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    • hmmm i just did a search online   http://www.area-codes.org.uk/more/084-and-087-number-ban.php   anyone know if companies are not allowed to use 087 premium rate numbers for customer services/complaints lines? it looks like they're not supposed to. also do you think this thread should be in telephone charges or something? 
    • not sure where you are getting the idea a DCA can mark anything on a credit file and have any legal powers whatsoever on any debt no matter what it's type..they are NOT bailiffs.   the sar is not needed quickly, it's merely there as a fact checker to make sure all the debt HMRC claim you owe they can prove.   it's obvious you'll have to start some kind of repayment but lets check the ultimate figure is correct.   you most certainly do not lie at all , but there is no harm in not referring to anything they don't specifically ask you about.
    • almost 100% of lowell vanquis card claimform threads in about the last year they have folded on or were already SB'd by the time of the claim   however, unlike yours, these have all been online signups with no real proof from the CCA they could ever prove the defendant actually did sign up from what PC and where etc etc. and mainly for much smaller sums too..   this claim is for +£2K? and they have the signed CCA...time to plug the hole in the boat as we can't bail out any faster nor keep doing it. what settlement figure did they indicate?          
    • How long would a SAR take? I don’t have much time with the interview being on Monday. I also don’t want to tell anymore lies as I am scared that they will then investigate further.  If they do allow me to make repayments, will this go to a debt recovery company and have an even worse affect on my credit score?
    • Hi Bankfodder Debt was from 2016, Last payment missed was Feb 2016, Default issued June 2016. Thanks!
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      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!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Reclaim Halifax Loan and Mortgage Charges


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18D

72D

34D

4CD

3CD

 

all are unlawful charges and can be reclaimed

 

what are those insurance charges on statements from page 8??

page 2 says NO INSURANCE taken out with the loan...

 

can we have the comms or account log please

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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Hi Thanks for that. 

 

These are the titles of the other enclosed docs which hold generic info about me, rather then about the account. 

"Information held on the Customer system"

"Information held on the Customer Insight system"

"Information held by our Personal Lending Decisions Dept"

"Information held on the Common Processing system"

 

Plus some correspondence between Halifax and a claims management company that sold me a dream, but amounted to PPI reclaim. This faded away and I ended up successfully claiming back ppi myself. 

i can show you any of these but there's nothing in them, except personal details really. 

 

No comms logs, no copies of letter sent or received, No transcripts of phone calls.

 

They've said (on the phone) that that's all the information they have.

 

Do you think I should write to them to confirm that's all the info they have in writing?

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one of the above will be the manual intervention log whereby it details the actions and notes taken by the bank on the account.

you need to find mention of the default notice 

you have 2 sars now, it must be there.

 

 

 

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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It's not in the latest one, which is requested pertinant to that account only,

 

(because) 

 

the earlier sar i requested is 10 inches thick, and all mixed up, but I went through it and found nothing more relating to this account. 

 

 

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