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

[Pixie]

Re: Roomtobreathe's UE Diary - Halifax CC

Personally, I would send it to gpb solicitors as they are the ones making the threat...or, if you want to be doubly safe, send it to both.

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

Will do Pixie!

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

iQor have now responded by saying that the Halifax have already sent the agreement in September and they expect to hear from me re repayment proposals.

Any suggestions?

[Undercover Elsa]

Re: Roomtobreathe's UE Diary - Halifax CC

Are there any other disputes you can raise with them RTB...unfair charges, PPI etc?

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

Not sure if I had ppi with them. What's the best way to find out?

Unfair charges? I'll look through the last lot of statements and communication with them to see what they have decided to add.

Thanks

[Undercover Elsa]

Re: Roomtobreathe's UE Diary - Halifax CC

Is the Payment protection box ticked on the application/agreement?

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

Hi Undercover Elsa,

Had a look at the application form and PPI was not asked for.

What do you think is the best way to progress this?

[Undercover Elsa]

Re: Roomtobreathe's UE Diary - Halifax CC

Hi RTB,
Such a shame this turned out to be enforceable

Decision time really. Have you sent the "Enough is Enough" template yet? You could do that if you want to blag a while longer: http://all-about-debt.co.uk/template...lity/s5-t4.php

On the plus side, Halifax only rarely sully their hands with legal action, although it's not unknown. More often than not they sell on delinquent accounts, in my experience.

Alternatively, if you feel it's time to deal then send them an offer based on your Nedcab CFS. You can buy a month before doing that by telling them you're seeking independant advice. Give me a shout if you want help with that.

Might be an idea to see if Niddy has any other thoughts before deciding.

Elsa x

[Never-In-Doubt]

Re: Roomtobreathe's UE Diary - Halifax CC

Send the template above to iQor and see what that does for now.

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

thanks Niddy,and Elsa, will do.

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

Got a letter on the 2nd Dec from Halifax telling me they'd flogged the debt lock, stock and barrel to 1st Credit.

Today have got a letter from 1st Credit threatening a statutory demand, bankruptcy and a list of implications/threats - losing house etc if I don't cough up.

Any advice on what steps/responses to take?

Ta.

[SXGuy]

Re: Roomtobreathe's UE Diary - Halifax CC

Send sold whilst in dispute template to 1st credit.

[roomtobreathe]

Re: Roomtobreathe's UE Diary - Halifax CC

Thanks, will do.

[Never-In-Doubt]

Re: Roomtobreathe's UE Diary - Halifax CC

No!! Don't do lol

i know 1st credit. Please mail me their letter and the cca stuff again please

for now send nothing. Just wait.....

[nightwatch]

Re: Roomtobreathe's UE Diary - Halifax CC

OOOOoooooooooo Niddy has another one xxx