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    • So long story short.   I had a number of re-occurring loans with Unclebuck, I made a complaint in regards to my latest one back in 2019, got to an agreement to remove default markings and charges etc and just pay the principal. Didn't pay the outstanding amount due to personal reasons, being put on Furlough was one of them.   Saw that Unclebuck went into administration, made a redress application a couple of weeks ago, got awarded £807 for previous loans (not the latest one). So I contacted the administration to confirm they would pay the redress amount towards my outstanding balance, but they said they cannot do so?   How is that fair? I get they they can't pay me any cash, but surely they should be able to write off the current outstanding amount, it has to work both ways right? This was the latest response I got, so far no reply from their solicitor yet.   "Whilst I note your comments concerning your desire to set off Redress due in respect of unaffordable loans against your current loan that was not eligible for Redress, unfortunately the Administration precludes the position of set off until the Administrator makes a declaration under Rule 14.29 of the Insolvency Rules 2016. This declaration has not been made by the Administrators and will not be made as there is no distribution or intended dividend to be made to creditors in this particular Administration. Whilst I sympathise with your position, you will appreciate that the Administrators are governed by statute and cannot contract out of it.   I promise to speak to our solicitors to see if there is any room for manoeuvre on this matter and will come back to you afterwards, however I feel that it is unlikely. As you will appreciate making an exception for you may open the Administrators to claims from other customers in a similar position to yourself and indeed from other customers that do not have the benefit of another loan to set their Redress off against."   And to further add to it, I got an email today saying they transferred the loan to a collection field agency "Conexus Recovery and Field Services Ltd "  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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      • 33 replies

NN v Abbey - *settled in full* at last WON WON WON


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Finally received some past statements (Feb 2005 - March 2006) so perhaps there are more in the post. Various leaflets enclosed and each month in a separate envelope - is the cost of this what we are paying charges for??

 

I added up the charges and it comes to £800.26. I can't wait for the other 5 years! It was really strange as I was actually looking for overdrawn amounts and the words 'charge for' and 'interest because you were overdrawn' instead of trying to ignore them like I usually do.

 

I feel so much better about the whole business just by reading of similar situations on this forum. As a result I am not actually worrying about money and if they stick more charges on I'll claim for them later.

Bring it on Shabbey!

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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Strange feeling, eh?

 

Going through my statements yesterday, I was actually dissapointed when any given month had no charges!

 

Good luck

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Thanks.

I know exactly what you mean now I've gone through mine. Still, £800 is more than enough in just under a year. It's amazing how it all adds up.

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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I have just E-mailed Shabbey, thanking them very much for their info so far. I then politely pointed out that I needed the other 5 years' statementsand they only have 18 days left to comply.

I presume the fact that Easter bank holidays have come and gone makes no difference?

 

:?

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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Just received this month's bank statement. Shabbey are intending to take out £360 in bank charges this next month.

I knew we would have problems during April as my other half has changed from weekly to monthly pay so in effect we have had our income halved over the last month. We informed them in person and by phoning of the situation but they refused to help us even with a small authorised overdraft of £200. The charges therefore are due to "not enough money in your account" and two have been charged for twice - £70 each. % payments were not paid within 5 days of my salary going in to the account, which they obviously knew would be happening. We also, according to them, went overdrawn on a Sunday (for which we were charged £20)! How do they work that one out? We only have an Electron card which cannot make payments if the funds are not there.

 

Is this a case for suspension of disbelief?:shock:

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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Just received this month's bank statement. Shabbey are intending to take out £360 in bank charges this next month.

I knew we would have problems during April as my other half has changed from weekly to monthly pay so in effect we have had our income halved over the last month. We informed them in person and by phoning of the situation but they refused to help us even with a small authorised overdraft of £200. The charges therefore are due to "not enough money in your account" and two have been charged for twice - £70 each. % payments were not paid within 5 days of my salary going in to the account, which they obviously knew would be happening. We also, according to them, went overdrawn on a Sunday (for which we were charged £20)! How do they work that one out? We only have an Electron card which cannot make payments if the funds are not there.

 

Is this a case for suspension of disbelief?:shock:

 

No it's a case for stringing them up by their scrawny necks and hanging them out to dry.

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Reading round I see several people have received 1 year's statements and a letter re: info. being stored on microfiche etc. I have received 1 year's worth of statements but no letter. Does this matter?

Do I still go ahead and inform Information Commission on 9th May?

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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Yes.

 

:D

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Just received a pile of statements from Shabbey. Only trouble is they are the same ones I've already received. I phoned up to query the situation and was told not to worry because they would not charge me for the duplicate ones! Fat chance!

 

I then asked what had happened with the other statements from 2000 to 2005 aand was told it takes 4-6 weeks. I pointed out that this would mean they were not complying with DPA, which in my case runs out (40 days) on May 11th and I would have no option but to report them to the Information Commission. The guy's reply was, "Please do so," and I then told him that I definitely would be and furthermore I did not need his permission to do it.

 

In the meantime I am sending the letter from the library, adapted for my situation.

