Halifax Credit cards

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Halifax Credit cards

Postby davidb1 » Mon Jan 09, 2017 12:31 pm

Hi,
I was in the halifax bank some years ago,everything going fine with the banking then they offered me a credit card.

I said i didnt want it,they insisted and i ended up with a platinum card,I was new to cards years ago and I thought well thats nice they have give me a £3,500 limit.

Things were tight a few years ago when they gave it to me and I ended up withdrawing the £3,500 over the next few weeks.

They have now passed on my debt to a debt collection agency Cabot/Capquest/Moorcroft either one of them but not sure which one.

I have (well my wife has) been paying the debt off at £1 per month for a couple of years now.

The 3 letter rule which ive reading about on this forum? Would the 3 letter rule apply to me to get this debt squashed.

Thanking you in advance for your help.

davidb1
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Re: Halifax Credit cards

Postby ceylon » Mon Jan 09, 2017 12:56 pm

not get it quashed but stop them chasing you yes
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Re: Halifax Credit cards

Postby davidb1 » Mon Jan 09, 2017 8:55 pm

I also forget to put on my post earlier that I did not sign for either credit card or its overdrafts.

Regards

Davidb1

Thanking You
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Re: Halifax Credit cards

Postby flyingfish » Tue Jan 10, 2017 10:16 am

davidb1 wrote:I also forget to put on my post earlier that I did not sign for either credit card or its overdrafts.

To be clear, was it the credit card that you used, or an overdraft, or a combination of the two?
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Re: Halifax Credit cards

Postby davidb1 » Tue Jan 10, 2017 1:53 pm

Sorry about that,
the first was a Overdraft which started in 2001 and was transferred to Robson Way (Debt recovery company) in 2008,this is getting paid off at £1 per month by direct debit.

The second is a Visa Card which started 2003 and was transferred to Cabot (Debt recovery company) in 2014,this is getting paid off at £2 per month through the post office.

I never signed anything as regards the overdraft or the visa credit card.

But we are getting letters all the time to either pay them all off or increase the payments,which we cannot do either as we are on benefits.

Thanking you in advance for your help.

Regards

Davidb1
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Re: Halifax Credit cards

Postby davidb1 » Wed Jan 11, 2017 1:14 pm

Hi,
is there anybody out there who can help me with this problem.??

Thanking you in advance.

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Re: Halifax Credit cards

Postby Faljay » Wed Jan 11, 2017 3:25 pm

Hi,

What date is the agreement for the credit card? Let me know because if it is pre-April 8 2007, it may be unenforceable, except by a court order, if deemed so.

The use of an Overdraft facility, if pre- April 2011, is enough to make it binding. However, as of 2011, all bank accounts and overdraft facilities must have an agreement.

Take Care.

:D
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Re: Halifax Credit cards

Postby davidb1 » Thu Jan 12, 2017 5:44 pm

Ive just found out today the overdraft was taken out on the 2/6/2004 and was closed 2006.

Credit card was opened 9/9/2003 and was closed 8/2/2014

I dont recall signing anything regards these debts.

Regards

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Re: Halifax Credit cards

Postby davidb1 » Fri Jan 13, 2017 8:21 pm

Can anybody please with the question above.

Thanking you.
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Re: Halifax Credit cards

Postby Faljay » Mon Jan 16, 2017 5:03 pm

davidb1 wrote:Ive just found out today the overdraft was taken out on the 2/6/2004 and was closed 2006.

If you did not pay anything or acknowledge the alleged debt caused by the overdraft, it is Statute Barred and they may not pursue you, nor take out a court claim.

Credit card was opened 9/9/2003 and was closed 8/2/2014

Still active until 2020.

I dont recall signing anything regards these debts.

If they have no agreement/s, then no contest as the courts cannot enforce, so they can go take a leap form a low flying aircraft. However, signatures are meaningless as per the 1983 regulations, whereby any signature box/es may be omitted.

Regards

Davidb1



Take Care.

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