Halifax Credit Card/Default

[hedgehoggle]

Apologies if I've posted this in the wrong forum. I've got a Halifax CC with a £2K limit that I've been struggling to pay off with minimum monthly payments for the last 4/5 years. I sent them a CCA request a good couple of months ago then forgot all about it (not good, I know). I've received a letter today telling me that they've placed a default against this account now and that they want almost £2,500 to settle the account in full.

What's the best way forward to sort this out please? I haven't got a cat in hells chance of finding £2.5K - we're up the financial creek without a paddle at the moment.

Should I send them a new CCA request or send an SAR? I honestly don't know what to do for the best with this account.

Thanks in advance.

[scottishlass]

Re: Halifax Credit Card/Default

Did you send it recorded delivery ?

Did you receive anything regarding the CCA request ?

Consumer Credit Agreements - A Guide - Legal Beagles


Negotiating arrangements with DCA’s or Original Creditors - Legal Beagles

[tomterm8]

Re: Halifax Credit Card/Default

did they send you a proper default notice? Can you please scan it up, so we can have a look.

Also, did they send you the consumer credit agreement yet?

[enaid]

Re: Halifax Credit Card/Default

Have you reclaimed any charges on this already Hedgey? If not how much of it is charges now?