just got home from having a puncture on my mobility scooter lol, and came home to find that Vanqis are having a bop now ffs lol.... i sent in all required information to them recorded delivery ( i have proof of delivery and signature) disputed the excessive charges currently (£400)+ i do have repayment option plan and they have now said they will respond to my complaints for refund within 56 days, so using this snippet of info if i now get a DCA write to me i wait 56 days or near enough to reply

Greetings all. I had a Halifax account which had an overdraft facility of £1,000. I decided that after they were not considering my circumstances very fairly, that I would force them to accept a repayment arrangement and close the account. I stopped paying all money into and out of the account and made preparations to send in a SAR Request. As I believe they have levied some unenforceable charges on my account over the years. There are also occasions where they have caused me considerable inconvenience and charged me on about 4 occasions for Unauthorized Overdraft Fees when it was their own charges that put the account into such a state in the first place. I feel that is particularly vindictive. time pasted and I got sidelined by other things and my ongoing health conditions took up considerably more of my time. Until yesterday when a letter from Moorcr@p fell on the door. It was one of those phishing letters where they are trying to trace the debtor in question. Interestingly the letter made reference to "The above listed account has an outstanding balance" Yet all it says is "Halifax" I phoned them up purely just to have a slight laugh at their expense. Before you jump on me about phoning a DCA I recorded the call. Interesting admissions were made which were: Breached Data Protection - They requested my postcode and I gave them an incorrect one; they proceeded with the call. Requested my phone number and email address - I refused to give them When I refused email and phone details I was told it was for my benefit for data protection! (BLATANT LIE as he proceeded with the call) They told me that Halifax would not deal with me directly anymore When mentioning the Office of Fair Trading I was told Halifax would not deal with me and that everything was above board The agent gave me the full Sort Code and Account Number despite me suggesting I might not be involved in the matter obviously I think I need to make a complaint about Moorcroft on a few of those points. If I send the SAR to Halifax, can I as usual ignore the Moorcroft children and wait for toys to be thrown out of prams? now is time to take the bull and horns method. Advice please caggers?! I plan to put a few more threads up over the next few days on other subjects and will be making a donation once things are all squared away. This forum has taught me so much and I feel it's only right to put something back into the kitty!