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About smactaff55

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  1. Hi all. Update of present position. 1) Ack of complaint rec'd from DCA. Usual 4 weeks to look into and reply 2) Ack from ICO. Being considered by a member of Customer Service Team for response and next steps. No timescale given. 3) Usual and expected reply from the GUTLESS, SPINELESS, UNHELPFUL OFT " We have noted the complaint and will consider this alongside any other complaints with a vew to etc. If we do decide to take action etc" IMHO they appear to be condoning this SERIOUS BREACH of DPA. How many complaints do they have to receive before any action will be taken? I am sending
  2. Rev & Rhos Thanks both for your quick replies and input Will proceed on both your suggestions S55
  3. Hi I've sent a recorded letter to Halifax re their unlawful recission of agreement over a week ago but still showing on Royal Mail as in delivery system. I want to fax Halifax a copy of this letter but cannot find a Fax number for their collections dept on their letterheads nor on Google. Phoning their o845 number won't let you proceed unless you key in your 16 digit card number and for obvious reasons I do not wish to speak to them. Have any of you fellow Caggers got a fax number for their retail collections? Cheers S55
  4. Thanks once again C As and when things develop I'll update this thread S-55
  5. Hi ODC- Thanks for input. Letter to MP winging it's way!! I did do a 192.com check yesterday and it's surprising how many people in the country have the same christian & surnames. It did cross my mind how many other "me's" have had a letter!! Well, all my letters have now gone and now await replies etc. Quick query. If I am successful in getting compensation can Westcot legally give this to Halifax? S-55
  6. Pinky, PGH & Cerberusalert. Many, many thanks for your valued opinions & observations. They are greatly appreciated and I cannot emphasise enough what a fabulous site this is for help, assistance etc. I find myself much more comfortable and able to cope with my current situation thanks to this site. I will now set the wheels in motion re complaints etc. Should I also copy in Trading Standards & Halifax's Data Controller as I believe Wescot are part of Halifax? SS
  7. Morning all Attached is a letter my son received from Westcot re my Halifax Credit Card. He lives in a different part of the country and has the same first name as myself. The account has been defaulted and terminated on an invalid DN but this is something else I'm dealing with. My concern on Wescot's breach is that as can be seen on their letter they state his address has been provided by Experian as a possible forwarding address for me!! Now, I subscribe monthly to Experian and regularly check my report on line. On my report with Experian there are no linked addresses for me whatsoever a
  8. Bump Am bunping as would really appreciate any help/observations for my next steps. Incidentally, Credite's letters are dated 2/3/2010 SS
  9. Hi all. Further developments and correspondence. My previous posts in this thread referred to MBNA registering Defaults with CRA's based on Notices of Default as opposed to DN's and I had not received any DN's. These show on my Credit Files as defaulting on 30/1/2010 and updated 31/1/2010. Both defaults registered 1 day early to the end of the month as stated in their letter re Notice of Default. I subsequently received 2 DN's dated 8-2-2010 and received on 12/2/2010 giving me to the 25/2/2010. Both envelopes I've kept and are marked UK mail so posted 2nd class. IMHO both DN's are inval
  10. Hi Just reposting this to see if anybody has any observations etc S55
  11. Hiya Boo Thanks for reply. DN & Termination notices attached Have you had time to look at my other posts in this thread re T & C's etc? Crap1 DN Page 1.doc Crap1 DN Page 2.doc Crap1 Termination Letter.doc
  12. Whoops forgot this observation. In section 11 of T & C's on page 2 they are referring to DAta Protection Acts of 1984 & 1998. The 1998 Act did not come into force until 1/3/2000 a good few months after my application.
  13. Part 2!! Quite a few observations and would appreciate any fellow Cggers' views/opinions. 1) In Crap1's letter they refer to an agreement date that is 19 days after I signed the application form in 1999 2) What they have sent is a shortened appl form as a CCA and scanned a copy of my sig from original agreement onto this. If, they have the original why haven't they sent a copy of this to me? Is it because of the Manchester case or they haven't got an enforceable agreement? The bottom of this scan does refer to T & C's overleaf but not to any PT'S 3) They have sent me questionable T
  14. Hi all Have been chasing Crap1 for a number of months for CCA and have put account in dispute. They have also defaulted me on CRA's with an invalid DN and issued a Termination letter after the DN. There are a few pages so attaching these over 2 posts. Crap1 Reply CCA Page 1.RTF Crap1 Reply CCA Page 2.RTF Crap1 Reply CCA Page 3.RTF Crap1 CCA Reply to S78.doc
  15. Hi Roie Ex mortgage Broker here and ex employee of major High Street lender I have read your thread and position with interest and would make the following observations; 1) I would suggest as has Pedross that you seek advice from an Independent Mortgage Broker. They are able to source the Whole of Market and I would be confident that they will be able to find you a Mortgage Lender. If it's a sub prime lender, rates will be possibly higher and maximum loan reduced. Ensure the Broker does not charge for the initial visit. They will do a full factfind on you and then source their systems fo
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