Katie78 Vs Halifax

[katie78]

Thanks to this wonderful site I am going to try and get back my charges. I have read up on the FAQ's and hopefully understand it. I'm just going to go step by step and hopefully will muddle along!!!! Will keep you all posted. I'm going to send off my 1st letter tomorrow (The Data Protection One). Will keep you all posted. I have already opened another account with someone else in case it goes pearshaped!!!!!

 

Katie x

[Michael Browne]

Welcome.

If you follow the guidelines, you won't go wrong. Keep reading and researching the next step so you know what to expect.

 

If you get stuck at any point, just ask.

 

Good luck.

[katie78]

Sent off my Data Protection Letter with £10 cheque so I await statements now.

 

Katie

[katie78]

The cheques have been banked. The money has left my account but still no statements. They have till 7 November 2006. The clock is ticking by!!!!! Katie x

[bearo]

A little phonecall sometimes helps, just a friendly nudge, you dont have to of course, in fact most people here recommend that you have no voie conversations at all and keep it all in writing, but then again if you are inpatient it cant hurt to see whats happening!!

[katie78]

Still no reply from the Halifax for either account. Is this normal? Do they usually wait until their time is nearly up?

 

Thanks

 

Katie

[bearo]

Yep, they do, as I said a phonecall sometimes helps speed it up a little!

[katie78]

Thanks Ollibear I will ring them on Monday and chase it up. Cheeky aren't they.....quick to take the charges and cash the cheque but very slow at sending information to you when you ask!!!!!

 

Thanks

 

Katie

[katie78]

I have contacted Halifax by telephone to chase up my Data Protection Request to be told that they have received one request but not two although they were sent together with two cheques and only one has been cashed. They are adamant that they haven't received it. Do I just send another letter or what? The person I spoke to didn't have much of a clue either.

 

Thanks

 

Katie

[katie78]

Can anyone help with the above. I want to get it sorted ASAP.

 

Cheers

 

Katie

[Springer]

Hi Katy

 

For quickness, I would probably be tempted to send them another letter for the account, with another £10 chq and send it recorded delivery. I would also put on the end of the letter, that you would like some confirmation when this has been received, although you should be able to track it if you send it recorded delivery. The Halifax seem to like all these delaying tactics, so I would just recommend putting everything in writing, always with copies of any previous correspondance you have sent and always send everything recorded or get a certificate of posting which is also free!!. This makes it harder (although not impossible!!) for them to play silly b*ggers!

 

xoxox

[katie78]

Still no word from the Halifax. They cashed one cheque in September so am assuming the statements should be here soon NOT!!!!! Will tell hubby to give them a ring. Other cheque has been sent off (The one they never received!!!)

[katie78]

I was just wondering what I do next. The Halifax actually stamped the cheque on 4th October. They are denying ever receiving it. I have obtained a copy of the cheque from my bank who say it is in Halifax's holding account. Halifax are saying they haven't got it. What do I do. I have made about 15 phone calls all with no joy. The 40 day deadline (from my working out from 4th October) ran out on 11 November and still no word but they have my money.

 

Hope someone can help and advise me what to the next step is.

 

Katie x

[katie78]

Can anyone offer me any advice? Please, please, please.

 

Katie x

[katie78]

I have drafted the following letter to send to the Halifax could someone let me know if it is ok or not!!!!!

 

Thanks

 

You have failed to comply with my Data Protection Act Subject Access Request dated 26 September 2006. I have enclosed a copy of this for your convenience together with a copy of the cheque for the sum of £10 which has been processed and debited from my Natwest bank account. After many phone calls to the Halifax they are still repeatedly saying the cheque has not been received nor has a Data Protection Act Subject Access Request. I would like to ask how the cheque has been processed and debited from my account without you receiving the letter as they were in the same envelope.

 

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.

 

[Michael Browne]

Looks fine to me.

 

 

[katie78]

Well I telephoned the Halifax today again. I got put through to a Business Centre in West Kent who said they will send an email to another department. I told them that this was not good enough and that someone was meant to ring me today which as of yet they hadn't done. I told the lady I was going to report Halifax to the Data Protection People for not complying. She then said hold the line........she spoke to her colleague in another call centre and low and behold my statements have been ordered back to October 1999. They will be here within 10 days. Well lets wait and see.

 

Katie x

[katie78]

Right well I have one lot of statements for one account which came today. Do I just add up all the charges and put in that amount. Not really sure how to do it. Do I need to use the spreadsheet or not? Sorry to sound docile but I can't make head nor tail of it!!!!!! Do I add the interest on as well or not????

 

Thanks

 

Katie

[Michael Browne]

Use the Simple S/S here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

 

Overwrite the existing examples type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

Save it (for use later at court), then delete/hide the last 2 columns (8% bits and print out as your schedule of charges.

[katie78]

Thanks for replying again Michael. I feel like I'm getting there now. Just worked out the charges and they come to £1601. Definitely going to chase them now. Sorry forgot to ask do I add the interest on now although I don't have any overdraft charges. Is it routinely added on to anything I claim????

 

Katie

[katie78]

Could someone please let me know if I should automatically add the interest as I am not sure. I have never had an overdraft so is the interest for overdraft charges???? I really want to send them the preliminary letter tomorrow so a reply would be much appreciated.

 

Thanks a lot

 

Katie

[katie78]

Please, please, please can someone tell me if I add the interest now when I am sending the preliminary letter with the total on or not. I need to send the letter but don't want to incase I am wrong and the whole thing goes pear-shaped.

 

Thanks very much, sorry to keep asking silly questions.

 

Katie

[mo]

when i sent my letter i just sent a schedule of charges,date and ammount,not interest

[katie78]

Thanks Mo. That's what I have printed off. Will post it tomorrow.

 

Thanks again for replying.

 

Katie

[talk2megoose]

I'm just going through the info and getting prepared to send my letter regarding the DPA requirements. i have a great deal of experience in matters surounding the DPA and Its a good idea to get advice from the Office of the Imformation Commissioner. They're usually very helpful and like to hear about breaches of the Act. They will normally pick up the case pretty quiickly when one of the big boys tries to play dirty and they are taking action against Banks and public authorities on a daily basis. It's good to see you are finally getting somewhere but if you want to dig them in the ribs a little more, report the case to the ICO on 01625 545745. The more times they get brought to justice over thes matters the less likely they are to delay things in the future.

 

best of luck

 

t2mg