Problems with Halifax

I have 2 debts with Halifax.



I applied online for a credit card in September 2006. They agreed to set a limit of £1000 which I was happy with.



In time, the credit card limit soared to nearly £9K. It was raised automatically each time the card was used and payments made.



By June 2012, there is a debt on the card of £3192.



In December 2011, I applied for a loan online and they gave me £7K.



I made 5 payments before falling into difficulty.



I need to ask; each time Halifax gave me credit, they did not ask me for proof of income and did not ask me anything about affordablity.



I was not asked to show my benefit entitlement.



I have gone through the Lending Code and I feel Halifax has breached the Lending Code on a number of grounds.



Although I have a complaint regarding this with the Financial Ombudsman Service, I dont know what the outcome yet will be.



I have no more money to pay the debts off, I was in an IVA with Debt Free Direct but its failed because they wanted more and more money off me which I could not afford.



Is it worth writing a letter requesting that they write off the balance due to my circumstance?



I am registered disabled due to health problems, I was under treatment for mental health problems when the credits were given which I have told the FOS about.



Any help please thank you.

Problems with Halifax