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, sent DPR 36 days ago, they cashed the cheque but so far have'nt received statements. i have 3 years worth of statements, but need the 2000-2003 as this was a very profitable time for Halifax using my money, i'm not sure i want to give them another 28 days to pay up, i might just send them the letter before action, then guess the 2000-03 amount in a seperate claim, what do you reccommend :?
Hi , You need to read the FAQ there is a step by step procedure you need to stick to so as not to make mistakes, it is there because it is tried and tested, once you have read it just follow the steps and it will all fall together, read my thread for Data Protection Act non compliance.
"The Truth, the whole Truth and nothing but the Truth"
hi there, i understand what you're saying i just have a horrid feeling that if i send a non compliance letter it will delay the response and the bank can say they have got rid of my statements for 2000 as they do not have to keep them beyond 6 years. the cheque was cashed on 25/08/06 but no statements, what if they have got lost in post, i just having a paranoid moment, thanks for you're reply morgan054
hi all,
just got off the phone to Halifax asking where the paid statements are, and was told they have no request on the system (perhaps because i asked for dpa request and it went to trinity halifax) anyway explained that the cheque had been cashed but not about the DPA request. the man was very helpfull and said the statements for 2000-2003 would be with me in 3-5 days, it just shows that the banks have this information at a touch of a button. i'm not saying don't ask for DPA, its just seems that sometimes it is opening up a can of worms that is'nt needed. if you can ask for statements for the six years and pay for them go that way. the statements are easier to read than the DPA transaction statements too!!! i will keep you posted
hi there, think i'm getting somewhere. rang the Halifax this morning, they have no request for statements on their systems, i did'nt tell them that i requested them through DPA, as anyone can play stupid. he told me the statements would be with me in 2-3 days at no charge, this might be because i've already had the cheque cashed. as soon as they arrive i will send the lba. thanks for all your help, i will keep you informed;-)
Whilst this approach can work there's no obligation on their part to get them out within a set timescale or as a complete set covering the full date range requested. At least the DPA puts a legal requirement on them to conform.
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!
yes i know you're right, but their time is nearly up under the 40 days and i've heard nothing. in another thread i voiced my fears that after persuing them with a non compliance order it would take my claim beyond the six year period in which they keep transactions. i know this sounds paranoid but i have reason to believe that my bank set all direct debits, standing orders ect to be taken when the money was running out, thus paying them or not would cost me an extra £100-£200 each month. so to wait this out would be beneficail to them. does this sound mad or what? eh well must be getting tired, thanks for advice, you are right. jo
The six years should count from when you make the first approach.
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!
jo v halifax
using my money, i'm not sure i want to give them another 28 days to pay up, i might just send them the letter before action
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looking good
