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Debt_Mountain vs Bank Of Scotland - Sharing my personal information.


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Now that the bank charges are all resolved I am now taking BOS to court for reporting my personal information with the CRAs without my permission.

 

They are reporting 4 accounts, 1 is allegedly sold to Cabot and the other 3 were all cleared some years ago.

 

Cabot are already in court for what they are sharing so I thought it only correct I go for the original creditor too.

 

Claiming damages andt cost to check my credit file every month since I asked them to stop and the removal of all information as they don't have any agreements. I have asked for them and they have supplied 2 application forms and 2 agreements but no T/C.

 

I am also using the "the contract has ended" arguement as they have continued to share my data but there is no law allowing them to do so in pertuity.

 

Should have been served today but will need to wait for the notice from the court.

If I have helped click my scales....

 

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HI DM

 

Sorry to hear your having so much trouble. Hope you get it all sorted out soon, your right they dont have the right to do this to you.

 

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:mad:

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HI DM

 

Sorry to hear your having so much trouble. Hope you get it all sorted out soon, your right they dont have the right to do this to you.

 

Good Luck.

 

Regards :)

 

 

I don't see this so much as trouble, I see this as sport. They have already done all the damage they can it can only get better from here. I have had loads of charges back that are far more than the defaulted amounts added together.

If I have helped click my scales....

 

Find my threads by clicking here

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Hi DM.

 

Well good for you .

Thats the spirit, you sound so positive .

Glad to see they cant intimidate you.

 

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:mad:

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So now its back to the waiting..:rolleyes:

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  • 2 weeks later...

HI DM.

 

Just makes me wonder if they will file defence as with a lot of people they have said they were going to but havent, mine included.

 

Dont forget if they dont, go straight for a Judgement by Default . dont allow them anymore time than they have already had.

 

Good Luck keep us updated.

 

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:mad:

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