Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi Group.
I sent off my data info letter and have just received a letter back from the halifax saying a complete list of statements are ordered and will be delivered shortly. Also in the letter the lady also stated "With regard to your request for information relating to manual intervention on your account, HBOS plc is under no statuary obligation to record this information and therefore, i am unable assist further with your request".
Can anyone please tell me if this is admitting there has been no manual intervention? they cannot prove any manual intervention? or do i need to push harder to get it in writing stating there has been no manual intervention (PHEW!!) lol. If anybody has any advice it would be greatly appreciated.
Tommy
They are claiming that they can't prove manual intervention (more because it didn't occur than the reason they provide). It just weakens their case that they use to justify the high charges. They really ought to stop the pretence as we know and they know it didn't occur!
Jeep (The Wife & I)
Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
Halifax joint a/c new charges £1100 - LBA sent 02/08/06
Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
Halifax Visa (#2) Data Protection Act sent - refunded £170 DONATE - Support this site, it supported you! Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet All advice given in good faith and without prejudice or liability, to be taken at your own risk!