them that you need it and they can sod off. Then close the door on them

We've had two letters from the doorstep jockeys for other accounts saying they will call, and they both have regardless of what letters have been sent. They've always done it when I've been at work so Mrs RTB has been left to deal with them. The problem we have is that we're foster carers who have vulnerable children with us and often have a plethora of social workers and care professionals traipsing in and out of meetings at home. The worry we have is with a belligerent collector making a scene if we were having such a meeting. Could be very awkward.

[Pixie]

Re: Roomtobreathe's UE Diary - Halifax CC

We've had two letters from the doorstep jockeys for other accounts saying they will call, and they both have regardless of what letters have been sent. They've always done it when I've been at work so Mrs RTB has been left to deal with them. The problem we have is that we're foster carers who have vulnerable children with us and often have a plethora of social workers and care professionals traipsing in and out of meetings at home. The worry we have is with a belligerent collector making a scene if we were having such a meeting. Could be very awkward.

I think you've been unlucky having 2 visits from 2 letters. I've lost count of the number of threats I've had but only 1 visit (so far!)

I understand now why you're so worried about them calling

Could you add something to the harassment letter to explain the situation? Whether or not they'll take notice is another matter.

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

New letter from Horwich Farrelly, instructed by Robinson Way apparently, asking for full payment or court action may be taken blah, blah.

Letter ends with them reminding me that I can pay using a credit card

What a bunch!

Any template letters suggested? Remember that Halifax cannot find an agreement and have admitted it in a letter.