Hi all,
On the 18/3/2014 I wrote to the Halifax BOS with a CCA request for an account I have been paying via Payplan for the last 6 years.
This was on the advice of someone else on this forum - same person advised I post here when I had a response.
On the 15/4/2014 they wrote back to me enclosing a copy of the original signed form and the signature is mine and does relate to my account.
This is one of 6 accounts Payplan were distributing payments to on my behalf and to date, is the only one to respond.
My question is, what do I do now?
I cannot restart the payments with Payplan as I've not had a response from the other creditors
and I think I'm correct in saying that the account is no longer "in dispute" as they have responded?
The estimated total owing on my Payplan account is considerably less than the amount Halifax claim I owe on the account.
I'm desperate to clear up my credit file (the original default has dropped off my file, but I don't want anything new registered on my file).
Any advice anyone has at this point would be hugely appreciated.
Thanks,
JJ