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halidebt

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  1. Hi, Sorry for taking so long to get back. I'll post the full particulars of claim after this. In the meantime: HELP! Despite filing a case against them for the full credit card bill amount, they've now started sending me postcards saying: "Our representative will be calling your home on: 20th Novemeber" What are they doing? I'm getting a bit scared by this. Thanks, Halidebt
  2. Hi jonni2bad, I have PM-ed them to you. Halidebt
  3. OK. Things have been a little busy since I was last on here. Halifax tried to get me to sign a 'full and final settlement' for a paltry amount(£200). They have responded to the Information Commissioner's letter saying they have sent the DPA documents to me - they haven't - so I think they're lying to the IC. Got fed up with Halifax's nonsense so I issued an N1 claim form through the county court earlier this month. Served on 11th October. This may be of interest to people as it was to get current account charges back, credit card charges wiped and for Halifax's breach of the DPA. The monetary bit £835 (including section 69) Three days later...intention to defend. So far everything as normal. Then on Friday (20th Oct) letter from Halifax: "Thank you for confirming your acceptance of our offer of £855.02. I am pleased to enclosea cheque for this amount in full & final settlement of your complaint" WHAT? There's a cheque, but I haven't agreed anything. They hadn't even offered this amount before. I don't even know where they've got this figure from. So I'm not sure what to do, or what happens next. They've got 28 days from 11/10 to file defence - that's 8th Novemeber. Then I presume we get a court date. Since they haven;t wiped the CC 'bill' or complied with the DPA I'm intending to let it trundle on till we go to court. Any thoughts? Cheers, Halidebt
  4. OK. Sent a letter stating I formally dispute the 'debt.' Also included an LBA asking for the money they owe me back. That runs out on Friday. Now going to get my court stuff ready! Halidebt
  5. If I formally dispute a debt, can they sell it to a debt collection agency? This is the £1600 I 'owe' Halifax Card Services. I've worked out that when you take off charges they actually owe me a little bit. But now I'm threatening them with court, what's to stop they selling it to an aggressive agency? I've heard there might be a law that prevents this if the debt is disputed. Is this true? Thanks for the help, Halidebt.
  6. So the 7 days expired with nothing from the Halifax. Has anyone else had this problem - what did they do, what were their excuses? I now have to take them to County Court when I find the time - even though I threatened to do this as soon as the deadline ran out I have too many other things to do for the next couple of weeks. Will this be a problem? Thanks, Halidebt
  7. Hi all, Having a few probs with my Halifax Credit Card. Data Protection Act request for statements sent 27th June (incl £10 cheque) Acknowledgement received 13th July Cheque cashed 17th July 40 day limit expired with no sign of statements 6th August. I sent a complaint form to the Information Commissioner's office on the 8th and the standard LBA to Halifax on the 9th by recorded delivery. It was received on the 10th of August. Since I gave them 7 days, that expires tomorrow - but I haven't heard anything. Can anyone give me any advice? Should I ring them or proceed with court action? Also, is the £30 for court action recoverable from Halifax? Thanks for all your help, Halidebt.
  8. No, I mean I've written a spreadsheet for other people to use to calculate their credit card balances with charges removed.
  9. Done it!!! Now I just need to know what to do with it... ...doesn't seem to be an attach button here. Can anyone help? How do I post/upload spreadsheets?
  10. yep, same thing with me. sent the dpa non-compliance lba by recorded delivery today
  11. I'm not entirely sure but I think you can - I'm hoping to do the same thing. I've sent DPA requests for info on somebody else's account, including a letter of authorisation from that person with the request so I think there is a mechanism
  12. Hi all, I've made a spreadsheet to recalculate credit card statements as they would be without charges - this has an important impact on the interest charged. How do I post a file? Halidebt.
  13. DPA request sent 27th June Request acknowledged 13th July £10 cheque cashed by Halifax 17th July The 40 days ran out on Sunday - no statements have arrived! I have complained to the information commissioner. I have also sent the following letter before action to Halifax: ------------------------------------------------------ LETTER BEFORE ACTION Section 7 – Data Protection Act 1998 Dear Sir/Madam ACCOUNT NUMBER: 4556 4730 0153 6902 You have failed to comply with my Data Protection Act Subject Access Request dated 27th June 2006. If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice. For your information, I received acknowledgement of my request from [name of employee] of the Business Risk – Retail department in a letter dated 13th July. However, the requested statements have not been delivered. The 40 day period for compliance with my Request expired on 6th August. I have also lodged a complaint with the Information Commissioner’s Office. Yours faithfully, [Halidebt] ------------------------------------------------------ Should get their attention!
  14. Hi there, Nearly done! On a beta version now, needs testing and instructions writing. How do I post spreadsheets?
  15. Hi there, I have a problem with my credit rating as I've been defaulted by HSBC. I'm hoping to be able to remove the default notice but I'm not sure they've done anything wrong. I'll start by saying that they haven't levied any illegal charges, and (relatively speaking!) they have been pretty decent about it. I had a student account with an interest-free overdraft (how they suck you in...) which I maxed out - my balance was £1247D and the limit £1250. Then I stopped being a student and it became very much interest inclusive. In June 2005 they tried to take an interest payment of £14 which would have taken me over my limit. I hadn't been paying anything in for quite some time. My account was immediately passed to their debt collectors (Metropolitan) before heading over to CDEA with whom I eventually settled. The amount that I paid was the £1247 which I'd run up on the overdraft - they didn't include the £14 interest and they didn't levy any charges. According to my Experian credit rating I was defaulted on the 21st of June 05 - immediately after they tried to deduct the £14, which I think is very quick. However, I don't think I received a default notice. I certainly can't find one now and don't remember getting one. So the question is: do I have a case for having the default notice removed? I've recently been turned down for a credit card, which I'm not particularly bothered about, but I'll be looking for a mortgage soon so it could be quite serious. Thanks, Halidebt.
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