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    • It is an interesting Final Notice. Firstly because there is usually a reminder Notice before the final Notice. Secondly because it contains some of the wording that should be in the original PCN [aka Notice to keeper]. It could be that the necessary wording in the NTK is missing so they put it in the Reminder Notice to cover their error. If they have it hasn't worked. But the only wat we will know if you post up the back page of the Notice to keeper along with the other details asked for on Post 8 .  If they have got it wrong it means that they are unable to transfer the liability to pay the PCN from the driver to the keeper . I take it that you are the keeper and not the hirer? And do you know how long you are supposed to stay in that car park? In the past I have found Sainsbury's pretty good at cancelling PCNs for their customers. Take both PCNs in to the store and point out if you are a regular customer and that the driver spent a lot of money in their store and see if they could please do something with the ticket for you. if the manager can't help, then come back and we will give you their Head office and write to them. It is the easiest and quickest way to get the ticket cancelled. No point in appealing since that would mean they lose the chance to make any money out of you which is their whole reason for running the car park. If you cannot get Sainsbury to cancel then we rely on ECP getting things wrong so that you don't have to pay  on a technicality or technicalities. For example if the PCN does not comply with the Act and the keeper is not then liable it makes it difficult for ECP to win should it go to court as so many people are legally able to drive your car and Courts do not accept that the driver and the keeper are the same person. Which is why we do need to see the questionnaire filled in and the rest of the NTK. Also it would be helpful to get photos of the signs in the car park. Ones that can be read by us, and the sign at the entrance as well as the inside ones especially those that are worded differently. Poor signage is another defence that works well and you will  need a good defence should they decide to go to Court.
    • Thanks for answer ref address/bank. Thought it wise to double-check.   When I reply to them as per post #5, what should my reason for dispute be?   " dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation."
    • Alternative is to access the video yourself, upload to YouTube or similar and link back here.  Video will be accessible once you input your details into Wandsworth website: https://parking.wandsworth.gov.uk/pcn  
    • Yeah only £10 so may as well just get it done. When it comes to liaising with the police and bargaining before it hopefully goes to court. How does that happen? Via email? Phone call etc
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Ben vs Halifax.....NO RESPONSE!


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Hi all, need a bit of advice.

 

Has anyone else found that getting bank statements out of Halifax is like getting blood from a stone....?

 

THE STORY SO FAR.....

 

Wrote Subject Access Request on 18th July 2006.

 

Received letter from Halifax 21st August 2006 apologising that 'you feel you've had to make a complaint (I only asked for a list of charges at this stage!), and given the nature of the complaint your letter will be passed to the customer services dept who will contact you and deal with the complaint henceforth. If I do not hear from you in the next 8 weeks I will assume you are happy with this response'.

 

Not wanting to take any chances, I wrote back on 23rd August 2006 and asked again for the list of charges, as I wasn't sure whether I was actually going to get them or not.

 

Its now 13th October and I haven't heard a peep from Halifax, neither my local branch, where I sent both my letters, or the customer services dept it was being referred to.

 

Question is what do I do now? They've breached the DPA rules by not furnishing me with the info within 40 days, but how can I proceed further when I don't know how much i'm claiming yet? Has anyone else reported a bank to the Information Commissioner for a breach of the act and if so what was involved?

 

Any advice is very gratefully received!

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Hi all, need a bit of advice.

 

 

Question is what do I do now? They've breached the Data Protection Act rules by not furnishing me with the info within 40 days, but how can I proceed further when I don't know how much i'm claiming yet? Has anyone else reported a bank to the Information Commissioner for a breach of the act and if so what was involved?

 

Any advice is very gratefully received!

 

Go to the following - will give you loads of advice and template letters to assist you with your next step.

 

navbits_start.gif Consumer Action Group > Libraries - bank charges materials and other issues > Bank Templates Library navbits_finallink.gif Data Protection Act - Non-Compliance - Template Letters

 

Hope this helps :-)

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;) Boobaby

Please hit the scales if you think I've helped!

Please note that advice given is purely my opinion and should be treated as such.

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

HSBC Claim - August 2006 £2,700 paid November 2006

Halifax Claim - August 2006 £4,100 paid December 2006

GE Capital - August 2006 - settled

Log Book Loans - August 2007 - sorted

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  • 2 weeks later...

shouldn't be raising a claim yet. I'm yet to see that you've received a full set of transactions and charges. Do you know exactly what is owed? Have you sent a prelim letter, letter before action? Have you notified Halifax of how much they owe you and you intend to claim it back?

 

I think you may be jumping the gun somewhat. Take time to read the FAQs, use the templates and avoid dealing with a local branch. Correspondence is better written to head office.

