Halifax personal loan agreement

[Spellkaster]

Re: Halifax Personal Loan Agreement

Which company is " going to attend"?

I either e-mail and or post the following to them.

Their Ref:
Re: Alleged Debt:
Re: Home Visit

Sir/ Madam

I refer to your letter dates xx. xx. xx and the threat of one of your operatives attending my address next week.

Please take note I Will Not enter into any dialogue with any stranger visiting my home.

I have no desire to make any appointments with any representative of your company or your clients at any time.

Any visit once you have received this communication will be treated as harassment and suitable action will be taken immediately.

You are not obliged in any way to discuss any thing with any reps/agents of the company. Robinson Way and Moorcroft used to send out letters like this and Moorcroft had letters signed by their " Doorstop Collections Manager" just clown with absolutely no authority.

nem

Thanks nem

The debt collection company is called fidelite credit management who are coming on the 3rd April 2017.

I have sent them an email warning them not to attend etc etc a call to the police will be made.

I've also made them aware that the debt currenty stands in dispute with their client Halifax.

I sent fidelite a copy of the last letter sent to their client, and a copy of the income and expenditure which their client has never replied to.

I have warned fidelite I will not cooperate with them and am classed as a vulnerable household as I am registered disabled.

That was monday morning I sent the email and I've had no reply from them no surprise there.

[warwick65]

Re: Halifax Personal Loan Agreement

Just so you know

I have come across two door step collectors in my time and they have both been pleasant and reasonable.

We may disagree with what they do, we may not but in my experience they are at the bottom of the collection chain and trying to earn money. They are being as exploited as we feel

[Spellkaster]

Re: Halifax Personal Loan Agreement

Ok
So without going into details of your disability
Generally , if they come out at all they are easily sent away again and have no powers to even enter your house

If I were you I would do the following
1) I would send a letter saying that you will only communicate in writing and will not accept callers at your door , somewhere there are letters to send about this, I am looking through my records but can't find one at the moment
2) Conside a S77 request, there is some debate about this and maybe this should wait until halifax sell the debt on

With regard to your claim to be a vulnerable person because you are registered disabled , this is a general fallacy. It is not automatic that a disabled person is vulnerable , some people with sever disabilities are more than capable of dealing with everyday affairs. I am not suggesting this is your case but just be aware that claiming and being treated as vulnerable may be different things

- - - Updated - - -

Sorry@charitynjw
You type faster than me

I have an ongoing mental health condition and am receiving treatment for this.

I have provided the bank a copy of my medical report showing that I have this condition.

The bank just ignores everything I send them.

[Spellkaster]

Re: Halifax Personal Loan Agreement

I'm phoning the Financial Conduct Authority about fidelite credit management not replying to my email of complaint.

The email was sent early monday morning and its now thursday.

The debt collector is due on monday.

I think its bloody unprofessional in not replying to your complaints of a serious nature as mine.

[Spellkaster]

Re: Halifax Personal Loan Agreement

Is it worth me seeking legal advice about suing my bank for creditor harassment?

[wales01man]

Re: Halifax Personal Loan Agreement

First question is do you owe this money if it was a loan you had you do the problem is if its enforceable in a court? If it is how can this be harassment.
Second most companies take up to 14 days to answer an email doubtful there is a law on time to respond,
IF a doorstep collector turns up you can tell them you are not the person they are after nothing they can say or do then

[Spellkaster]

Re: Halifax Personal Loan Agreement

First question is do you owe this money if it was a loan you had you do the problem is if its enforceable in a court? If it is how can this be harassment.
Second most companies take up to 14 days to answer an email doubtful there is a law on time to respond,
IF a doorstep collector turns up you can tell them you are not the person they are after nothing they can say or do then

I'm not going to answer the door when they turn up.

If they don't go after knocking and hang around then its a call to the police.

The agreement that has been provided has been improperly executed.

I'm going to go into cab this week and see what I can do.

As I'm a vulnerable household bececuse of ongoing medical problems, my bank is aware but chooses to ignore.

This the the 4th debt agency they have sent the debt out for collection.

I am not able to pay and have shown the bank a detailed income and expenditure sheet which they have ignored.

Don't know what else to do about it.

[wales01man]

Re: Halifax Personal Loan Agreement

Until they take you to court to try for a CCJ not much u can do don't expect the vulnerability to stop them trying to get the money. We have had letters from more than 4 DCAs for some debts over a period of 7 plus years

[Spellkaster]

Re: Halifax Personal Loan Agreement

Until they take you to court to try for a CCJ not much u can do don't expect the vulnerability to stop them trying to get the money. We have had letters from more than 4 DCAs for some debts over a period of 7 plus years

I just wish they will sell it on.

They are NOT getting a penny more off me, I'm on sickness benefits of £110 per week.

Can't get blood from a stone can you!?

[Kati]

Re: Halifax Personal Loan Agreement

It's getting a bit disjointed.
The previous thread
http://legalbeagles.info/forums/show...loan-agreement
refers to yet more threads on the same subject.

I've merged these two ... will dig out any others later xx

[warwick65]

Re: Halifax Personal Loan Agreement

I just wish they will sell it on.

They are NOT getting a penny more off me, I'm on sickness benefits of £110 per week.

Can't get blood from a stone can you!?

Spellkaster

Please do not think I am recommending this because I am not
BUT

If it really all does go belly up , no one and that includes a court would expect you ti pay more than you could afford so if it was £1 per month that is all they would get.

I hope HBOS do sell it on, it possibly makes your hand stronger, meanwhile keep blaming away

[Spellkaster]

Re: Halifax Personal Loan Agreement

Spellkaster

Please do not think I am recommending this because I am not
BUT

If it really all does go belly up , no one and that includes a court would expect you ti pay more than you could afford so if it was £1 per month that is all they would get.

I hope HBOS do sell it on, it possibly makes your hand stronger, meanwhile keep blaming away

So, in the meantime, how do I deal with the fact that they keep passing it on to debt collectors?

[warwick65]

Re: Halifax Personal Loan Agreement

So, in the meantime, how do I deal with the fact that they keep passing it on to debt collectors?

Each time they do write to them saying the account is in dispute because whatever and then add I will only communicate in writing a etc

I know its tough but luckily it is one account so not that many letters. Some letters will not even need responding to

Although you can argue improper execution I am afraid that would not stand up in court because of the age of the account

As for DCA's I've seen off more than you have had hot dinners , some have now even gone bust.

I even managed to get MMF to write off one debt and return another to the OC

[Spellkaster]

Re: Halifax Personal Loan Agreement

I actually have 2 debts with the Halifax.

Credit card agreement which was opened up and signed for in September 2006.

This account IS unenforceable.

Altogether the overall debt with Halifax is about £9K.

I have not made any payment to both accounts since July 2015.

I'm trying so hard to get it statue barred in 4 years time.