On the 30/12 I received a letter from Halifax head office returning my £5.00 cheque and requesting that I send the correct fee of £10.00.

After my night shift on Monday I telephoned and left a message and they were supposed to return the call today. Surprise they didn't.

I have 2 accounts with the halifax, a cardcash basic account and a current account.

I sent off SAR on 18/12. I received a letter back re one account the next day stating that I had omitted to include the £10 fee and they only charged £5. I sent the correct fee the next day.

A few days later I received a letter relating to the other account that they were waiving the SAR fee due to 'the circumstances' (cheers!)

Please could s.o help? On my statements it advises that interest rates are 1.5976% on retail and cah how would this translate to put in my compounded contractual interest rate spreadsheet. Sorry maths was never my forte.

I sent off my S.A.R - (Subject Access Request) on 18/12 and received a letter the next day from the branch advising that I'd omitted the cheque, and they were only charging £5.00. This was duly returned.

Today I have received a letter from Halifax returning the cheque and requesting £10.00.

Unfortunately I have mislaid the original letter. I think I should just stump up rather than split hairs for £5, but its the principle.

Yes but the person would have to be aware and in agreement. Otherwise anyone could set one up and they would be open to abuse.

A power of attorney is usually commenced at the request of the individual who is likely to become incapacitated and unable to deal with their financial affairs. Eg. A person with a deteriorating condition such as dementia type illness.

The POA then controls all affairs and this requires a signature and application. Even if RBOS were holding POA I would have known something about it.

Bump!

I recently received confirmation of a telephone conversation with Capquest DCA confirming direct debit payments.

At the beginning of the letter it was clearly marked Power of Attorney:Royal Bank of Scotland Plc.

As I have never applied for any form of power of attorney or seen a solicitor/signed any such papers then this is surely a gross misrepresentation. Who would I seek redress from? Would I be right in thinking I needed to advise the Information Commissioner as data Capquest has is clearly wrong. Do I just complain directly to Capquest?

Is this a normal scaremongering technique they use. Today I also received a letter threatening court action as I had not honoured this months dd payment (cancelled due to disputing the account and a cca has been sent to them), and they had added £150 extra in "solicitors" fees. They have their own in house litigation team. Would I be within my rights to report them due to these techniques. Who is responsible for governance of their credit licence.

I recently received confirmation of a telephone conversation with Capquest DCA confirming direct debit payments.

At the beginning of the letter it was clearly marked Power of Attorney:Royal Bank of Scotland Plc.

As I have never applied for any form of power of attorney or seen a solicitor/signed any such papers then this is surely a gross misrepresentation. Who would I seek redress from? Would I be right in thinking I needed to advise the Information Commissioner as data Capquest has is clearly wrong. Do I just complain directly to Capquest?

Is this a normal scaremongering technique they use. Today I also received a letter threatening court action as I had not honoured this months dd payment (cancelled due to disputing the account and a cca has been sent to them), and they had added £150 extra in "solicitors" fees. They have their own in house litigation team. Would I be within my rights to report them due to these techniques. Who is responsible for governance of the credit licence.

Thanks. Time for me to turn in..night night!

Stansfield would you summise by that that RBS took on Power of Attorney. I thought that POA was something that was done with the individuals full knowledge and required a signature.

Would I complain to RBS or take it outside of the company and to a regulatory body.

Yes at the head of a letter confirming payment arrangements which were made by telephone it clearly states in bold type Power of Attorney:Royal Bank of Scotland plc

I stopped using the account in 2002 when I became ill. It was about £1,000 o/d and Capquest is the DCA who know has 'power of attorney'. I do not know what the present balance is but I was paying them £88 per month until this month when I cancelled and sent off a CCA letter.

Although I would have thought if there was a power of attorney judgement then all my financial dealings would be in the grubby mits of Capquest

I have not used my account for a number of years and assumed it was closed before being passed on to a DCA. Am I still able to claim back my charges eventhough the bank account is 'old'

Well done! See it was all worth it.

Cheers Chorlton!

Of course they are obliged to refund the charges that they applied. In addition send a SAR to the DCA as you may finfd that they have also added extra charges. They would be 2 seperate claims eventhough they relate to the same account.

Good luck

So would I be better filling the contractual interest and am I right in this being added in the LBA and not the preliminary. Or as MBNA appear to be good at returning charges the 8% from the outset in the preliminary request.

I have recently sent a CCA to Capquest who are collecting an overdraft debt on behalf of RBS. However the O/D is a result of the charges that RBS continued to add whilst I was unwell and the account has not been operational for 4 years.

If Capquest can't supply a CCA then is the 'debt' unenforceable and can I claim back what I have already paid

I have just sent a SAR to MBNA. I have found a few old ststemtns, when I receive the rest and am totalling the charges do I just put in all charges and not the interest charge on the statement ie

3 Aug 2002 letter charge 5.00

3 Aug 2002 overlimit fee 20.00

3 Aug 2002 late charges 20.00

19 Aug 2002 interest charged 63.73

Would I put all those on my prelimimnary approach letter or leave out the interest and add it if I fill a MCOL

Thanks in advance

Merry Christmas everyone!

In 2002 I had a period of ill health and got into arrears with my abbey national mortgage. I am sure that I had payment protection but due to my health state I neither pursued a claim or contacted Abbey to initiate a claim or make them aware of the situation.

My house was inevitably repossessed(no doubt this would have been avoided if I had advised them of the situation). I received a cheque after the reposession as the house raised more than the mortgage.

Obviously around that time I would have incurred hefty penalty charges, could I know claim these back?

Additionally would I have a case regarding the repossession as I was protected against illness? Should I complain to them directly?

In total I was away from work for 28 months.

Last year I payed 2 bailiffs for CC tickets. Don't know what they were originally. Would I have any luck in attempting to claim back the excessive charges from the bailiffs

I am currently paying to 3 seperate DCA on a monthly basis

Debt Managers

Capquest Investments

Debt Managers

Prior to sending the CCA letter should I cancel these payments from herein

thanks in advance

Anyone had any luck with this DCA. I pay them monthly by DD and I don't even know what for

Thanks GG you're my knight in shining armour or lady!!

I have just drafted a CCA letter, so the 12 working days will take me well into the new year