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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Hi

Just me again. I've been quiet for a while but the 40 days were up yesterday so I need to report Abbey to the Information Commission. What's the best way to do this? :?:

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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I am absolutely fuming! shAbbey have informed us that they are cancelling our Electron cards because there was not enough money in our account to pay the £360 charges they tried to take out this morning. Has this happened to anyone else? Itmeans that apart from the DDs etc being paid, our account is virtually useless as we cannot access our own money.

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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Hi

 

I am fully expecting the Abbey to do this to us as well we had over 700 due out in charges, but we have started to use our parachute account, so I couldn't care less what the shAbbey threaten us with. Have you set up a different account....if you have now maybe the time to start using it.....if not apply for one now.....it could be up and running within 10 days.

 

Good luck and don't let them grind you down.

Jamloo

__________________________________________________

Abbey - Data Protection Act Disclosure Request Sent 03/04/2006 - 40 day limit was 13th May.

9th June 2003 to 9th April 2004 Statements We Have - Total Charges = £1,420.00 :o

18th February 2005 to 18th March 2006 Statements Received - Total Charges = £3,177.00 :o

Still awaiting remaining statements.:evil: (as of 25th June)

Request for Repayment Letter Sent Recorded Delivery 02/06/2006 - 14 day limit is 16th June. Requesting £4,597.00

Letter Before Action Sent Recorded Delivery 22/06/2006 - 14 day limit is 6th July. Requesting £4,597.00

 

Capital One (Part 1) -

Request for Repayment Letter Sent Recorded Delivery 26/06/2006 - 14 day limit is 10th July. Requesting £359.22

 

Letter Before Action Sent Recorded Delivery 24/07/2006 - 14 day limit is 7th August. Requesting £359.22

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Yes - I have another account so I have arranged for my salary to be paid into the new one today. It just maddens me so much that they can act in this way when the sums they want are in dispute and they cannot be bothered to comply with the DPA. They are just so arrogant. They obviously do feel that they are above the law, particularly when you read of these cases where people have worn and then they plead that they haven't had the paperwork. Utter tosh!

Hopefully it won't take too much longer before the courts see what they are up to.:rolleyes:

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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Received 2 letters today. One informs me I am £363.30 overdrawn and what am I going to do about it? The fact that I'm overdrawn at all is due purely to unlawful bank charges so the answer to that one is zilch. We are already using our parachute and there will be no more money into the account with Abbey as from Monday. Too late to stop child benefit which I had overlooked. There was a contact E-mail however: theabbey [email protected]. This is for the debt management department. They'll be pretty busy soon.

 

It states "...call us now and we'll do all we can to help you. You should be aware that we pass information on to credit reference agencies."

A veiled threat perhaps. Hardly helpful.

 

Second letter reads:

 

 

Date: ——— 15 May 2006

OurRef XXXXXXXXXXXXXXX

Dear Mr XXXXXXXX

As you know, we are currently investigating your complaint that you raised with Abbey eight weeks ago. I am sorry for the delay you are experiencing and I would like to take this opportunity to thank you for your continued patience.

Although we have made progress, we want to make sure we fully understand the problem before writing and we are unable to give you a full response just now. If you do not want to wait any longer, you can go to the Financial Ombudsman Service now and you do not need to wait for our response. I am enclosing a leaflet that tells you what you need to do. I do hope you will give us the chance to complete our work and we will continue to look into your complaint unless the Ombudsman tells us they are taking it over.

We will write to you again when we have finished our review and if you remain unhappy, you will still have the right to contact the Ombudsman.

 

Yours sincerely,

 

 

Marc Winder

Head of Complaints

 

My other half was quite surprised to receive this letter as he has had nothing to do with the complaints and DPA, LBA etc etc apart from posting letters for me. Should I be insulted as I am obviously just the little woman and therefore not suitable for communications from the bank. Doesn't matter I suppose, that I earn over 3 times what he does!

 

When will they realise we all mean business?

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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You should be aware that we pass information on to credit reference agencies

They should be aware that they are not allowed to trash your credit rating if the amount owed is in dispute. See the Banking Code for more on this.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Received another letter today which reads:

 

 

Dear Mr & Mrs XXXXXXXXX

 

Thank you for your email received 14 April 2006. I am also in receipt of your letter dated 16 March 2006. Please accept my sincere apologies for the delay in my response.

I am sorry to hear we have given you cause to complain in relation to the charges incurred on your Abbey Current Account 090126 43009430. My colleague Jackie Hammond, responded to your concerns on 28 March 2006, however, I understand you are unhappy with her response. You believe the charges to be unfair and have asked us to refund all charges applied to the account during the last six years.

 

I have reviewed your complaint and taken into consideration the issues you have raised, but unfortunately I cannot uphold your complaint. We believe our charging policy is fair and ensures all customers are treated fairly. We do not want customers to incur charges, but there are costs involved in processing unauthorised payments and this is why a charge was applied.Most banking transactions are automated, but when there are insufficient funds in an account, a specific team must manually process the payment. Processing unauthorised transactions is costly and our charges will reflect the administration involved in handling each transaction.

