sweenstar
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Yes it is my account, they are messing me about, I have a copy of the original letter and am currently scouring the house for receipt of recorded delivery and postal order.........
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Good Evening, I received this reply from Barclays on Saturday :- Thankyou for requesting information under the data protection act. Unfortunately in this case we have been unable to process the enclosed request for the reasons below. SAR's team have not received the original request, please provide the original request in order for us to process the request, If you have provided a cheque with your request we can confirm this has been destroyed. When returning further information to us for a subject access request, please ensure you have included a letter of authority and any relevant payment in your response, as we may require this to process the request
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Halifax - Gesture of Goodwill - Reclaim charges ?
sweenstar replied to sweenstar's topic in Halifax Bank and Bank of Scotland
Good Evening, I received a letter from Halifax, please let me know your thoughts :- Thankyou for taking the time to contact us about your complaint, I am sorry for any upset or inconvenience you've experience, I tried to contact you by telephone to discuss your concerns further. However, I've been unable to reach you. My understandings of your concerns from your original letter are you are unhappy with the fees applied to your account and feel they are unlawful. You wish Halifax to repay these fees with interest included in the payment. In addition you wish the removal of the default on your credit file. My Decision Having reviewed your complaint, and based on the information available to me, I'm unable to agree that there has been any bank error in respect to charges applied to your account. My Findings After a review of our records, I can see the outstanding balance on the account was reduced to a zero balance and a letter dated May 2010 sent to you confirmed this. As such any fees or charges which were applied to the account were removed at that point. As such we will not be refunding any charges or interest as per your request as these were applied in line with the terms and conditions of your account. Finally any adverse data in respect of a default in 2009 will have been removed after a period of six years so will not show on your current credit records. What you need to do ? If you are happy with my decision then you don't need to do anything. If you are unhappy with any part of my decision, please contact me on xxxxxxx, alternatively you can contact me on the above address -
Halifax - Gesture of Goodwill - Reclaim charges ?
sweenstar replied to sweenstar's topic in Halifax Bank and Bank of Scotland
Ok thanks for the advise, I will still send the template letter / compound interest form and will update you with their response..... -
Good Evening all, I was after some advice on if you think I could reclaim the late payment charges / over limit charges on an old credit card ? To cut a long story short I had a Halifax credit card running from 2002 - 2010 that I got into difficulty with, eventually running up an outstanding balance of £11,800 After many sleepless nights, countless number of letters back and forth, many requests for the singed original CCA, many threatening letters and a lot of advice from the CAG I eventually managed to get the debt written off, well not written off as such, Halifax made a gesture of goodwill payment of the full outstanding balance Yes that's right £11,800 paid by them as a "gesture of goodwill" This was all back in 2010 and I left it at that Anyway with all the PPI stuff going around I though I would check to see if the policy ever had PPI (via SAR) which it did not, but there are quite a lot of over limit charges and late payment charges so I have filled in the compound interest calculator and it amounts to over £6,500 Do you think it would be cheeky to request these charges back ?
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Hi Slick, Sorry for late response, I think so Yes I have requested a SAR from BARCLAYS but have so far not had it, all I have had is an apology letter saying they are processing it but are very busy at the moment, I am just constructing a response threatening the information commissioner if I do not receive it. Thanks.
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Good evening all, I received a letter from Link today :- We write further to you in relation to your request for account documentation under section 77/78 of the consumer credit act 1974. The original creditor has confirmed that they are unable to fulfil the section 77/78 request. Although the account is currently unenforceable the outstanding balance remains collectable and it is acceptable for creditors to register and continue the reporting of a default. We have enclosed a copy of the response provided by Barclaycard. If we can be of any further assistance to you, or if you have any questions or queries in relation to this letter please feel free to contact me directly on xxx x xxx xxxx
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Good Evening all, Despite me requesting Link to send a copy of the original credit agreement I haven't received one yet, but they did say it would take some time as they have to request the info from Barclay card.. I did SAR Barclay card, they sent me a letter back acknowledging my request but asking me to be more specific about what information I was looking for (think they are messing me around), Maybe they did not read the bit that stated "all information", I will have to send another letter to them now, any suggestions ?
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Hi Slick, Many thanks I will SAR them again using the standard template from the CAG library, I have also looked at the tips that Dx has provided and will follow the suggestions. If they do not provide me with all the info I need I may have to "threatened BC with the ICOicon" as suggested. I will update you when I get an update, Many thanks.
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Sorry more readable version attached :- Erm I have SAR Barclaycard and this is where I am getting this info from, but I SAR them in 2014 and they sent info back as far as 2008, do you think they would keep infomation back as far as 2001 ? and if so why didn't they send it me in 2014 Barc1.pdf
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Hello Guys, I have added the amounts as per each statement I have from April 2008 till the last statement they provided (showing transactions) October 2009. I suspect there are a lot more charges added prior April 2008 .... Barc.pdf
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Thanks guys, just starting to go through the statements, but unfortunately they only start from April 2008 - I will fill the form out with the info I have but at that point the card was already up to £5500 ! Just a little confused what interest rate they used as at the bottom of each statement it states :- Cash interest charged at 1.736% per month Merchandise interest rate charged at 1.313% per month
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it will disappear on the 6th anniversary of first being in default (FEB 2012) which is feb 2018, I guess it will appear in the closed accounts section of my credit report ? "and again Pay them..why?" I wanted to get this done and dealt with so I could start repairing my credit file, in the hope that it repairs quick enough for me to be able to get a new mortgage. It will be next year before I think of moving house but I am preparing for it now.... What would be your suggestion on how to handle this please ? Please also can you tell me where to find "CISheet"
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Are you saying that I would have to pay them off if I want mt credit file repaired any time soon ? That is the conclusion I originally came to, hence the letter to them but they refused - even though they probably brought the debt for a small amount
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Ok Thanks, so we are sill going with the statute barred date of Feb 2018..... It wont help clearing my credit report this year either and I will wait to see if they produce a singed original credit agreement with the original terms and conditions.
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