Just received the court papers & don't know where to start.

They signed for it April 2 so May 11th is the 40th day. So the letter I am sending will give them 10 days to fully comply with my SAR......have I calculated that correctly?

Is it 40 calendar days from the date letter was sent to them (if recorded) or from the day they signed for it?

Thanks so much again Rory for all your help & guidance.

Finally Rory, what about HFC with regards to my SAR.....they have only sent me a statement of account & a standard letter which I have added below: This is the HFC letter Received: Dear xxxxx Thank you for your letter requesting information about transactions and charges on the above account. Copy of your statement has been enclosed covering the period in question. We are happy to waive any fees for the production of this information; therefore, please find enclosed your £10. Although many of our systems are automated, a "manual intervention" by HFC staff may be required in a variety of situations including, account opening, dealing with correspondence or telephone calls and from time to time during account administration. Should you require any further information, regarding the above account, please contact our customer service department on 0870 010 0453, who will be happy to assist you. Yours Sincerely HFC

Rory, just getting the letter ready. Do I keep this section in or not?

Thanks again Rory, I will get that letter off 1st thing tomorrow & keep the thread updated as and when I receive something.......

What happens to the issue of 2 default notices being served on the same account? Also, their failure to follow data protection reg's whilst on the phone to me?

Is this referring to the SAR that I sent HFC? Rory, when I spoke to Weightmans today, they said they were not aware of any dispute and hadn't been informed from HFC that there was one. I told Weightmans that I had sent in a SAR to HFC but had only received a statement of account back. Is it still ok to include this section in the letter?

Thanks Rory. This is to go to Weightmans recorded delivery? Weightmans said that legal proceedings had already commenced & the court papers will arrive within the next few days. So I presume that I ammend the letter you kindly posted above to mention that. Also if they have already started legal action & I send this letter, can they still withdraw it? Do I need to change 'banking code' in the letter to anything else or does HFC fall under that for a personal loan?

Just to confirm that one default notice was received 2006 & the other in 2007...

Rory, the default notices both came from HFC. I would be so grateful if you could help me on this letter, I don't know where to start. Thanks Rory

I have just checked through the default notices & they are both for the same account......are they not supposed to have done that?

Hi Priority, the amount on the statement of account is £9200. I have got 2 default notices: 1) Sep 06 - Outstanding balance =£9877.53 Less Statutory rebate allowance = £1893.86 Oustanding balance = £8415.99 2) Feb 07 - Oustanding balance = £17643.41 Less statutory rebate = £7898.75 Amount to be paid = £9744.66 The letter that I received said that legal proceedings have commenced and I would receive the court papers shortly.

Oh, when I asked Weightmans on the phone why the figure they are claiming was totally different to the one on the statement from HFC. There answer was it should be the figure that was on the default notice that HFC sent originally....I am so confused:confused:

Hi Sequenci, according to Weightmans they have never been told that the account was in dispute and have sent me a statement of account..should HFC have told them that I had sent a SAR to them and therefore the account is in dispute until they provided me with this information. Weightmans reckon not, they say that they have an agreement in plave to issue procedings when they feel suitable????

If I was complain who would it be too?.......

Forgot to mention, when I rang Weightmans, I only gave my account number & they started talking about my account..... 1) The first guy I spoke to only asked me for my account no. 2)Then he put me through to someone else, who again didn't ask me for any personal details 3)Finally he put me through to the head of the dept, again no personal details were asked from me..... I thought that solicitors have to follow DATA PROTECTION????

Please could someone help me on this, I am shaking like a leaf... Received letter from HFC this morning enclosing statement of account but no other information although I SAR'd them. Also received a letter from the courts via Weightmans that they have started legal proceedings against me. I was fuming so I rang Weightmans and spoke to someone who said that they were entitled to issue legal proceedings against me. I told them that I had only received a part answer to my SAR from HFC and the account was in dispute. She said well thats nothing to do with Weightmans we can issue proceedings when we want to and have done. I said thats totally incorrect & illegal what you have done.....she said no HFC haven't told us that the account was in dispute so therefore we have issued these proceedings......after 20 minutes of talking to a brick wall I slammed the phone down...... PLEASE HELP I AM SO WORRIED & STRESSED!!!!

Any advice please...

Thanks PriorityOne

Thanks Saintly1.....I will have a look through & see who looks best....or rather who will accept me:o

I have got the letter for offering f&f 's but don't know how to adapt it to inform Cabots that I have taken off the admin charges & also want the default removed....

Thanks for that BlurredFX....I don't know where I stand with regards to these charges as they are for telephone calls & letters sent to me and not bank charges....

Hi, Could someone help me on this please. I want to open a new bank account but I know that I will be declined as I have defaults on my credit file. Are there any banks that will accept me with this bad credit file?