Hi Pinny A few things.... Did you put the x in the PPI box as from this copy it looks like it was typed - if so you didnt have a choice but to take PPI. That might be an avenue for you..... Only a suggestion. (ref Part 1 on your list above) Also this is only an application not an agreement which (clever) DSA team @ halifax send out but not your actual agreement. I got the same the other day but I was lucky as not to have anything in the PPI box but still I got PPI insurance!!! I would wait to see what the CCA brings up before you do anything else with this part. (Ref Part 3 on your list above) Also i would treat it as 3 separate parts and thus 3 complaints. This means 1. the Halifax have to do more work 2. If one area of your negotiations fail initially you can still keep the other parts moving and 3. when it come to going to court (if you have to take it that far) you can lump it all back as one anyway. In regards to your charges Im still investigating that myself so wouldnt be best to answer!

Thanks for the reply. They have sent me mainly: *Info on what Blair, Oliver and Scott have on me. *Info on what is held on the St Andrews group System (PPI Insurance) *Info on what is held by Card Services (this is the info with letter codes etc) including application form and copy of card statements. *Info from Retail Collections Spoken with Data Protection Team and the L5001 is not a default Letter so in essence there is no record of a default as I knew! Sending off a letter to them now with the good news (for me). ADVICE NEEDED THOUGH: So if I am right as they have'nt default the account correctly (although registered it as closed with credit agencies) they cant ask me for the full balance only the arrears at the time it was closed and then they must remove the default? Is that correct??? I know it is going to be a battle but I am ready!! Plus as a stoke of luck looking through it all my application form, I had not got the PPI box ticked, yet they had added the PPI to my account for 3 years from when it was opened until I cancelled and I never thought anything of it...... What a bit of luck!!! Worth doing a SARS request me feels.

Hi All Finally got my SARS request (outside of 40 days but whats new!!!) Looking through nothing makes sense about a default notice (maybe as I know one was never sent) but does anyone know the code for a default notice????? L9XXX The only letter I got was a L5001 and even that has not been explained on the SARS request (I am sure this is not a default letter code but need to check BEFORE i ring them) - dont want the wriggling out of it!!! PLEASE PLEASE HELP IF YOU CAN!!!!!

Hi All Advice needed quickly!!! Following a severe illness with my dad I wrote a letter on his behalf to the Nationwide asking them to add me to his account but I did not sign it mainly as he couldnt on the day.... Just by stroke of luck I received a reply asking him to sign a new letter as the records have identified that the original signature cannot be located. Is this good enough grounds to send the account into dispute. Should I SARS them first or CCA or just based on this letter shall I send it to dispute? Help urgently required! Cheers for any advice!!!

Hi All Been quiet as beavering away sending letters! So the 40 days are nearly up from my SARS request and got a letter from the DCA lot at Halifax to say basically they will be processing it in due course. Funny thing is that it has taken over 5 weeks for them to reply and when I queried this they said well they might not get it to me within the 40 days!?!?!?!?!!?!? (I thought they had to)...... My question is what do I do now. In regards to the idiots at Blair, Oliver and Scott sent THEM a letter saying I want my telephone number off the system and that I wont accept Doorstop calls and get a response from the HALIFAX CUSTOMER SERVICES! (Yes I know its the same company but they say they act separately!!) Following that I call Blair, Oliver and Scott to see why they are calling and they have no details of the letter - looks like the Halifax have not sent it on. Is there anything I can do about this? Neither are keeping accurate records at the moment (hopefully to my favour). I have another 5 days basically to go before the 40 days is up for my SARS request and just wondering what I can do to stall them or where I go from here....

Hi all quick question is it any quicker to ask for the credit agreement as well (CCA request) whilst you are asking for the SAR request - the reason being I cant keep them hanging on with out putting the account into dispute or in both cases do they still have 40 days to reply, cheers for any help!

Hi all Quick question when you do a SAR is it per company or per account? I.e if you have 2 accounts would that be 2 x £10 charges or just one?

Brilliant - thanks for all your informative information - really starting to get my head around all this legal red tape now.

Love it!!! Reading this with great interest - why dont they (Halifax and co) admit they got it wrong.....

Hi Sam Blair, Oliver and Scott are the DCA (the inhouse Halifax DCA I believe) - they have been very good about it all but equally as they think I will paying it all up within a few days. Not going to happen as I get more educated on the subject..... Will start a SAR's request rolling and see what happens Cheers for help Wheety.

Hi it was for a credit card - basically went into arrears and next thing the balance has gone to debt collectors with demand for full balance. Asked what options are and said only full balance can be cleared not arrears and default has been issued by Halifax. There was no default issued even though the debt collectors says they must have been for it to be issued to them. As I say I am not bothered about paying but bothered about the default being registered. How can i stop this progressing? Please help! Cheers Wheety

hi all Please dont shoot me for asking what is probably a dumb question, but new to the forum and after a bit of advice. I have had a default registered with me from Halifax of which I know that i was not given a default notice. I have got the money to pay the account off I am more interested in the default being removed than anything else. I have read other forums on this site and slightly confused on my first steps. i have so far asked for a copy of the Halifax complaints procedure in writing. do I know ask for a SAR's request or just a copy of my signed credit agreement or both? Sorry it sounds dumb just not sure which road to take! Cheers