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    • Hello, I wasn't able to update the defence, so they got the daft one.  Pra Group have responded dated 25th April saying they intend to proceed with claim. I have also received a stack of documents, similar to last time - print outs of old statements, but this time around they have send me a copy of the Barclay Card Conditions. Unsigned and dated. The address is an old address.  A consumer credit agreement with current address. Pages of it and no signature. I have uploaded onto a PDF what I have. The CCA agreement looks like a generic print out, I5 pages + long, I've included the 1st page that had my details on (redacted) don't know if its necessary to upload all of it.  Barclays 26042024.pdf
    • I suggested consideration of bankruptcy some years ago. It was not well received.
    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
    • Did you ever think of walking away? Become bankrupt and in 12 months it'll all be behind you. My feeling is that you may well get nothing from the sale of the property anyway. Going by the date this thread started it looks like eight years of arrears, lender's costs and receiver’s fees on top.
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    • We have finally managed to obtain the transcript of this case.

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DSAR request


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Hello all, I am new here.

I need to get a dsar from the Halifax and although there are loads of addresses to choose from, I wondered if anyone on this site knows the right address to send my application to.

I found one, but it could be very old, which is 

HBOS DSAR

Charlton Place (C43)

Charlton Road

Andover

Hants

SP10 1RE

 

I tried to do it on line, but the link is not there anymore.

Any ideas about application would be really helpful as well as I haven't had to do this sort of thing before.

Thank you very much

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Just send it to the head office. Send it straight away

Send it by recorded delivery so you have got proof that it was sent. If this is an ongoing account and they already have all your details there shouldn't be any problem. If this is a defunct account then they may come back to you for proof of ID.

If they happen to come back to you for proof of ID despite the fact that it is an ongoing account in your name and at the address that you are using to make the SAR – then they are acting unlawfully.

Keep us informed.

What is the issue that you have with them that you need to have a subject access request?

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11. How to get a copy of your personal information

This section tells you where to write to us to get a copy of your personal information, and how to ask for a digital file you can use yourself or share easily with others. You can do this online or by writing to us.

You can get a copy of all the personal information we hold about you by filling in this form or by writing to us at this address:

Halifax DSAR Team
Charlton Place (C42)
Andover
Hampshire
SP10 1RE

 

 

 

https://www.halifax.co.uk/securityandprivacy/privacy-explained/data-privacy-notice/#11

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Hello Bankfodder. 

It is a defunct account.

I have been fighting a debt collection group that has bullied me mercilessly and is now taking me to court, even though they cannot prove they 'own' the debt.  

 

I realised I had not asked for an SAR from the Halifax.

Whether it will do me any good or not now I don't know as I have written my defence (well, done my best as I haven't been in this situation before) .

 

I asked them for a deed of assignment and I can't believe the load of tosh they have sent me.

 

My name isn't on it, there are only 3 signatures (could be the cleaner's, who knows).

 

What sort of ID would I need please?

 

I don't know how much time I have as I don't have a court date yet.

 

And do I need to pay for this?

 

I read somewhere £10

Thank you very much

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Start a thread in our Financial Legal Issues Forum and we will advise how to defend the claim.

 

https://www.consumeractiongroup.co.uk/forum/121-financial-legal-issues/

 

Andy

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 OTHER

 

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

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

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the sar is free

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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