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Halifax chasing a CC debt but unable to find account or agreement after CCA request
Hello
A summary of events regarding me being chased for a credit card debt.
Letter from Halifax at the beginning of August:
Reference number, account number, agency ref and account balance details given.
Letter opens with 'As we haven't been able to agree a suitable repayment plan we've transferred your HBOS Plc to a debt collection agency, CapQuest...' Details of CapQuest are given to contact.
Letter from CapQuest a week later confirming that HBOS have passed on the account for them to manage and that they would like to talk to me about the account.
I respond to CapQuest at the beginning of September. I send a prove it CCA letter with £1 postal order.
Letter soon follows from CapQuest saying they have forwarded on the documentation under the CCA 1974 to HBOS and will send this documentation to me when they receive it. No further correspondence has since been received by CapQuest since this letter.
Letter from Halifax (Retail Account Maintenance Team) received a few days later. They state they are unable to locate the agreement using the information supplied. They ask me to provide details on the type of account, full address (including previous), any change of name, DOB, date account opened, agreement number.
The letter states they have enclosed my original documents. They have only enclosed a copy of my letter and £1 postal order. On the letter is hand written the account number used on previous letters. I had used the CapQuest reference number on the prove it CCA letter. as reference. Also stamps of date received and the recored delivery marks are on the copy of the letter.
Mid September - letter received by Halifax (Card Operations) with another copy of my CCA letter attached.
The letter opens with 'You have not quoted a valid account number and we can not trace with details provided'.
They ask for the same details as the previous letter. It ends with 'Please be aware that Section 78 only applies during the lifetime of an agreement. If your account has been closed and paid in full, then there would no longer be regulated agreement between us.'
The brings me to date. I am confused. Halifax have chased me (originally via CapQuest) stating that I owe money. Then they are unable to provide me with the details that I actually do owe the money they originally stated.
Advice on my legal standing and potential responses to Halifax would be much appreciated.
Thanks.
A summary of events regarding me being chased for a credit card debt.
Letter from Halifax at the beginning of August:
Reference number, account number, agency ref and account balance details given.
Letter opens with 'As we haven't been able to agree a suitable repayment plan we've transferred your HBOS Plc to a debt collection agency, CapQuest...' Details of CapQuest are given to contact.
Letter from CapQuest a week later confirming that HBOS have passed on the account for them to manage and that they would like to talk to me about the account.
I respond to CapQuest at the beginning of September. I send a prove it CCA letter with £1 postal order.
Letter soon follows from CapQuest saying they have forwarded on the documentation under the CCA 1974 to HBOS and will send this documentation to me when they receive it. No further correspondence has since been received by CapQuest since this letter.
Letter from Halifax (Retail Account Maintenance Team) received a few days later. They state they are unable to locate the agreement using the information supplied. They ask me to provide details on the type of account, full address (including previous), any change of name, DOB, date account opened, agreement number.
The letter states they have enclosed my original documents. They have only enclosed a copy of my letter and £1 postal order. On the letter is hand written the account number used on previous letters. I had used the CapQuest reference number on the prove it CCA letter. as reference. Also stamps of date received and the recored delivery marks are on the copy of the letter.
Mid September - letter received by Halifax (Card Operations) with another copy of my CCA letter attached.
The letter opens with 'You have not quoted a valid account number and we can not trace with details provided'.
They ask for the same details as the previous letter. It ends with 'Please be aware that Section 78 only applies during the lifetime of an agreement. If your account has been closed and paid in full, then there would no longer be regulated agreement between us.'
The brings me to date. I am confused. Halifax have chased me (originally via CapQuest) stating that I owe money. Then they are unable to provide me with the details that I actually do owe the money they originally stated.
Advice on my legal standing and potential responses to Halifax would be much appreciated.
Thanks.
