Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


sidley

CCA request 1980's Card ignored? now wescot chasing

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1203 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Was you added as an additional cardholder?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

that's is an additional cardholder form above


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

@dx100uk,

 

yes, it says that I was added as an additional cardholder, but the original card, circa late 80's was in my name with my wife as the additional card holder. Don't know if that is relevant?

 

 

sidley

Share this post


Link to post
Share on other sites

Hi all,

 

Been a long time but I've finally got a response from Halifax to my SAR, today.

 

Lots of things to wade through, but in their covering letter it states .. "Copies of Default and Enforcement notices are not saved by customer name so we are unable to provide copies under a Data Subject Access Request."

 

Is this true?

 

It also states .. "Please note that the original signed credit agreement has not been retained, however please find enclosed a photocopy of the application form that is held on our system"

 

I find it difficult to believe that they do not retain important documents such as a DN or Enforcement notices.

 

Also missing are any copies of letters that I sent to them or their responses sent to me. In previous SAR to other banks they have included all correspondence received or sent.

 

Does this mean they don't have them or cannot be bothered to find them.

 

So, do I need to chase them up (is it worth it) or should I wait to see what happens?

 

 

any help gratefully received.

 

Ta sidley

Share this post


Link to post
Share on other sites

they don't have to keep them

they only have to be able to prove they were sent in say the comms or the account log.

as for the agreement

its not part of an sar

that's what a CCA request is for..


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

It is however a good thing that the original agreement has not been retained


Any opinion I give is from personal experience .

Share this post


Link to post
Share on other sites
It is however a good thing that the original agreement has not been retained

 

Thats the most important:wink:


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Thanks fletch & andy

 

It is however a good thing that the original agreement has not been retained

 

Sorry for being so opaque, but why is it a good thing? Is it because the CCA was pre 2007?

 

With regard to hard copies, it seems that the DCA (cabot) have no difficulty getting hold of hard copies from Halifax. Not the DN but the NoA amongst other things .

 

So why can't they get them for me?

 

Secondly, the log of the account (difficult to read because they use codes - code book supplied- rather than a written entry eg instead of "DN sent" they would but down DSF45 which means a DN was sent) there is no entry for a DN.

 

Also, as mentioned when I SAR'd Barclaycard they supplied scans of all the letters I sent them and a hard copy of all their letters sent to me. Does this mean Halifax do not scan letters or keep correspondence sent to me on their system?

 

I know I'm jumping the gun here, but if later on they decide to pursue this through the courts (no threats yet) and suddenly all these letters turn up in their witness dossier, what would be the outcome there? They have suddenly supplied them for the courts but not for the SAR. So should I make a complaint to the ICO that I feel that they have not supplied me with everything. And if they respond with "they do not have anything else on me" (complaint closed) but they suddenly appear at later date could I call into question their legitimacy?

 

Just wondering.

 

Ta

 

sidley

Share this post


Link to post
Share on other sites

no signed agreement = forget about the debt

its going nowhere.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Hi Sidley,

 

I had no signed agreement in one of my cases too .. but the Judge allowed reconstituted docs to stand .. these reconstituted docs did not even hold my signature.

 

It was the DN notices that won day for me in both my cases.

 

I had stated the reconstituted agreements were just generic and also proved certain facts stated did not even relate to same era, but Judge stood firm the reconstitutes were allowed, whether that may be .. as Judges had already decided I was going to win the case on the NO DN ISSUED point, i will never know.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...