Completely lost At the Start

[ess3xb0y]

Hello, I am new to all this, i requested my bank hstatements from halfax, they are a confusing form, they are written i just a report that has come off the back of some MIS syetm not in any way that comuld be interpreted by any "normal person" is this normal????? could someone tell me how to calculate how much i am owed?? i tried and was in the region of £730

Thanking you in advance

Tom

[mechs]

Originally Posted by ess3xb0y

Hello, I am new to all this, i requested my bank hstatements from halfax, they are a confusing form, they are written i just a report that has come off the back of some MIS syetm not in any way that comuld be interpreted by any "normal person" is this normal????? could someone tell me how to calculate how much i am owed?? i tried and was in the region of £730

Thanking you in advance

Tom

Are they a printout ie do they look like this for example
2005-10-31 30.00dr

if so thats a computer print out and then you list them all and put them in the spreadsheet from the templates library

[callumsgran]

Originally Posted by ess3xb0y

Hello, I am new to all this, i requested my bank hstatements from halfax, they are a confusing form, they are written i just a report that has come off the back of some MIS syetm not in any way that comuld be interpreted by any "normal person" is this normal????? could someone tell me how to calculate how much i am owed?? i tried and was in the region of £730

Thanking you in advance

Tom

Tom if you could rewrite this in english for us i'm sure someone will be able to help!!!

[ess3xb0y]

Sorry, I sent off for my bank statements from halifax, they were posted to me in a big brown envelope, but not in the form i usually recieve them in the post, they were not easy to interpret as there is a lot of useless information. They appear to be just printed out in some form of management report. Has anyone else had statements in this form, and if so how do i find all my charges in them???

The report had pages and pages of information on how my interest is calculated. They do mention charges but there are a lot of codes afer each charge, there are some small charges which i believe to be negative interest, do i include this?? and if i write the date of the charge down is it the date it was debited or the date i was notified of it??

[Janet-M]

under the data protection act they have to give you your information in an intelligible form.If they use codes etc without an explanation what the codes stand for then this is not inteligible . I suggest writing back to them pointing this out and telling them because of this they have not complied with your S.A.R - (Subject Access Request) in full .Remind them how much longer they have left to comply .You need to do this ASAP.

In the meantime it may help if you post the codes in here and maybe someone will know what they mean.

[ess3xb0y]

What is the best address to send the prelim letter to???

[mechs]

HBOS PLC
Trinity Road
Halifax
HX1 2RG