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Credit card advice for escalating interest charges

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  • #16
    Just to remember, many banks- the coop included let you pay cash and cheques in at the post office

    https://www.postoffice.co.uk/branch-banking-services

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    • #17
      Today I am going to send a CCA with the £1 Postal Order, I am not sure where to send it as the letter I sent to Halifax has not been replied to.
      I canít find an address on their site I thought there might be just for CCAs, Halifax appear to to have several addresses. Just have to send to Head Office & hope they respond. Or does anyone know of address at Halifax to send CCA

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      • #18
        Warwick65, thank you. Will check it out

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        • #19
          Nightwatch, thanks will just have to look at others, wanted a Basic Bank Account really, could stay with Halifax but itís no good if they start taking money from my account as it comes in.

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          • #20
            Never stay with a bank you owe money to. Why do you think Iím with Yorkshire and coop !

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            • #21
              I agree but it seems moving or at least getting a basic account elsewhere is not so easy. I am trying again tonight. At the moment I am keeping to mini that way they canít take whatís not there.

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              • #22
                Originally posted by Diana Mayhew View Post

                Did you enclose the £1 statutory fee with your CCA Request sent on 17th April?

                If not then you may need to send a new one with the £1 in order for it to be valid.

                Originally posted by Maxsgirl View Post
                I didnít enclose a fee for response as I didnít know about it.


                In which case you'll need to send a new s 77-79 CCA Request together with the £1 statutory fee.

                Do this now while at the same time planning your exit strategy for a new banking facility.


                Di
                Legal Disclaimer

                I am a Litigation Executive at
                Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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                • #23
                  Warwick65, all done took about 2 hours to set everything up & transferred £5 to ensure it was all working. Went with Metro so many thanks for your advice. Thatís the first part done, so Iíll get started with the rest now .
                  Tomorrow I will get this form in post, now Iíve got the PO. I think Iíll ring that number for some more advice from Diana Mayhew. Itís been a long day! So thanks for help. J

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                  • #24
                    Diana Mayhew, I am in the process of doing letter for CCA, who do I make the PO payable to ie, credit card is with Halifax. Also as it seems because I didnít know I should have done this first I don't want to say the wrong in my letter. Is there a forum or Template I can go to?

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                    • #25
                      Hi Payment is made to Halifax as you are sending it to them, template is here, Starting out, CCA Request.

                      https://all-about-debt.co.uk/forum/t...lity-templates
                      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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                      • #26
                        Found the template & have just typed it out as is, checked it all to ensure I hadnít missed anything. Will post tomorrow as it was too late by the time I had got it all done. Many thanks

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                        • #27
                          Diane Mayhew, thanks for that as I hadnít posted so I will do as you advise. Another step!

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                          • #28
                            Make sure you keep a copy and details of payment. Also if sending signed for post print off a copy of when they receive it.
                            I know it may seem bothersome at the moment but it really is a good habit to get into

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                            • #29
                              Warwick65, no worries will keep everything then if proof is needed Iíve got it. That is why Iíve still got letters from 2013 when I first complained, maybe this time Iíll get satisfaction.

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                              • #30
                                Tech Clerk, I have now sent CCA request (16/05/2019) in the meantime despite letter I sent 17/04/19 to which the have not replied ( sent Recorded del & signed for 23/04/19 they keep ringing me & sending messages on my phone, which I cannot reply to, the last one at 2.30 pm today. Should I keep ignoring while I am waiting for reply or not to CCA 1974 I sent today?

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