response to CCA request

[ande]

Morning all hope the world finds you well,

With the brilliant help of the" get out of debt free forums" both old and new have been fighting a off several debt agency's since 2014 using the three letter then an Estoppel, for a Halifax credit card debt of just over £10,200 culminating in the Halifax selling the debt to Intrum (then 1st Credit) on the 17th June 2017 .
Things have now come to an head and have now resulted in a Pre-action Protocol letter and me asking for documentation along with a CCA request.
I have uploaded the response to the CCA my main concern is the default notice I cant find one in the SAR pack the Halifax sent me and there claim that the Halifax don't have one because they sent me there only copy sounds a bit odd, company's keep records of everything over the years I have several copy's of letters regarding this.
I know I am on a sticky wicket but i am way out of my depth I don't want to go to court apparently it would be fast tracked because its over£10,000 and if I lost I would be screwed.
Intrum have said that they will negotiate what that entails I don't know but will the fact that there is no default letter only a screenshot of the default date give me a bit of leverage in the negotiations .
It is so annoying to say the least that when I got into difficulty I talked to the Halifax they closed the account and I paid a set sum each month I was willing and did do so until they pulled the rug from under me and Intrum have bought the debt for a few hundred quid and want over £10.000 back .
I have uploaded the letters they sent me in response to my CCA
Please give me your thoughts and thanks for looking Ande

[Amethyst]

Does the Halifax SAR information show the date of default ? ( as opposed to the date of issue of the DN )

Do you have record of when you organised payments with Halifax and started making the payments ? How much were the payments you were making ? and you were making those payments for 3 years ( Feb 2014 to June 2017 ) until Halifax sold the debt on to Intrum. Did you get the transaction lists in the SAR and do those arranged payments show on there ?

[ande]

Hi again and thanks for taking the tine to look, I have to say I don't understand most of the information in the SAR but I have found this.
The account defaulted on the 24/2/2014
The last payment showing on a statement is for £25.00 on the 27/1/2014
The last payment I made is for £25 on the 3/3/2014
As far as I can remember I think the Halifax sent me a expenditure form I filled it in and offered to pay £25 which I did.
They then told me to stop paying as they had passed on the account to a DCA of which there has been several and ending up with them selling it in June 2017.
Stupid thing is if they had stayed with me I would have carried on paying and eventually they would have got the money, hope this helps cheers Andy