mfpa vs Halifax

[deedee1310]

Hi mfpa!

You seem to be alone on this thread, although c_allen has been trying to help.

I will PM seaside lady for you, to see if she can help and any other successful Halifax claimants.

In the meantime I will go through my notes later and see if there's help I can give you.

Hang in there, you'll see that the cavalry will arrive soon!

deedee

[Dusary]

Originally Posted by mfpa

S.A.R - (Subject Access Request) non-compliance lba posted 23rd May; delivery still not confirmed by Royal Mail.

That's par for the course!

Letter from HBOS PLC dated 6th June stating that they currently have lots of similar requests and confirming that I should receive a response no later than 40 days after they received my original request. (-;

That's the bog-standard reply! Ignore it and stick to your deadlines.

Letter from Halifax PLC dated 7th June confirming the information has been ordered and will be sent. I am to feel free to get in touch if not received within two weeks.

Have received thick envelopes from them over the last week containing some statements and other documents but not yet everything.

Well, what a surprise!

Send off your non-compliance letter.

Followed by your lba.

[Dusary]

The forum seemed to freeze!

[Dusary]

quadruple posting

[Dusary]

triple posting

[Dusary]

double posting

[deedee1310]

Thanks Dusary.

I thought that this would be case but wanted some confirmation! Another CAG'er to the rescue

[Dusary]

That's OK! I've learned such a lot since I came here - and everyone is so willing to help (unlike our banking masters).

Sorry about the multiple postings above - the Forum seemed to freeze over.
Now that we've *bumped* you - others will give you their £2sworth (and NOT charge you £39 each time!)

[deedee1310]

Tell me about it! Smile charged me £60 to send me a letter to say that I was over my limit.

Was I smiling? I think not!

[Dusary]

Bloomin' Heck!

£60 !!!

[deedee1310]

Yep - £60 fecking quid!!! In one month they sent me this same letter three times and then charged me £60 commission that month three times. Yes the maths makes me sick! The wages I made that month was less than a 1/3 of these charges.

This is why I am so poor! I am a mother of 2 who at the time was studying for a degree and trying to hold down a part-time job!

Oh forgot to add that they took away my overdraft and were charging £5 per day for every day that I was overdrawn (which was every day of the month). So in a month I would rack up on average around £160 per month for the daily charge and then another £100 or so, for the direct debits they bounced that month too, plus the unauthorised o/d fee of around £15.

Unfortunately for me, I have not filed my electronic statements for Smile, as throughtly as I have done for paper statements for other banks. I have had to Subject Access Request them in the last week. However, from what I have filed, they owe me around £1.3k!

Don't worry my deedee1310 v Smile thread will be starting as soon as I have all my statements in my hot little hand!

It makes me so angry! However if had not been for the fact that I am currently writing my dissertation of debt and it's causes, I would not have found this site! I've known about the OFT ruling and people claiming money back, for a while but was scared to lose my bank accounts as my credit rating is pants so I can't open another account at the moment. I have more than one bank account but seeing as I will at some point taking them all to task regarding charges, I may be left with nothing banking-wise. The plus side is that I will be debt-free (except for Student Loan and mortgage).

This site has galvanised me into action, so I am spreading the CAG gospel to all my friends and family.

Sorry mpfa, don't mean to hijack your thread!

[sea-sidelady]

Hiya mfpa,

Im sorry you have been flying under the rader!!
Not too sure how we missed your thread.

Ok, from what i see you sent your Subject Access Request 27th March, and your non compliance 23rd May.
So now you can file at court to get the rest of your information as they have only supplied you with partial documents.

To file at court after you sent the non compliance will cost roughly £63, but this is reclaimable.

You need

N1 http://www.hmcourts-service.gov.uk/c...ms/n1_0102.pdf

Non compliance Poc Data Protection Act Non-Compliance - Particulars of claim

[deedee1310]

Thanks SSL!

I knew you'd come through. See I'm doing my bit looking out for other CAG members who might have been missed!



deedee

[mfpa]

Originally Posted by sea-sidelady

Im sorry you have been flying under the rader!!
Not too sure how we missed your thread.

Not much happened yet, anyway.

Originally Posted by sea-sidelady

Ok, from what i see you sent your S.A.R - (Subject Access Request) 27th March, and your non compliance 23rd May.

That's right. Slower than I imagined to get the data.

Originally Posted by sea-sidelady

So now you can file at court to get the rest of your information as they have only supplied you with partial documents.

To file at court after you sent the non compliance will cost roughly £63, but this is reclaimable.

I'll have to wait till next month before I have £63 (unless I can get remission of fees) but I've got a fair bit to be ploughing through in the meantime.

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[Dusary]

How much are you claiming for?