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Will this affect my claim?


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Today I recieved a letter saying

"If you requested information relating to manual intervention on your account, I regret that HBOS plc is under no satutory obligation to record this information and therefore, I am unable to assist further with your request"

Never did quite understand the manual intervention bit, so does this affect our claim?

Karen :oops:

 

05/01/07 S.A.R - (Subject Access Request) posted

07/03/07 Offer made of £457. Rejected. Offer remade of £651, accepted.

26/03/07 PAID IN FULL

 

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i received the same letter a few days ago - i don't think it will make too much difference.

 

We must be at around the same stage of our claims

S.A.R - (Subject Access Request) sent (Recorded Delivery) - 28 December 2006

S.A.R - (Subject Access Request) Acknowlegdement received 6 January 2007

Statements received 10 February 2007

Prelim sent (Recorded Delivery) - 13 February 2007

Prelim Received - 14 February 2007

Prelim Acknowledgement received - 20 February 2007

LBA sent (Recorded Delivery) - 1 March 2007

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Great news, hopefully statements in the next ten days.

Karen :oops:

 

05/01/07 S.A.R - (Subject Access Request) posted

07/03/07 Offer made of £457. Rejected. Offer remade of £651, accepted.

26/03/07 PAID IN FULL

 

Your Site Needs You!

and we need this site!

 

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Hi all on this thread,

 

My 2p worth!

 

As far as I'm aware, this can be the crux of the whole matter (simplistically, there are other things!)

The banks charge £30 for an automatically generated letter.

We all know this costs them 10p. So how is the other £29.90 justified?

Well, they could say they had to pay their staff wages to deal with it. (Manual intervention).

Common sense says that's rubbish, and the law is basically what is reasonable to a reasonable man. So far the banks don't defend because they cannot justify the £29.90 for the 'manual intervention' for the computer generated letter that was sent! Therefore it's profiteering and unlawful and unfair.

 

Told you this was the simple version!!

 

If you read some of Bankfodder and other old lags threads you'll see how complicated it can be.

 

 

However for us peasants, we crack on with the process in the library and we usually win!

If we don't - there's now 100,000 people on this site to fund our appeal!!!!

 

Hope that's helped!

 

A D

  • Confused 1

[sIGPIC][/sIGPIC]"Another charge by the Bank?"

 

1st Claim (Current account)

30/11/06 WON! £3146.41

 

2nd Claim (Mortgage charges)

27/3/07 WON! - £277

 

3rd Claim (Credit card charges)

14/5/07 WON! £300

 

4th Claim (Old account 97-99 £444)

20/4/07 Prelim sent

9/5/07 LBA sent

Can't remember now but I WON!!!

My current thread - An A-Z - My previous saga

 

IF THIS HAS HELPED PLEASE CLICK THE SCALES - THANK YOU.

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Thank you, that was a major help. For the first time, I almost understand it (its what I guessed it was)!

So hopefully no show down in court!

Karen :oops:

 

05/01/07 S.A.R - (Subject Access Request) posted

07/03/07 Offer made of £457. Rejected. Offer remade of £651, accepted.

26/03/07 PAID IN FULL

 

Your Site Needs You!

and we need this site!

 

Please don't forget to make a donation!

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No probs, that's what we're here for, and I told you it was the simple version. Because I don't understand the proper one!!!

[sIGPIC][/sIGPIC]"Another charge by the Bank?"

 

1st Claim (Current account)

30/11/06 WON! £3146.41

 

2nd Claim (Mortgage charges)

27/3/07 WON! - £277

 

3rd Claim (Credit card charges)

14/5/07 WON! £300

 

4th Claim (Old account 97-99 £444)

20/4/07 Prelim sent

9/5/07 LBA sent

Can't remember now but I WON!!!

My current thread - An A-Z - My previous saga

 

IF THIS HAS HELPED PLEASE CLICK THE SCALES - THANK YOU.

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Share on other sites

Today I recieved a letter saying

"If you requested information relating to manual intervention on your account, I regret that HBOS plc is under no satutory obligation to record this information and therefore, I am unable to assist further with your request"

Never did quite understand the manual intervention bit, so does this affect our claim?

 

 

This seems to be the current standard statement in respect of manual intervention. Whilst they may not have a statutory obligation to record the information is largely irrelevant (in my view). If they have manual records then these are likely to be kept in a filing system which would be covered by the DPA and hence should be provided in response to a SAR. I think I would assume that this statement can be translated as "We don't have any manual records on you" and as such they wouldn't be able to bring them up later if they wanted to for whatever obscure reason as that would be tantamount to admitting that they hadn't complied fully with a SAR.

 

Just my thoughts and I am no expert on these matters.

_______________________________________________________________________________________________________

IANAL - Opinions offered are just my personal views and are not guaranteed to be correct. I have been known to be wrong (once or twice).

Claims in progress against:

Eldest - First Direct - Part Offer received - http://www.consumeractiongroup.co.uk/forum/first-direct/79619-eldest-fd.html

Eldest - Halifax - Cheque Received Full amount - http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/66254-here-we-go-eldest.html

Youngest - Halifax x 3 - Request for refund sent - http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/79617-youngest-halifax.html

Eldest - unnamed Mortgage Provider for Charges and incorrect maths.

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Yes that does make perfect sense.

As long as it doesn't affect what i believe to be a straightforward claim!:p

Karen :oops:

 

05/01/07 S.A.R - (Subject Access Request) posted

07/03/07 Offer made of £457. Rejected. Offer remade of £651, accepted.

26/03/07 PAID IN FULL

 

Your Site Needs You!

and we need this site!

 

Please don't forget to make a donation!

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