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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Halifax direct contact details


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CUSTOMER RELATIONS

HALIFAX PLC

PERMANENT BUILDINGS

COMMERCIAL STREET

HALIFAX

HX1 1BH

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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Dear All

 

If you want to save time when phoning the standard number (08457 203040) just keep press 0 (for about 5 times) fast and an adviser will speak, no stupid option pressing.

 

Regards

:wink:

Best Regards<br />

<br />

Clarkey1<br />

<br />

<b><font color="red"><img src="images/smilies/laugh.gif" border="0" alt="" title="Laughing" smilieid="25" class="inlineimg" /> <u>If I have helped then please click on the scales</u> </font></b><img src="images/smilies/laugh.gif" border="0" alt="" title="Laughing" smilieid="25" class="inlineimg" />

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for anyone who might need the Glasgow Business Centre number it's 0845 604 2323! I was told I'd need to contact them directly after about 2 weeks of chasing them and calling around.

laura

 

DPA sent to Halifax 7th March

Request for Repayment sent 5th April £407

Offer of £238 received 21st April

Acceptance of offer but not as FFS & LBA sent 21st April

Papers taken to Sheriff Court 15th May - hearing set for 11th August

SETTLED 9TH JUNE £407 + £39 EXPENSES :)

 

Request for Repayment of charges sent to GE money (Monsoon) sent 28th April

LBA sent 12th May

Called GE Money who denied receiving any correspondence, cheque should be sent out in the next 7 days...

Cheque received 7th June

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  • 2 weeks later...

Senior Customer Relations Manager, Kenneth Graham, PO Box 548 Leeds LS1 1WU,

Direct Fax: 01383 426836 (This is not the fax number published on their letterhead, this is his direct fax number)

  • Confused 1

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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Julie O'Donnell or Helen Southern

Data Protection Consultant

Retail Business Risk

 

 

HBOS PLC

Trinity Road

Halifax

HX1 2RG

 

Tel - 01422 332991

Fax - 01422 394512

Halifax Data Protection Act requested 5/4/06

Prelim letter sent 5/5/06 for £2299.00

£219.00 offer 20/5/06

LBA sent 22/5/06

Moneyclaim filed 5/6/06:) Settled in full

 

Barclays prelim letter sent 5/5/06 for £150

LBA sent 22/5/06

Moneyclaim filed 5/6/06:) Settled in full

 

Barclaycard 1 prelim letter sent 5/5/06 for £100

LBA sent 22/5/06

£50 rec'd back

Last request for remainder 5/6/06 :)Settled in full

 

Barclaycard 2 prelim letter sent 5/5/06 for £160

LBA sent 22/5/06

Last ditch attempt letter sent 5/6/06 :)Settled in full

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16/04/06 Been thinking about action for a couple of weeks & decided to take the plunge! DPA request Sent Via email

18/04/06 DPA request handed into local branch, fee paid £5 - Reciept obtained

20/04/06 After emailing/faxing 3 times a day, phone call to say the statements have been ordered

26/04/06 Letter received with list of charges and refund of £5

27/04/06 Statements for 1st account received Parachute Deployed

29/04/06 Statements for 2nd account Received, Request for repayment sent £1446.55

04/05/06 Standard reply with complaints leaflet received.

08/05/06 Conditional offer received

 

View my progress

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Legal dept

 

01422 391 096

  • Confused 1
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Mysone has a letter which asks him to ring 0141 204 6451. This is the Glasgow Customer Services Line.

 

I don't know if it is of any use or just another blind. I will try it tomorrow.

 

If its owt like their other customer helplines then it will be another load of ollacksbay.

 

I tried one when they requested me to phone 'to discuss this matter' and was just treat to a blank denial of everything. I asked them why they were wasting my time sending meaningless letters.

 

I also left them in no doubt that after the treatment that I had from their YOPs scheme operators, I would see them in court even if it means that I have to stand there with the arse hanging out of my trousers.

 

I was so mad I could have crushed a grape.

The Baron

 

"To sin by silence when we should protest makes cowards out of men"

~ Ella Wheeler Wilcox

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  • 2 weeks later...

Sent my initial letter off to

 

James Crosby - Chief Executive of the halifax. Had a quick polite response from Sarah Briggs who was passed my information and acted on it.

 

Will now post my letter asking for payment of charges endorsed to

 

Sarah Briggs, Executive office, Halifax PLC, Trinity Road, Halifax. HX12RG

happy smiley faces!!

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  • 3 weeks later...
Another contact:

 

Damian Robertshaw, Customer Relations Manager, Halifax Plc, Core Business Team, Customer Relations, PO Box 548, Leeds, LS1 1WU Tel. 01422 333465

 

This guy is useless he doesnt know the Data Protection Act see my thread mechs and mother (deceased) v the halifax

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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This is the fax number halifax use to send DPA request to directly:

 

01422394503

Do you have a website? Add the following code to add a link to The Consumer Action Group:

 

<a href="http://www.consumeractiongroup.co.uk"><b><font color="#FF0000" face="Verdana, Arial, Helvetica, sans-serif">The Consumer Action Group</font></b></a> - <font color="#FF9900" face="Verdana, Arial, Helvetica, sans-serif">Reclaim your rights as a consumer and reclaim your unfair bank charges! Free site with letter templates and helpful forum.</font>

 

_____________________________________________

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Contact given to me

 

Louise Curran

Customer Relations Manager

Core Business Team

Customer Service

PO Box 548

Leeds LS1 1WU

Phone 08457 253519

fax 0845 128 1385

 

even used their reply envelope to send my rejection of the measly £248 offer!

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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Does anyone know what address to use to send a DPA Request for a Halifax Credit Card?

 

Thanks in advance!

 

This is the one we used

 

Halifax Card Services

Pitreavie Business Park

Dunfermline

Fife

KY99 4BS

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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[email protected]

 

This one seems to accept e-mails.

 

(James Crosby is the Chief Executive of Halifax PLC).

 

Why not tell him what you think.

 

:confused:

 

Originally Posted by snootycow

This man was replaced on the 31st July 2006 by Andy Hornby. I don't know his email address but you could probably guess what it is. Confirmation of the email from anyone who has used it would be useful.

HALIFAX - Settled in FULL - £1654 13/6/2006

NatWest - Prelim sent - £985 16/6/2006: LBA sent 30/6/2006 : Summary Cause issued (Sheriff Court) on 14th July : Waiting for Cobbets!!!

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Thought ld let you all know that 2 email addresses came back as failures they are:

 

[email protected]

and

[email protected]

 

hope this helps?

 

Marilyn

Marilyn:p

 

--------------------------

HALIFAX A/C - SETTLED 4 AUG

HALIFAX CC - Data Protection Act SENT 2 AUG

15/09/06 - rec'd all statements - Eventually!! -521.81GBP

21/09/06 - Prelim sent

08/10/06 - LBA sent

11/10/06 - Offer £278.10, no thanks

01/11/06 - MCOL £862.56

03/11/06 - offer £521.81 - not sure yet

03/11/06 - MCOL letter

 

 

 

 

_____________________________________-

 

 

 

 

 

 

 

 

 

:lol: don't be like the banks - give a little back:lol:

 

 

 

 

 

 

DONATE SO THEY CAN CARRY ON HELPING PEOPLE LIKE US!

 

There was a time before CAG but now CAG is here we are the empowered!

 

Advice & opinions given by marilyn are personal. If in any doubt, you are advised to seek the opinion of a qualified professional

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