Sorry- this is so long
Im currently dealing with a complaint regarding my halifax credit and wondered if anyone here could help me with my consumer rights.
I got into debt on this card 9 years ago when I was young. Been paying it off for the last 5 years. 320 every month, which is still only reducing the balance by about £380 per year. 26 months ago Halifax stopped my statements and closed my account as they say my card was reported lost and I never contacted them (it was never lost, wasn't used at this time and I had no letter) I rang a few times and and asked about statements but was told I can't see them as my account is closed and I thought that was the way it worked. Anyway, I phoned for a recap last week and was told the could not tell me my Interest rate, and could not see further back then 6 months, but in the last 6 months I've paid £1980 and £196 has come off the balance,
Still no statements.
I got some advise and was told that under section 77a of the consumer credit act they have to tell me my APR and provide me with statements every month or they can't charge interest. I wrote all this to Halifax, they phoned 2 days later and said they have done nothing wrong as the statements existed online, they'd just stopped my access, they offered me £180 pound (I've said no, I'm not satisfied with that!) any ideas on what I can do next or is it just straight to FOS? And do I stand a chance with them? I have paid every month and tried to keep up my side of the deal but feel trapped in this paper work free debt. thanks in advance
Im currently dealing with a complaint regarding my halifax credit and wondered if anyone here could help me with my consumer rights.
I got into debt on this card 9 years ago when I was young. Been paying it off for the last 5 years. 320 every month, which is still only reducing the balance by about £380 per year. 26 months ago Halifax stopped my statements and closed my account as they say my card was reported lost and I never contacted them (it was never lost, wasn't used at this time and I had no letter) I rang a few times and and asked about statements but was told I can't see them as my account is closed and I thought that was the way it worked. Anyway, I phoned for a recap last week and was told the could not tell me my Interest rate, and could not see further back then 6 months, but in the last 6 months I've paid £1980 and £196 has come off the balance,
Still no statements.
I got some advise and was told that under section 77a of the consumer credit act they have to tell me my APR and provide me with statements every month or they can't charge interest. I wrote all this to Halifax, they phoned 2 days later and said they have done nothing wrong as the statements existed online, they'd just stopped my access, they offered me £180 pound (I've said no, I'm not satisfied with that!) any ideas on what I can do next or is it just straight to FOS? And do I stand a chance with them? I have paid every month and tried to keep up my side of the deal but feel trapped in this paper work free debt. thanks in advance
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