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    • Another consumer who thinks that by being reasonable and patient with Currys, that Currys will be reasonable with them in return. Bless. Of course I do hope that you get a resolution this way but in fact we have found over a longer time now that Currys was a dishonest and quibbling little company that takes advantage of its customers innocence to deprive them of their consumer rights. "In due course" is completely unacceptable but if you go along with that it means that you have handed the reins over to them and allow them to take control. There is no reason for this matter to take more than a week for them to sort out and so I would suggest that your best course of action send them a letter of claim giving them 14 days or you will sue them in the County Court. That gives them ample time to sort the matter out and also means that if they eventually come back to you "in due course" refusing to honour their obligations, then you don't have to wait a further 14 days. You can pretty well launch into action immediately. You said you had all your legal documents ready but I asked you if that meant that you had sent a letter of claim and you haven't replied.
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    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
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Jezza V's Halifax Plc


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Evening all, been reading this site for a while and trying to get get myself as well prepared as possible before I sent off my Data Protection letter requesting the last six years bank charges so I can start claiming them back.

 

I'm just a bit concerned that if I start claiming them back, then the Halifax might take their bat and ball home and recall the two unsecured loans I have with them, totalling approx £20,000.

 

Without having the statements infront of me, I can't say exactly how much they've had out of me in charges so far, but I reckon it's easily over £500, so worth chasing, I just cant help worrying that they will start playing silly beggars with the loans.

 

Anyone else been in a situation like this? What happened - if anything?

 

Am I worrying over nothing?

 

Jezza

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Am I worrying over nothing?

 

Probably. If they were to start playing silly beggers with their customers, and that got to the press, then it wouldn't look good for them.

 

At present they seem happy enough to pay up as long as we shut up. I had my bank account closed, but that appears to be a seperate issue to my claim.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Hi Jezza

 

you havent mentioned what type of loans they are so I assume they are standard loans with normal terms and conditions which makes them irrellevant to your current account.

 

Do any of the charges relate to the loans?, if not

 

Its unlikely that it will make any difference

 

Any retaliation of the banks due to action by you would not be well received.

 

Do you have your loan agreements?

Is this link any help?

 

 

Terms and conditions

 

Regards

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Cheers for the replies :)

 

The loans are standard Halifax ones. Both are unsecured, one was opened in a branch, the other was opened via the internet.

 

I'll have a look through the terms and conditions link supplied, but I reckon you're both right, they wouldn't want it to jeopardize their other business area's

 

I'm almost ashamed to admit I used to work for the Halifax, do I need to let any of the Mod team know? I haven't worked for them for over a year now and my only ties to them are the bank account, a small savings account, and the two loans.

 

I left when it became more important to them to bully the staff under the aegis of maximising sales to supposed benefit or customers, which, in reality was usually to the detriment of the customers.

 

Jezza

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  • 2 weeks later...

Received a letter from Tuesdi Graham in customer services today stating...

 

"Thank you for your enquiry requesting information on your account for the last six years.

Copies of bank statements can be provided with this information in, there is a £5 charge for this service. Please can you contact us to confirm that you wish for us to proceed with this request, and that you are willing to pay this fee".

 

I'm guessing this is a standard letter they have now started sending out?

 

Should I reply and reiterate my original letter, asking for a full disclosure of all my information held by them under the DPA or write back and tell them to go ahead? Just a bit confused because the cynical part of me thinks it'll be £5 per statement, which could get a bit painful :eek:

 

Cheers

 

Jezza

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OK - looks like you've jumped aherad of yourself a little as you've only asked them for the statements?

 

If you follow the http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html and send off the http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html with the £10 fee then they have to supply all your statements for that one fee.

 

This site contains a lot of useful information, but you need to spend time reading it to be sure of what you are doing.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Cheers for the reply mate, Dont think my earlier post from today was worded very well. I'd sent off the letter shown in your first link (the data protection Subject Access Request letter) after reading through the FAQ's and forum posts pretty thoroughly.

 

I'm doing night shifts at the moment so my brain doesnt work well enough to come up with my own letter when a template is available ;)

 

It was sent off after being copied word for word from the template shown on here(http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html), with the only changes being my name, address and bank details. Other than that, everything was done as the site suggests it should be done.

 

I think where I've gone wrong is to send it to the customer relations people, rather than the Data Controller, so I'll re-submit it to that address and start over :cool:

 

Jezza

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If you sent it to Leeds then they will have passed it on - the request should have been accompanied by a £10 fee, which is probably why they're asking for £5 now - some get charged a fiver, others send £10, some seem to get them for nothing...

 

Check with them on Monday, call the head office on 01422 380880 and ask for the data controllers office?

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Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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  • 4 months later...

Morning all, just a quick update for you regarding my claim against the Halifax. Taking the advice above, as well as making good use of the previous posts and the 'Search' button, in order to make sure all my bases were covered, I started over and sent the S.A.R, Preliminary Letter and LBA to the Halifax, after using the templates supplied on this website and giving 14 bank working days as and where required.

 

This morning I received a letter stating they would not be refunding any charges. It looks to be a standard letter they send out and has the reference CR FF1 on it if anyone has received a similar one.

 

I phoned Customer Relations to say I did not accept their explanation and that the charges were disproportionate to their loss - ie, going over the overdraft by a few pence somehow merits a charge of £39 :eek:

 

The lady I spoke to in that department said that if I was going to go to court to request a refund of all charges then she would escalate the complaint to a 'Senior Review Manager'. She explained that they would still work to the 8 week deadline but as my Prelim letter had been received nearly 4 weeks ago, she expected me to be contacted soon:?

 

Want to be seen to be reasonable by the courts, (f I have to go that far) on this so I'm going to give them a bit longer before I file online

 

Any and all advice would be very, very welcome!

 

Cheers,

 

Jezza

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