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    • good you've learned to copy and paste.. now you need to answer the questions.....   where each one says Give answer here click it & just type your answer   as for all your documents, emails, appeals/replies etc there is a fully detailed upload<<clickme guide redact anything like pcn/ref no's, addresses, reg no's, pcn,email addresses of YOURS (ie anything they can use to ID you on here) but LEAVE all times/dates costs etc
    • Wait and see what they offer you then.  As I said above, if they have made a mistake it is possible that they might decide not to proceed out of embarrassment, even if the error is not such as to disadvantage you.  They did in SpeedyCBR1100's case.  You might get lucky too.
    • f you have received a parking ticket or a letter concerning a parking ticket:   Firstly, please check whether this is a PENALTY charge Notice or a PARKING charge. If this is a PENALTY charge notice from a County Council or TfL , please click HERE   Do not ever use or give an email address to a private parking company or their dogs   Choose the relevant section below: WINDSCREEN OR ANPR [for ANPR there will be TWO PIX of entry/Exit] copy and paste the relevant questions section to a new reply msg box in YOUR TOPIC...answer each question at its end..hit send/post   For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? Give answer here    2 Have you yet appealed to the parking company yet? [Y/N?] Give answer here YES   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide] By email Has there been a response? Give answer here   Please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Give answer here   What date is on it? Give answer here   Did the NTK provide photographic evidence? Give answer here   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] Give answer here   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Give answer here   5 Who is the parking company? Give answer here   6. Where exactly [Carpark name and town] did you park? Give answer here   please do not put JPG Picture files into your post   .............................   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY please do not put JPG Picture files into your post I really don't know how to put all the emails and letters into a PDF and then  put them here.  I have written to all and sundry and have dozens of emails.  The last development was the Cllr for RBKC saying she can do no more but has got the payment date extended to the 5 August and am now waiting for the response from CEO of Peabody or his Media assistant. I find this site difficult to navigate and need someone to help me with technicalities.
    • Thanks for the update   FRB = future revenue benefit   Can you upload the letter you refer to in the last para of your last post but hide all identifiers  - see out upload guide.   I may suggest you send them the same letter I suggested in the post here, but you should alter it slightly to make it your own - https://www.consumeractiongroup.co.uk/topic/435744-hmrc-asking-me-to-repay-fast-tax-rebates-ltd-scam-rebate/?do=findComment&comment=5122682  
    • From Sunday, government payments reduce to 60% towards salaries, with employers paying 20%.View the full article
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Problems with Halifax SAR & PPI


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Recently I came across some old account numbers and decided to check if any might have had PPI on them and if I might be able to claim anything on them prior to the deadline next year.

 

As I have no details other than the banks referance numbers I filled in the PPI Checker on the Halifax site where one of the account numbers was from.

 

I few days passed and I got a text this morning from Halifax saying "Felix, Thank you for your PPI Complaint, We'll communicate with you via SMS during the course of your complaint"

 

Now all I have done is check to see if I had PPI, I haven't made an actual complaint yet. Is this text just what they send out when they are checking if you even had PPI or does it look like they have found PPI on my old account and have auto opened a complaint?

 

Also I have heard that Banks may phone you up to ask you questions about your claim. I have Dyspraxia and would feel more comfortable being able to read questions carefully and think about my answers and put them in writing. Would I be within my rights to request any questions be put in writing?

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sent them and sar

and never use their forms

only the FOS questionnaire!

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for your reply. I have only used this forum to check if PPI was on the account: https://www.halifax.co.uk/contactus/how-to-complain/ppi-info/ppi-check-form/

 

I also used a similer form for my old Egg CC and Loan on the citibank (canada sq) site. https://www.citibank.co.uk/personal/ppicheckerform-egg.do

 

Have I damaged my chances by using these online forms? I only wanted to check the status of the PPI not officially start my PPI complaint yet. I see that SARs should be free after the 25th of May so will send them out then.

 

I will take a look at the FOS Questionnaire, it actually says that the FOS shouldn't be used until you have exhausted the banks own process for complaining and have your final letter from the bank, please could you advise why I should not use the banks forms?

Edited by FelixFelix
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No you haven't damage your chances and you are completely within your rights to refuse to speak to them on the telephone and to require that they deal with you in writing.

It would probably be a good idea if you send them a written letter claiming back the ppi so that they have got a paper trail and more importantly you have too

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Ok I will see if they get back to me regarding PPI checker results in the next week or so and then send a SAR to them all after the 25th and I can see the new process.

 

Once I have all the information I will see if I can find a letter template for complaining on here and go ahead with my complaint in writing.

