Halifax Credit Card CCA Request Reply

[cobra29]

Hello All

First, thanks to everyone for all the valuable information on this site.

I would very much appreciate your opinions and comments on the reply I have recieved from Halifax Card Services below which I have recieved in response to my request for a copy of my original credit agreement.

Reply - " I have enclossed with this letter a copy of your reconstituted version of the executed agreement, a copy of your current terms and conditions and a signed statement of your account.

The copy of the agreement enclossed complies with the requirements of the Consumer Credit ( Cancellation Notices and Copies of Documents ) Regulation 1983. Regulation 3(2)b provides that a copy can omit a signiture box, signiture or date of signiture. In summary we are not required to produce a copy with your signiture on it. By providing a copy of the agreement complying with the requirements of the Regulations the agreement remains enforceable."

They go on to say that they have satisfied their obligations and will not enter in to any further correspondenxe reagrding this matter/

What do you think? What should I do next?

Many Thanks

[MIKE770]

Re: Halifax Credit Card CCA Request Reply

Possibly SAR them it cost £10 but should give you all the information they have on your accounts with them incl CCA signed copy if they have one, but somebody will be along soon with more knowledge so hang on there.:beagle::beagle::beagle:

[Tools]

Re: Halifax Credit Card CCA Request Reply

That all depends on what reason you sent the CCA request and if they are chasing a debt.

[cobra29]

Re: Halifax Credit Card CCA Request Reply

Hi, Thanks for the replys.

I sent the request to see if thay had an enfforcable signed agreement as although my payments are up to date at the moment, I am struggling and thought it would put me in a stronger negotiating possition if I knew that they could not enforce the debt.

What do you think? And how should I reply to them?

Thanks

[Brian]

Re: Halifax Credit Card CCA Request Reply

Guys

ive written in another thread on the site, my nephews just rxd hios from HBOS, a reconstituted agreement NO SAR! and no signed copy of the agreement (credit card in 2003 onwards)

Bri

[nay68]

Re: Halifax Credit Card CCA Request Reply

im doin the same ive sent a sar to halifax for the same resons!!and all they have sent is a copy of my statements so far