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I lost my job six months ago and have had to stop all payments on credit cards. My halifax card has grown to 7k plus .
I had a real go at halifax a few months ago when they took two weeks income £160.00 in JSA in charges and then I found these forums and asked for my statemnets. They sent me ten years of staements and I calculated 4000 plu ins charges and interest.
Then I discovered the test case and I coudn't proceed.
Almost immediately halifax registered a default and sent my card account to the debt collectors.
I have blacklisted them on my phone and refuse to speak to them. I cll halifax or write to them instead.
The who picture is that I have a mortgage with a halifax owned company. Up to date. I have a current account that is in slight credit and I havs an overdraft facility that they reduced ti 1000 and I dont use it. I live off my girlfriend and used JSA to clear the overdraft.
I still have 400 a month more going out than coming in and am borrowinf to keep afloat. I sent them the personal budget form form National debtline showing this and offered to pay them £10.00 a month until I get a job.
They have not replied bit I have had anther letter form the debt collector.
Last week tey took £180 from my current account and used it to pay the credit card without asking me.
I was furious because I could have been relying in this. When I get a job I will need to be able to travel and support myself for a month.
The way I see it they are pushing for their 7k. They owe me 4k. If it was in dispute officially they could not have defaulted me and they could not pursue me via debt collectors.
If they settled their debt to me I would owe a just 2/3k
The way thins are going, by the time this test case happens I will owe them 15k and they will be looking for a second charge onmy home. All extortionate interest and charges.
Realistically, am I wasting my time applying?
Will I just irritate them further and get nothing?
I had a real go at halifax a few months ago when they took two weeks income £160.00 in JSA in charges and then I found these forums and asked for my statemnets. They sent me ten years of staements and I calculated 4000 plu ins charges and interest.
Then I discovered the test case and I coudn't proceed.
Almost immediately halifax registered a default and sent my card account to the debt collectors.
I have blacklisted them on my phone and refuse to speak to them. I cll halifax or write to them instead.
The who picture is that I have a mortgage with a halifax owned company. Up to date. I have a current account that is in slight credit and I havs an overdraft facility that they reduced ti 1000 and I dont use it. I live off my girlfriend and used JSA to clear the overdraft.
I still have 400 a month more going out than coming in and am borrowinf to keep afloat. I sent them the personal budget form form National debtline showing this and offered to pay them £10.00 a month until I get a job.
They have not replied bit I have had anther letter form the debt collector.
Last week tey took £180 from my current account and used it to pay the credit card without asking me.
I was furious because I could have been relying in this. When I get a job I will need to be able to travel and support myself for a month.
The way I see it they are pushing for their 7k. They owe me 4k. If it was in dispute officially they could not have defaulted me and they could not pursue me via debt collectors.
If they settled their debt to me I would owe a just 2/3k
The way thins are going, by the time this test case happens I will owe them 15k and they will be looking for a second charge onmy home. All extortionate interest and charges.
Realistically, am I wasting my time applying?
Will I just irritate them further and get nothing?
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