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Everything posted by give_me_it_back

  1. Their job description must make very interesting reading then.
  2. He might need some help with the long words, noomill...
  3. I was pretty disappointed with Martin's report on the Tonight programme. I felt he didn't give particularly good advice. Also, not at all useful advice if you live in Scotland - the whole programme was only based on English law. However, it was nice to be able to put some faces to my favourite names on the board! Keep up the excellent work all!
  4. Oh dear, "LOVERBOY" (!?) are you a friend of "pays the bills"..? Apparently you say you are a "law student"... Oh dear... maybe, when you grow up, you might even get to work for one of the bank's infamous solicitor teams? The first rule you should learn as a 'law student' is to listen... Original Quote: "I have been receiving calls from this lot for ages. All they do is say. "Hi. Please call back on.." They never ask for me by name. I am NOT in debt! I plucked up courage to call back tonight. They have no idea who I am. They have no detail under my name or address... They CAN'T tell me why they keep calling! My number is ex directory. They are less than helpful! All they suggest is that I "ignore the phone calls!" End of Original Quote. Let me spell that out again - for the hard of thinking... I AM NOT IN DEBT. Perhaps if you don't 'make it' in law, you could always go and 'work' for a debt collection agency..? They take anyone.
  5. I think there would be a huge public uprising.
  6. Thanks Priority One. No, still nothing from the DCA. I do suspect they will be in touch soon though. Halifax do not ever ask me for any money - that request has always come from CIS. When the Halifax originally replied to my DPA request, they enclosed a computer produced report showing the mortgage application details, a copy of the information held by the Property unity and a copy of the information held by CIS. But they then said 'the account was not sold to anyone' - I am therefore confused as to the CIS involvement... I think you are right - Ineed to write AGAIN and point out AGAIN what information they are still missing. Thanks very much!
  7. NCO - ringing me with a husky 'devil' whisper which means you can't make out a word, so ring 14713 to see who it was - giving all your details when they ask who you are! Doesn't seem to matter that they have the wrong person and can't find me in their systems. They still give me the occassional - slightly disturbing - call! Also, Halifax collectors Counselling Intermediary Services (CIS). They don't send the information I ask for and am entitled to and keep sending me forms to complete my income and expenditure on - despite not having the right to ask for this information. Before I found this site, I did offer them an amount (what I could afford) and they refused - saying it wasn't enough.
  8. Ok.. Have now heard back from Halifax. I can't say it was worth the wait! All they have sent is the following letter: "Please find enclosed a completion statement and notes on completion statement for your information. You have been supplied with all our case notes as part of the DSAR request." The completion statement is a one page sheet giving details on: Total advance 42,750 Additional lending (including interest) 15,800 Interest from 1988 to 1992 27,249.75 Estate agents/auction costs 1,324.81 valuation fees 65.00 internal fees (yeah right! Only 40.00 though) ground rent/service charges 2,246.35 property maintenance (?!) 111.63 other costs of realisation (?!) 871.62 Property sale proceeds 33,500 surrender value proceeds 1,771 AMS proceeds received (?) 8,872.16 payments received 16,675.04 Final loss 29,641.06 That is it. Nothing else. They have ignored all my other requests for information. Where do I go from here? They are not listening to me. Why? Am I asking for something I am not entitled to? Thanks very much for any help.
  9. Think I may have answered my own question: Urban Legends Reference Pages: Hotel Key Identity Theft
  10. Hi all. I received this email. Can anyone clarify if this is the case, and, also, if it is true, I assume it is against DPA? Ever wonder what is on your hotel magnetic key card? Answer: a. Customer's name b. Customer's partial home address c. Hotel room number d. Check-in date and out dates e. Customer's credit card number and expiration date! When you turn them in to the front desk your personal information is there for any employee to access by simply scanning the card in the hotel scanner. An employee can take a hand full of cards home and using a scanning device, access the information onto a laptop computer and go shopping at your expense. Simply put, hotels do not erase the information on these cards until an employee re-issues the card to the next hotel guest. At that time, the new guest's information is electronically "overwritten" on the card and the previous guest's information is erased in the overwriting process. But until the card is rewritten for the next guest, it usually is kept in a drawer at the front desk with YOUR INFORMATION ON IT! Recommendations; Keep the cards, take them home with you, or destroy them. NEVER leave them behind in the room or room wastebasket, and NEVER turn them in to the front desk when you check out of a room. They will not charge you for the card (it's illegal - in UK) and you'll be sure you are not leaving a lot of valuable personal information on it that could be easily lifted off with any simple scanning device card reader. For the same reason, if you arrive at the airport and discover you still have the card key in your pocket, do not toss it in an airport trash basket. Take it home and destroy it by cutting it up, especially through the electronic information strip! You can also use a small magnet and pass it across the magnetic strip several times. Then try it in the door, if it does not work it erases everything on the card.
