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Hi
Can anyone help here.
I have won my case with Halifax on bank account and visa and now its time to start on the loans.
I sent my SAR off and they replied saying the following:
I refer to your recent letter regarding the above numbered accounts. On checking our records at Preston, I am unable to trace any details about the three loans. I subsquently reqested the information from my Head Office who can retrieve archive information. I have today received the following reply from my Head Office:
I have run reports on all of the roll numbers you supplied but unfortunately none have returned any information. This suggests that they are older than five-six years and they no longer exist on our system.
There is an annual system job that deletes loans off our system that are older than five years.
However, I can only confirm the following details:
XXXXXXXXXXX - was opened 27/9/91, closed 12/1/1994 XXXXXXXXXXX - was opened 12/1/1994, closed 11/6/1996 XXXXXXXXXX - was opened 8/6/1996, closed 9/4/2000
Ok, where do I start as surely I can get some information about them. I won my account back to 1991 and I intend to do the same here.
Hi Sharon.
I think what I would do in your situation is first send of a CCA request paying the £1. oo fee and at the same time filed with the courts for non complience, you would need to fill in the N1 and where's it asks for the amount ie award you right that it is under £5,000 and would like the Judge to decide a appropriate amount, this should get you the infor you need as hopfull the judge will order directions to make them comply. you have a right to this information, if the still have the details on when it was open and closed you can bet they will have all the statements. I have tried forever and every which way to get my loan details from my back to no avail so I have issued proceedings and won judgement against them as to how much i will get will be decided at a hearing next month, everything you need to file in the court forms are on this site, also if you has on the general consumer site they can also help you. the one that closed in 2000 is not that long ago, and there are certain rules regarding litigation that they have to keep your records. have you ever contacted them between when the loans where closed and know? if so this will help your case. I am sorry if i can not be more helpfull, i am crap with computors so not able to direct you towards any links, but do try posting under the geraral consumer thread I am sure you will get a lot of help from that section, they are spot on with agreements and that sort of thing, If I can be of any more help please let me know and i will be only too glad to help you.
[
Pen
if i have been off any help to you please click my scales
cases won
28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement
18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.
Send the CCA with the £1,00 fee, you will find the template on this site, if you have sent them all the letters on here regarding the SAR, i think there is about 4 of them and they have still not complied with your request then issue proceedings against them.
Pen
if i have been off any help to you please click my scales
cases won
28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement
18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.
i have searched and cant find the template, can you help (so sorry!)
How do I go about filing court proceedings - do I just fill moneyclaim online in? if so, what do i ask to be done?
HALIFAX: PRE 6 year claim 1991-2006 WON 21/3/07 £2616
CAPITAL 1 - WON 19/3/07 £800.22
CAPITAL 1 - WON 19/3/07 £325.75
AQUA - MCOL 2/3/07 £172.79
ABBEY - MCOL 2/3/07 £261.37
HALIFAX VISA - WON default removal 19/3/07
PARAGON - LBA 11/3/07
CABOT -SAR 26/2/07
ROCKWELL -OFFER 20/2/07
GMAC -MCOL 7/2/07 £189.85
WESTCOT - SAR 25/2/07
Hi Wilkinss, sorry as I have already said i do not know how to link pagers to help you but put this in to the search at the top of the page Can't Find What You're Looking For? Here's A Complete A-z IndexCan't Find What You're Looking For? Here's A Complete A-z Index opps don't know how that happend. maybe i do know how to link after all and did not know it. anyway this thread is a minefield, it contains all the templates for CCA and moneyclaime on line, in fact it has alsmost everything you need. I cannot understand why you are not getting help and advice for anyone else but stick with it I am sure someone more knowledgeable will come along soon to help, they really are a great bunch there has just been a lot going on at the moment with that case that lost, I am sure you have read about it. If I can help in anyway just let me know and I will do my best or if i can't i will direct you to someone who can. keep at it.
Pen
if i have been off any help to you please click my scales
cases won
28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement
18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.
Hi Wilks, I have just found this thread call loan company cannot find original agreement. by baconbuttyman put the title in the search at the top, it's very simmiler to yours read through it. I hope it helps.
pen
if i have been off any help to you please click my scales
cases won
28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement
18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.
Just been readin your thread. Can I ask what they said in their reply please.
Regards
30-12-2006--Requested statements from Local Halifax.
02-02-2007--Statements Recieved.
18-04-2007--Prelim sent.
20-04-2007--Reply , Thanks , give us 8wks letter.
02-0502007--Sent L.B.A. & Schedule of Charges
11-05-2007--Recieved reply ,still investigating.
17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.
14-06-2007--Received standard Bog Off letter.
13-06-2007--Took N1 to Local Courts.
26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007
Have till 09-07-2007 to file Defence.
05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.
Have 28 days from date of Service to File Defence.
07-07-2007--Offer from Halifax.
09-07-2007--Rejection letter sent to Halifax. Next day delivery.
10-07-2007--Money put in Account
Dont know if this will help but have a read of this.
IMHO if the bank can tell you exactly the dates when these loans began and when they finished then they must have some information on tem.
Thay didnt just pick these dates off the cornflakes box , did they.LOL
Keep on at them and more importantly keep to the timescale.
Hope you might find this useful.
If not then hopefully someone else with more knowledge than myself might be able to help.
Good Luck.
Regards.
30-12-2006--Requested statements from Local Halifax.
02-02-2007--Statements Recieved.
18-04-2007--Prelim sent.
20-04-2007--Reply , Thanks , give us 8wks letter.
02-0502007--Sent L.B.A. & Schedule of Charges
11-05-2007--Recieved reply ,still investigating.
17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.
14-06-2007--Received standard Bog Off letter.
13-06-2007--Took N1 to Local Courts.
26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007
Have till 09-07-2007 to file Defence.
05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.
Have 28 days from date of Service to File Defence.
07-07-2007--Offer from Halifax.
09-07-2007--Rejection letter sent to Halifax. Next day delivery.
10-07-2007--Money put in Account
after i sent letter of non compliance with a list of what i required they did manage to send a list of phone conversations between us so i think they have more than they are letting on, going to take this to the information commisioner and see is if can get anything else out of them.
I will soon be on first name terms with the commisioners office,haha no one seems to want to give us our information I wonder why?
will keep you informed of how i get on.
good luck to you
30-12-2006--Requested statements from Local Halifax.
02-02-2007--Statements Recieved.
18-04-2007--Prelim sent.
20-04-2007--Reply , Thanks , give us 8wks letter.
02-0502007--Sent L.B.A. & Schedule of Charges
11-05-2007--Recieved reply ,still investigating.
17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.
14-06-2007--Received standard Bog Off letter.
13-06-2007--Took N1 to Local Courts.
26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007
Have till 09-07-2007 to file Defence.
05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.
Have 28 days from date of Service to File Defence.
07-07-2007--Offer from Halifax.
09-07-2007--Rejection letter sent to Halifax. Next day delivery.
10-07-2007--Money put in Account
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!
They cant find my loan documents
on bank account and visa and now its time to start on the loans.
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