Hi there, I wonder if any of you can help me on this please. My wife took a Halifax credit card out on 12-06-2007. She fell behind with payments along the way and went to a debt management company late in 2010 to help her. He had been managing her accounts until recently when he retired. We are trying to sort our own affairs out now. I have sent a s78 request to Halifax/PRA Group and received the reply which is attached. Her credit file says the agreement started 18/06/2007-the response from Halifax with the supposed copy of the credit agreement says 12/06/2007-don't know why they should differ. Can anyone advise if this is a copy of the actual credit agreement ( or a copy of the application) and does it satisfy S78 request please? Thanks Mc
Halifax credit card