I note you say you are unhappy with the charges you have incurred over the last six years. If you felt at any time the charges were unfair or incorrect, then the matter should have been raised at that time.

 

I accept that you did not set out to incur charges. Ultimately however, it is your responsibility to monitor your account and ensure there are sufficient funds in your account at all times. As such and given the above, I do not feel that a waiver of charges is justified. The charges in question therefore stand.

 

This is my final resolution letter. However, if you would like to discuss the content of this letter or have any new points you believe should be taken into account, and which may make a difference to the outcome of the investigation, please contact me within 14 days of this letter on the above number. If I do not hear from you by then, and you have not asked us to extend that deadline for any reason, I will file my papers accordingly.

 

Should you be dissatisfied with the outcome of our investigation, I would like to remind you that you can refer your complaint to the Financial Ombudsman Service. I enclose a booklet explaining how to take your complaint to the Financial Ombudsman Service, and should you wish to do so, there is a time limit of six months from the date of this letter.

 

The Financial Ombudsman Service contact details are:

 

Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E149SR

Telephone number: 0845 080 1800

Facsimile number: 0207 964 1001

E-mail address: [email protected]

 

Yours sincerely

 

Anna Palczynski

Customer Resolution Manager

Complaints

 

Enc. Financial Ombudsman Service Bookle

 

I underlined the bits I thought were most interesting

 

Sorry for the lengthy post but I need to know whether I should wait for another reply from LBA or should I file with the court now? Personally I feel they have had ample opportunity to sort this.

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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If it were me, I would go straight to court.

  • Confused 1

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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I have sent a letter today giving them 7 days and if not happy I am filing claim without further notice. This takes me to next week when I have time off work to deal with it properly. I don't want to rush the form filling and risk making mistakes.

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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Just received an E-mai from the ICO after complaining to them about Abbey. It reads:

 

Dear Ms xxxxxxxx

 

Thank you for your recent correspondence regarding Abbey National.

The matters you raise will be allocated to one of the Commissioner's Compliance Officers who will give detailed consideration and respond accordingly.

 

I should point out that we do have an amount of correspondence awaiting allocation. We will, however, make every effort to give you a substantive response as soon as possible.

 

Should you wish to contact us regarding this matter please be sure to quote the following reference number:

 

XXXXXXXXXX

 

Failure to do so may delay the processing of your request.

 

Yours sincerely

 

DP Case Reception Unit

 

The Information Commissioner's Office

 

Is this the standard response or do I look on it as good news and Abbey will eventually be held to account with all the complaints they must be having made against them for non-compliance of DPA?

 

 

 

 

________________________________________________________

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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Hi everyone

 

I am in the middle of filling in the form on moneyclaim but as I am making an estimated claim based on the last 15 months (due to lack of bank statements from Abbey) what do I do about interest? I am happy enough to forget it if that would be OK? Any suggestions anybody?

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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Do you mean overdraft interest? This would not be a massive amount and is even harder to work out from an estimated claim.

 

If you mean 8% on each charge from the date incurred, just input figures on the spreadsheets and guess when they might have been incurred.

 

I think you'll be fine to use the template text regarding this part which states

"Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just."

That way, if they produce evidence, the court should be able to see from your claim that you had no way of knowing, but made a reasoned estimate, and then just award the actual figure.

 

Hope that doesn't sound too complicated!

  • Confused 1

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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:) Thanks for the help. Finally finished. I just need to adjust it for Wednesday and it will be filed. I can't afford it until then, unfortunately.

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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Just received this E-mail from the IC:

 

30th May 2006

 

Dear Ms XXXXXX,

 

Thank you for your enquiry regarding Abbey. Further to our recent acknowledgement email, we require some further information before we can investigate your complaint.

 

I note from your email that you have made a subject access request (SAR) under the Data Protection Act 1998 to Abbey and that you believe you have not received all the information you are entitled to. If you would like to pursue your complaint with us, please complete our Complaint Form available from our website via the following link: http://www.ico.gov.uk/eventual.aspx?id=16318. Please return the form by post, ensuring you read the accompanying guidance notes. Please also enclose copies of any correspondence you have sent to and received from Abbey in relation to your complaint, including a copy of your original SAR and details of the information you believe is missing.

 

Please provide the requested information within 28 days, ensuring you quote the reference number on your correspondence. If we do not receive this information within this time, we will assume you no longer wish to proceed with your complaint and your case will be closed.

 

Yours sincerely,

 

 

 

The Information Commissioner's Office

 

____________________________________________________________________

 

http://www.ico.gov.uk or e-mail: [email protected]

 

Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF

 

Tel: 01625 545 700 Fax: 01625 524 510

 

 

 

I am printing the complaint form off now as I type this. Is this letter standard or should I have filled in the form initially?

 

At least the IC are taking complaints seriously.

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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Claim Filed !!!!!! 2 minutes ago.

 

What a liberating feeling!:D :D :D

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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