Lizbrind
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Halifax not responding to Access Request
Lizbrind replied to alumley's topic in Halifax Bank and Bank of Scotland
After speaking to someone at telephone banking last night (40 days is up on our request too) they have apparently been told that the data protection department is unable to meet the 40 day timescale at the moment. What exactly is so complicated about printing duplicate statements that it takes 40 days is anybodies guess. -
Halifax not responding to Access Request
Lizbrind replied to alumley's topic in Halifax Bank and Bank of Scotland
After speaking to someone at telephone banking last night (40 days is up on our request too) they have apparently been told that the data protection department is unable to meet the 40 day timescale at the moment. What exactly is so complicated about printing duplicate statements that it takes 40 days is anybodies guess. -
Assuming you're using the spreadsheets from here then I believe you can just enter them as you have above. The thread linked from that page has a good set of questions and answers on the spreadsheet along with explanations on how it works - it might cover what you're looking for there. What do you mean by it stops adding on the interest?
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Basmic v Halifax ***SETTLED IN FULL***
Lizbrind replied to basmic's topic in Halifax and IF successes
Just to echo what Jonni has said, we sent two letters a couple of weeks back - one was a prelim and the other was the DPA SAR. Both (as far as Royal Mail tracking is concerned) were never delivered. Despite that we still got a response to the prelim (usual 10% offer) but are still waiting on the DPA request (it's only been just over 2 weeks so it's in keeping with the Halifax's heel dragging techniques). Question is, for the timetable we're working on and the fact that the Halifax put an 8 week period on the acceptance of their partial offers would they still be able to argue they hadn't received the LBA we're sending and believed we were still considering their offer? -
That sorts it. Thanks! This spreadsheet is even smarter than I thought
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It's more a case of how the sheet works when there are multiple charges in the same month. Take the following example: - Charges are extorted on the 3rd, 15th and 25th March. - Interest is applied on 30th April (Halifax). e.g. £6. The spreadsheet will then have 3 lines for the 3 charges and then be claiming the interest back 3 time. i.e £18 interest claimed back rather than the £6 charged. While we can make the argument that the overdraft wouldn't be there if it wasn't for the charges, I suspect we'd struggle to claim it multiple times. For now I'm going to go with only entering the interest figures against the last charge of the month. Or do you think that's the wrong thing to do?
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Hi, I have been using this extremely helpful spreadsheet but had one query on the interest charges calculated using Vamp's enhancements. This thread has answered a few queries I had already, but one outstanding question I have is related to how it handles the interest in a month when charges were levied on multiple days in the month. If the interest figures are entered on each charge then the sheet calculates a refund of interest each time. i.e. Charges on 3 different days equates to counting the interest as owed back 3 times. Am I right in thinking this isn't right and I should just enter the interest figures against the last charge of the month? Thanks!
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