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.
I sent a SAR to Halifax Trinity RD, recorded delivery, with a cheque. I reseved no response, and no cheque was cashed. I checked with the royal Mail and they have " no records" to whether it was or wasn't delivered. I sent a second reminder, with a copy of the original SAR but no check. This letter was delivered on 01/03/07, but i have had no response. The account is closed so i have no online access. Should I resend with a cheque or start court proceedings?
I rang them this week. After being pu through to the wrong departments, made to cue longer than usual, spoken to like i was taking their jobs away i eventually spoke to someone who had a clue. He said that Halifax usually cash cheques asap, but the department dealing with SAR's was swomped so he would send a summary of my charges over the last 6 years. I understand that this could affect what i could claim for. While I am not worried, I believe you would need full statment if you wish to claim contractual intrest? I let you know what arrives.
Got a very simple list of charges this morning, less than i expected and no detail of what the charges are for just "DR" but ha ho. On to the next stage.
If they have just sent a list of charges and nothing else, then they are in breach of the DPA.
You asked and paid for....
A complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.
To be supplied with just a list of charges is failure of the DPA.
You could send the non compliance letter as they havnt sent you a complete set of statements.
Got a very simple list of charges this morning, less than i expected and no detail of what the charges are for just "DR" but ha ho. On to the next stage.
i've just had the same from halifaxs, just 6 occasions when i was "DR", no details of charges and only going back to 01/01/03
Non compliance noticed sent. Thay hadn't cashed the first cheque for some reason so i sent another copy and gave the 14 days. I've sent a request for refund for the £305 of charges, they have notified me of.
On 15th June(Recieved Saturday 16th) Halifax offered £335.85 and gave me 7 days to respond. On Tuesday 19th a letter arrived dated 18th June with a cheque for "Full and final settlement." Offer rejected.
Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk...i-dummies.html Me v BofS: Charges: £13,048.10#2a/c Statements from 08/01/01 received. Charges:£5,156.39Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.2306/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00
£11,136.33 paid back thus far.
New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON! Don't forget - when you win - a donation to CAG would be welcome! If anything I've said has remotely been of any assistance, then please tip my scales!
NO about 70%, sorry jshtr3 vbmenu_register("postmenu _694241", true); has given me the harsh word about poor communication skills, and lack of updates! I'll take your advice Dusary vbmenu_register("postmenu _971202", true);
Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk...i-dummies.html Me v BofS: Charges: £13,048.10#2a/c Statements from 08/01/01 received. Charges:£5,156.39Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.2306/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00
£11,136.33 paid back thus far.
New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON! Don't forget - when you win - a donation to CAG would be welcome! If anything I've said has remotely been of any assistance, then please tip my scales!
Difficulty with SAR
to Halifax Trinity RD, recorded delivery, with a cheque. I reseved no response, and no cheque was cashed. I checked with the royal Mail and they have " no records" to whether it was or wasn't delivered. I sent a second reminder, with a copy of the original SAR
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Re: Difficulty with SAR
Originally Posted by hairycornflake
Have you done your Information commissioners complaint yet?