  11. Thanks.. that is VERY interesting... I have NEVER given my authority. I will keep you posted on the response...
  12. Thanks PriorityOne, and I hope work isn't too draining tomorrow... It will be interesting to see, as you say. However, Halifax have admitted that CIS are their 'collecting agents'. Tell me... what is the difference..?
  13. Thanks PriorityOne. I hope the Lemsip is working! I heard from the DCA, asking what information I was still waiting for from the Halifax. I have sent this letter: As I stated in my last letter, the Halifax have still not provided me with all the relevant information. They also failed under the DPA to provide any information within the 40 day deadline. It is within my rights to report them to the Information Commissioner. I still require the following from the Halifax: • I asked to receive all statements, including the completion statement, and a complete list of charges that were applied to this account. The Halifax say that they do not have to provide me with statements as the account has been closed for more than 6 years. This is incorrect. I am entitled to receive details of my entire banking history. They have failed. • Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of their staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If they are unable to supply this data because there has been no such manual intervention, they need to confirm this in their response. • In the letter, they confirm that the account was not sold. Since this is the case, I can only assume that you have no authority to collect. They also say that all letters were sent to my forwarding address. The address they have on file is correct, yet I did not receive any correspondence from them. I am entitled to copies of all these letters • I was never issued with a default notice. They need to provide this. • I was also never informed of the sale. They need to provide this also. • It is also my legal right to see proof of the repossession (in my name) and also the shortfall. In addition, I do not acknowledge any debt to your company. You have still failed to provide me with the information I requested. Under my S.A.R - (Subject Access Request), I am entitled to receive all data that your company holds on my accounts. Until I receive a Deed of Assignment or any other legal document that gives you the legal right to pursue an alleged debt, no payments will be forthcoming. A standard "letter of authority" does not represent a legal document. To date, as you have also failed to comply with my statutory request for a true, signed copy of any legal agreement, any further attempts by your company to enforce an alleged agreement will be reported to Trading Standards and the OFT, unless such a document is produced. Please do not wrote to me again unless enclosing all the information to which I am entitled. Until I receive all this information, the account is in dispute and all interest must be frozen.
  14. Thank you SO much Priority One! AND you have 'flu! You're a little pocket rocket!! Just one thing.,.. I am based in Scotland - does this make a difference to quoting the English Common Law? I will do nothing until I hear from either the Halifax or CIS now, but, when I do, I will be ready with the ammo!
  15. Thanks very much. Very much appreciated. Also, in addition to my questions asked on my thread, the information sent by the Halifax is really difficult to understand. It's just a list - which makes no sense to me at all. This appears to go against the ruling given by OFT that information must be clear and not take advantage of the fact that debtors do not understand the 'lingo'.
  16. Thanks all. I have been advised to come looking for help on this board as some of you may have similar situations. My original thread is here: http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/34039-dca-old-mortgage-debt.html and I would REALLY appreciate some help.. Thanks!
  17. Can I please have some feedback on the above... It is really causing me stress, and I really WOULD appreciate some dialogue... Thanks The questions are: Is Halifax correct in saying they do not have to provide me with statements as the account has been closed for more than 6 years? Are they under no statotory obligation to provide information on manual intervention? Do they not have to confirm if it DIDN'T take place? Am I right in believing the following: I am entitled to a completion statement. I am entitled to copies of all the letters they SAY they sent to me? I am entitled to see the default notice - as I was NOT issued with one. I was never informed of the sale of my house - I am surely entitled to see proof of this also. I am also entitled to see proof of repossession in my name and the shortfall. Until I receive all this information, I should not make payments?
  18. "Ebay You" indeed!!! Another name to add to their made-up list!
  19. Apparently they're just trying to make "an honest buck"!!!
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