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use the FOS Questionaire

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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always!

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

I am in the process of preparing and sending out SAR's to 5 different banks who I believe miss sold me PPI. In some of the banks the complaints process is underway already but I just wanted the information they had to see for myself and to use if my complaint has to go to the FOS.

 

 

I have pretty much just used the template as is putting in my and the banks details and any account referance information I had or just "all accounts" and the dates I believe to be relevent i.e. 2000 - 2018 as I had no credit before that date. I also put in my previous address and my DOB. Other than that I have just used the template as provided, is this ok? The template is worded quite strongly which I feel a bit bad about but then the banks would have no hesitation at threatening us so perhaps I should feel ok about it.

 

 

Also there is the question of fees, the SAR itself is now free but the banks can issue charges if they decide your request is excessive. This worries me as I don't want to be hit with a bill I can't afford to pay. Is this likely and if so will they let me know before they carry out any data retrival I would have to pay for?

 

 

Any advice on these matters would be great.

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Don't limit it. Leave it as wide open as possible. Use an account number in order to identify yourself but make it clear that you want all information they hold on you on any matter and in any form. If you think that the template is worded too strongly then amend it to suit your taste.

 

We have already suggested that if there is the slightest kind of delay or abuse of the new regime that you should be making an immediate complaint. If you don't like this then remove it. It's completely up to you.

 

You obviously haven't suffered sufficient abuse at the hands of the banks yet. Once you begin your PPI claims and push comes to shove, I expect you feel a bit differently. It is unlikely they will bill you – but are you saying that the possibility of it is going to prevent you from sending off an SAR? If the banks get wind of this kind of thing and they will soon start applying fees willy-nilly.

 

Your request may be excessive if it is repetitive. That seems to be about the only garden at the moment. So for instance, if you ask for all of your data and then in six months you asked for it again then I would have thought that repetitive request could be considered to be abusive. If you simply ask for the last six months since your previous request then that seems to me to be reasonable.

 

Yes of course they would let you know in advance.

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Best idea is never to change anything

There is no actual need for any account numbers in reality

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you both for your replies. I will take on board what you both have said and amend my SAR letters before posting them so that they are not limited in terms of time.

 

 

I don't have accounts numbers for all the banks as some of these accounts are old but will just put all accounts where this is the case.

 

 

Yes I think I am probably giving the banks too much credit or benefit of the doubt when I know they will most likely do what they can to refuse my claim. I do feel that the banks ruthlessly exploited me as a young person to such a degree I got in a terrible mess financially at a very young age. For this reason I couldn't bear to think about complaining about PPI for many years because it brought back such an awful time in my life. Anyway I am doing it now!

 

 

Thank you for the advice about charges and what they would class as repetitive. Hopefully I will not need to make a complaint about delays but if they do delay I will do so.

 

 

Thank you both again.

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Dont ever use their forms or stupid resolver links

 

Always use the fos questionnaire available from the fca ppi website

Site is a worthy read too

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Last week I posted out a SAR (with previous addresses) to Halifax and I gave them an account / reference number which I believe was part of a hire purchase agreement dating from 2003.

 

Today I have received a letter from their archive team saying they cannot find anything in my name and asking for additional information. I called them to find out more details and they repeated the same information that essentially they have nothing on me at all.

 

I have already used the Halifax PPI checker and received text messages with a reference code for my PPI complaint.

 

I have had problems with this side of things also as they sent me a text 2 weeks ago asking me to hurry up and return the questionnaire to them however they had not sent me any acknowledgment letter or questionaire

 

. I called them then and they said they would post that out to me asap

. I still have not got that and called again today and they assure me this time that this is in the post to me now.

 

I just feel very much like I am being fobbed off and messed around by Halifax at the moment and also if the SAR team can find no details on me then it seems likely that I will get nowhere with my PPI complaint either.

 

Does anyone have any advise of where I can go now?

Could my banking details still be linked to the other banks Halifax used to be involved with?

 

Right now I feel like complaining to the FOS about how useless they are full stop.

 

Any PPI I might be due back from this is not that much but it does just annoy me at how useless they are being, Halifax and Capital one have so far been the worst!

 

I sent out all my SAR's last week so far I have two letters acknowledging the SAR in some way.

 

Will I receive an acknowledgment letter from all the banks I have sent SAR's to or is this not required?

 

Just I wouldn't want to get 40 days down the line and find out some were saying they never received the SAR at all!

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4 threads merged for history

Please keep to one thread

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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They have 30 days to do 'something ' if they dont

Off to the ICO

 

Did you not read the DGPR SAR before you sent it?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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