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Puncture.UK vs. A bunch of Halifax (b)ankers


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Hi All,

I'm full of rage at the moment from receiving a £30 fine for going £1.12 over my agreed limit. I'm actually pressing my keyboard keys quite hard in anger. Anyway, I'm well pleased to hear about this site and I am due to send my Data Protection letter first thing tomorrow by recorded post.

I'll keep you all informed of my progress (or maybe lack of it) as it happens.

Finally, good luck to anyone else battling the banks at the moment.

 

Power to the people

 

Sam a.k.a 'Puncture'

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Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! :)

 

Apologies for the slowness of the site today - recent publicity has made us very popular!

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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  • 5 weeks later...

Right,

 

I sent the letter off concerning the data protection SAR a week or so ago and have only just received a reply...

 

"Thank you for your letter equesting specific information on your acount with us. I can confirm that copies of duplicate statements have been ordered and will be sent under a seperate cover.

With regards to your request for information relating to manual intervention on your account, HBOS plc is under no statutory obligation to record this information and therefore, I am unable to assist you further with your request"

yaddayaddayadda... {links to websires} etc

 

Now, does this sound correct for a response off them?

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Right,

 

I sent the letter off concerning the data protection S.A.R - (Subject Access Request) a week or so ago and have only just received a reply...

 

"Thank you for your letter equesting specific information on your acount with us. I can confirm that copies of duplicate statements have been ordered and will be sent under a seperate cover.

With regards to your request for information relating to manual intervention on your account, HBOS plc is under no statutory obligation to record this information and therefore, I am unable to assist you further with your request"

yaddayaddayadda... {links to websires} etc

 

Now, does this sound correct for a response off them?

 

Standard response - nothing to worry about, and hugely in your favour if your case should end up in court, since you have it in writing that they refuse to give you any information in relation to manual interventions.

Halifax (current a/c)- £3705.00

04/09/06 - S.A.R - (Subject Access Request) sent - lost by P.O.

20/09/06 - Prelim letter sent (special delivery)

30/09/06 - Reply to Prelim; Received statements

04/10/06 - LBA sent (special delivery)

14/10/06 - Offer received - £962 (err..no)

17/10/06 - MCOL issued: £3705 + £777.11 interest

19/10/06 - Moneyclaim acknowledged w/intent to defend

28/10/06 - SETTLED IN FULL!!

To be continued: Capital One(charges); Citi/Associates(charges); GMAC(ERC); GEMoney(charges); TMG(charges)

 

 

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Thank you very much for the quick response. It does worry me a little when they start to mention what they are / are not obliged to do. Now, this is going make me sound really daft but what on earth is 'manual intervention' anyway?

 

Cheers, Sam

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Manual intervention is when your claim is manually handled by a Human.

 

Rather than your charges being applied by an automated procedure an employee of the the halifax must have pulled your file applied the charges and sent you the letter.

 

This would be manual intervention and implies extra costs to the halifax.

Halifax - £2500

Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.

NatWest - Contactual Interest - Won:p

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