Regards

 

 

S

 

 

Halifax PLC - £607 - SETTLED IN FULL

Halifax Card Services - £1142 - SETTLED IN FULL

 

MBNA Europe - £842 - SETTLED IN FULL + INTEREST!

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Hi

 

Try calling halifax on their normal number 08457 203040 and asking for them over the phone, I did this had to argue the toss for a while but got there in the end they only charge £5 for any amount of statements, I got mine back within 7 days.

 

Also I then sent my Prelim letter to Halifax PLC, PO Box 548, Leeds, LS1 1WU.

 

Don't forget to send anything that you do send to them by recorded delivery.

 

I got my reply from this within 5 days, with an offer of a third of what I am claiming, but I now have a name to go with the letters so all letters from now on will be going to a Doreen Johnson, Review Manager at the Halifax PLC, Leeds.

 

Hope this helps.

 

Good luck ;-)

 

robinson-clan

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Thanks, I'll try and answer all the questions, most of the questions I had already answered in my previous posts on this thread. I've written SAR weeks ago (18th July) but don't know how much in charges they owe me as i've never received anything, so I couldn't send a prelim as I had no idea how much to claim. As per advice from Boobaby (above) I wrote an LBA (as per templates) requesting that they furnish me with the information within 7 days, as they have breached the DPA 40-day rule, else I would take action against them. This seven days has now passed. I've sent everything recorded delivery and have proof of delivery as well, from the Royal Mail website. I need to know what action to take from this point as I can't afford to get it wrong! Thank you

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If your 7 days has passed with the LBA for Data Protection Act non compliance then you need to issue them with an N1, they are useless with the statement issue, you could try and email mailto:[email protected] first and explain that if you dont get a response you will immediately file in County Court.

 

Read my thread http://www.consumeractiongroup.co.uk/forum/halifax-bank/10610-morgan054-halifax.html as i went throught the same thing

 

Best of Luck

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did they cash ur cheque

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Guest bluecloud

It doesn't matter a jot whether the cheque has been cashed.

 

You have sent the SAR and they have failed to comply. You have proof that the letter was received.

 

You have sent a DPA non-compliance LBA and they have still failed to comply.

 

It's now time to file your N1 at court. Look at the following link:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html

 

It tells you how to complete the N1 based on non-compliance. You may not get much of a financial award but you will get the filing fee back. As far as I can remember, the fee is £30. If the bank have cashed your cheque then you can claim this back.

 

Should your "main" claim proceed in the same vein, then you would have proof that the bank were being deliverately disruptive and that really doesn't look good for them.

 

 

.

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I'm going through the same thing with Halifax although they sent letters to me for my BOS and Halifax accts saying they were being sent under separate cover. My mum got the same for her halifax acct. Received some BOS dating up to 2004 but none from Halifax. I have emailed Kelly Duffus at Halifax as that seemed to work for Aaronsdad so am giving them a couple of extra days before I send off the LBA's. Hopefully they will pull their finger out as lots on at home just now as am starting back at work part time after maternity leave on 13th and still to finalise childcare and transportation! Plus all my other claims that are ongoing. I sent my BOS letters to Rosyth and my Halifax ones to Halifax and received all letters re. SAR's from Halifax office. They really are appaling though.

Nikkiandmidgets Vs BOS (3) - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Capital One (2) - S.A.R sent 11/09/06, Prelims sent 20/10/06, LBA's sent 16/11/06

 

Nikkiandmidgets Vs Citi credit card - S.A.R sent 11/09/06, Prelim sent 9/10/06, LBA sent 28/10/06

 

Nikkiandmidgets Vs Halifax - S.A.R sent 11/09/06

 

Nikkiandmidgets Vs Egg (4) - S.A.R. sent 20/10/06

 

Nikkiandmidget Vs Littlewoods (3) - S.A.R sent 20/10/06

 

Nikkiandmidgets Vs Blackhorse - Prelim sent 20/10/06 requesting £125 charges to be refunded. LBA sent 16/11/06.

 

Nikkiandmidgets Vs Welcome Finance (Macadam Finance) - S.A.R and C.C.A request sent 20/10/06

 

My Mum Vs Halifax - S.A.R sent 11/09/06

My Mum Vs Capital One - S.A.R sent 20/10/06

My Mum Vs Citi - S.A.R sent 20/10/06

My Mum Vs SLC - S.A.R and C.C.A sent 09/10/06

 

Husband Vs BOS (3) - S.A.R sent 20/10/06

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  • 2 weeks later...
  • 4 weeks later...

Have you heard back from them yet????

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hi sorry been offline for a bit, didn't have to file an N1 I just telephoned them and asked if they had sent them yet, they apologised and said they would send them straight away. They sent me two lots in the end!!

 

I've sent the Prelim off a bit later than i'd planned - Wednesday 13th Dec! Not very organised with Xmas to contend with as well. I'll update when I hear anything!

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