foaf26907 vs Halifax (& NatWest)

foaf26907 · 30th April 2006, 16:00

hi all I have been impressed by the number of cases and I am determined to put mine through. I've recieved back from them a print out of charges from local branch over the last 6 years totalinbg £1301.
I have some questions though.

1. I am concerned because I do not have an agreed overdraft on my account as I opened the account just before I was made redundant at work and went immediately on to Benefits the Halifax refused to upgrade it to a full checking account with OD facilities as I no longer had a salary coming in. Can I still apply for refund of charges? I know one of teh letters dose state "refund for all charges" but is this OK for me?

2. As I sent my Data Protection Act request to my local branch St Albans and they replied am I better of sticking with them or should I go directly to the Head office & just enclose a copy of the reply with my next letter ?

Thanks Foaf
P.S Has anyone out there had a refund from St Albans branch ?
I'm also waiting a respone to my Data Protection Act request from NatWest as well.

30th April 2006, 16:08

All the answers to your questions are on the forum, Honest!

Please read the FAQ's and everything else 1st beforehand.

It doesn't matter if you have an OD or not, infact alot of people dont have one.

If you had a response from the branch then stick with that, they have an intenal mail system in any case!

Hope this helps,

Lou

foaf26907 · 30th April 2006, 16:12

thanks I did try doing a "search" to get answers but couldn't find answers but thank you for your quick reply.

Data Protection Act Halifax 13/04/06
Reply List of charges 18/04/06

Data Protection Act NatWest 13/04/06

30th April 2006, 16:16

Just out of interest id halifax end all your statements? Im just checking the amount is accurte as some bank have been known to accidently "miss" charges off !!!!!

foaf26907 · 30th April 2006, 16:22

actually I got a list a charges excerpt of letter recieved from Nikki Rice St albans

Data Protection Act disclosure request.
Turning to your request for an exhaustive list of charges. Whilst I acknowledge it is your legal right to apply formally under the Data Protection Act for all the records we hold on you, your request is very specific. There is normally a £10 charge for a formal request, however in the interests of customer service I have provided a list of your bank charges for the last six years, free of charge. As well as the charges on the list there was a charge that debited on the 19th April for the sum of £39 and a charge pending to debit on the 31st May for the sum of £28. if you still want to pursue a formal request please let me know.
I understand that you would like to receive information about our manual intervention on specific transactions. We are under no statutory obligation to record the information you require and thus are unable to comply with your request.

30th April 2006, 16:42

Ok that seems fine, just thought Id warn you as its happened before to a couple of people!

Lou x

foaf26907 · 3rd May 2006, 19:09

have just read a very informative thread on Halifax's refusal to discolse MI. I also got the same letter but didn't think to follow it up. I saw in the other thread the way to go about it is to request an appointment to view the info at the bank. Does this have to be done ? there was some reference to the bank possibly using it in court ? I have already sent my 2nd letter as they sent me a print out of all charges. SHould I wait for a response and request an appointment to view MI at the branch?
thanks

colour-me-happy · 3rd May 2006, 19:59

Quote:

Originally Posted by foaf26907

have just read a very informative thread on Halifax's refusal to discolse MI. I also got the same letter but didn't think to follow it up. I saw in the other thread the way to go about it is to request an appointment to view the info at the bank. Does this have to be done ? there was some reference to the bank possibly using it in court ? I have already sent my 2nd letter as they sent me a print out of all charges. SHould I wait for a response and request an appointment to view MI at the branch?
thanks

I wouldn't worry too much about that, you can show you have asked for the information and you were refused, should it get to court (which is doubtful!)

foaf26907 · 3rd May 2006, 20:01

ok thanks

foaf26907 · 18th May 2006, 20:57

progress receieved letter today in response to my LPA. Offer of £245 usual splurge about my responsibitly to make sure funds are available yada, yada, yada.

I will decline & request full payment within 14 days and start preparing by court docs.

Do I need to send another LPA or is a letter of refusal enough.

BTW contact details

Louise Curran
Customer Realtions Manager
Core Business Team
Customer Relations
PO Box 548 Leeds LS1 1WU

colour-me-happy · 18th May 2006, 21:33

You can just incorporate your refusal into the existing LBA.... I put on mine "your offer of xxx is not acceptable as full and final settlement, however, I will accept it as an interim payment" something like that will be fine!

Movingon · 19th May 2006, 12:35

By the way; the following passage from the Data Protection Act should be informative regarding their refusal to disclose manual intervention data:

Quote:

Originally Posted by Data Protection Act 1998

7. - (1) Subject to the following provisions of this section and to sections 8 and 9, an individual is entitled-

(c) to have communicated to him in an intelligible form-

(i) the information constituting any personal data of which that individual is the data subject, and

(ii) any information available to the data controller as to the source of those data, and

(d) where the processing by automatic means of personal data of which that individual is the data subject for the purpose of evaluating matters relating to him such as, for example, his performance at work, his creditworthiness, his reliability or his conduct, has constituted or is likely to constitute the sole basis for any decision significantly affecting him, to be informed by the data controller of the logic involved in that decision-taking.

So - basically if they are making decisions significantly affecting you, then they ARE REQUIRED to produce evidence of their logic for each and every decision. i.e. they must provide you with details of every manual intervention.

foaf26907 · 1st June 2006, 19:20

Filed claim online. Is it OK that I rejected the offer they made and said they had to refund me in full ? i.e that I didn't accept the offer as partial payment.

Total claim now up to £1800.00

barracad · 1st June 2006, 19:21

Quote:

Originally Posted by foaf26907

Filed claim online. Is it OK that I rejected the offer they made and said they had to refund me in full ?

Of course it is. It's your money, go for the full amount.

Good luck.

foaf26907 · 17th June 2006, 13:32

To quote Dora the Explorer " Hey we did it"
Full refund with standard letter saying no admission of liablity blah, blah, blah

Thank so much for all your help.
Now on to NatWest

Movingon · 17th June 2006, 13:49

Congratulations!!

barracad · 17th June 2006, 20:08

Excellent news!!

Please complete our bank charges survey.

And a donation would be greatly appreciated

foaf26907 · 18th June 2006, 21:39

gladly completed survey, made donation and booking family holiday

may get some more holiday spending money off NatWest

Thanks every1 for all your help & advice

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