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With my lloydstsb bank account claim settled, I'm eager to start on both my credit cards now, Halifax & Cahoot.
I made a subject access requests to Halifax a few weeks back, and have today received my statements. Pressumably the two fee's claimable with credit cards are "overlimit fee's & late payment fee's"?
hi 121
just a quick question, did you get all your info from your SAR in one lump?
I'm really perplexed as I got mine today but all I have is from 2003 - beg of 2006, just wondering whether to hassle for the rest of it they might come seperately?
good luck with your claim
My statements start from 2003 and continue till present. I estimate I am missing approximately 2 years worth (2001 - 2003). I have sent a non compliance letter and suggest you do the same.
wow, speedy reply thanks very much 121!
It was a really rude letter, just addressed me by surname, no Ms, and wasn't even signed HUMPH!!!
non compl letter off toot sweet!
Enjoy the trip to the Post Office (you are sending it registered?) LOL
Be good to those who give you advice that helps - click the star below to give them your thanks by way of a reputation credit.
I've launched my CAG inspired site at http://hillards.co.cc/ for anyone who wants to know what the DCA's are really like, or what a CCA or SAR is... Lots of good reading!
IMPORTANT: Take my advice on the basis that I am expressing my opinion, based upon knowledge gained. I am not a lawyer and have no legal standing
Have received a letter from the Halifax this morning.
It says that my account was opened on the 1st of April 2003. However I know it was opened before then.
I had reported my card lost/stolen once and I was given a new account number. I'm presuming that the statemetns they've sent relate to just my new account number and not my old one.
If this is true, I presume I would need to write to them again with the old account number (if I can find it) and send a seperate SAR? Aslo it would be 2 claims to start?
Probably worth giving them a call. There should have been a name on the letter they sent to advise they were sending statements out, although there may not be a number. Try 01422 380880, the main switchboard at Trinity Road.
If you can find the old account roll number then ask them to provide details on that as well, pointing out the problem that caused the account to be changed.
Depending on the total, you could lump them together in your claim. Just keep the details seperate so they can also do the calculations.
Be good to those who give you advice that helps - click the star below to give them your thanks by way of a reputation credit.
I've launched my CAG inspired site at http://hillards.co.cc/ for anyone who wants to know what the DCA's are really like, or what a CCA or SAR is... Lots of good reading!
IMPORTANT: Take my advice on the basis that I am expressing my opinion, based upon knowledge gained. I am not a lawyer and have no legal standing
I have today received (in response to my lba) a letter saying...
"To demonstrate our commitment to you as a valued customer I have refunded your account with £565.00 which represents the total charges on the account."
Its the full amount I asked for, with no conditions attached and I didn't even start the MCOL.
Oh, that's not on! The rest of us were not valued customers then ???
Seriously though, well done on your win!
Be good to those who give you advice that helps - click the star below to give them your thanks by way of a reputation credit.
I've launched my CAG inspired site at http://hillards.co.cc/ for anyone who wants to know what the DCA's are really like, or what a CCA or SAR is... Lots of good reading!
IMPORTANT: Take my advice on the basis that I am expressing my opinion, based upon knowledge gained. I am not a lawyer and have no legal standing
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
121o121 v Halifax CC ***SETTLED IN FULL***
bank account claim settled, I'm eager to start on both my credit cards now, Halifax
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"Another charge by the Bank?"
