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Here we go - Eldest v. Halifax


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Claiming for kids and have sent off SARs for eldest. NatWest refunded all the charges when the account was closed several years ago so nothing to pursue there. Waste of a tenner! Halifax will surely be a different story.

07/01/2007 – Standard SAR request sent to Halifax

09/01/2007 – SAR received by Halifax according to phone call of 13/2/2007

24//01/2007 – Standard Letter from Ken

___________________________________________________

Thank you for your letter requesting specific information on your account with us. I can confirm that copies of duplicate statements have been ordered and will be sent under separate cover. If you have not received these within the next 10 working days would you please advise us on 01422 391152.

 

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

 

Should you have any general account queries, please contact 24 hour banking on 08457 20 30 40.

 

Details of how we use your data can be found on the Internet under the Security and Privacy section at Halifax Online - UK Banks, Finance, Telephone & Internet Banking or Bank Of Scotland - Home -. If you would like a copy of the registered Data Protection Notification details, this can be found at ICO – Information Commissioner's Office. Alternatively, please let me know if you would like me to forward a copy of either to you.

 

Yours faithfully

 

K Patton

 

Ken Patton

Data Protection Consultant

Business Risk – Retail

___________________________________________________

13/2/2007 – Ken’s 10 days has come and gone and no statements so thought we’d let them know – just in case they’d forgotten. Wouldn’t want them to default on any legal obligation! So phoned them today and was firmly told they received the request on 9th Jan and the 40 days is up on 16th which is when the statements will arrive. I guess they have a note on the account that states when the 40 days are up.

15/02/2007 – Statements arrived 1 day early! Quick addition gives £108 (4 charges as notified) over 2 years on account that hasn’t seen any action for the last 3 years. Seems like my eldest wasn’t getting charged often at that time. Will send out the request for return of these shortly and start on youngest who in the last year or so has racked up more on just 1 account in last year alone. Then also SAR to FD for eldest current account in last 3 years.

_______________________________________________________________________________________________________

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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  • 2 weeks later...

OK on closer inspection the charges add up to £244. Have done the spready for just the charges. I note in the SAR I said I would also claim the fee for the SAR. Have drafted the Prelim. Do I add the SAR £10 fee to the spready as an additional charge?

 

What have others done in respect of this? Any help on this one appreciated. Thanks

_______________________________________________________________________________________________________

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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Thanks for that. I'll modify that spready and letter to up it by the £10.

 

Cheers

_______________________________________________________________________________________________________

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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  • 3 weeks later...

Well 14 days are up so LBA went today by Royal Mail Signed For.

 

I sent 4 letters by RM Signed for on the same day. The initial request for refund for this thread to Halifax and SAR for youngest, SAR for eldest to |First Direct and a refund request to Accord. Only the last is shown on Track & Trace. I rang RM and they confirmed delivery of the FD one and said the other 2 will be officially deemed as "lost" come Saturday. I know 3 out of the 4 have been delivered as responses were received. The other is youngest's SAR so will need to resend that one me thinks.

_______________________________________________________________________________________________________

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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  • 2 weeks later...

A few days after LBA full offer received. Acceptance going off this week.

_______________________________________________________________________________________________________

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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  • 4 weeks later...

Well acceptance was duly sent. The offer of refund said that it would be paid into account within 14 working days of receipt of acceptance. To give benefit of any doubt we can assume that they will have received it on or before 30th April so by my reckoning it should be there by Friday. Am checking daily now.

_______________________________________________________________________________________________________

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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Cheque arrived this morning. They probably didn't pay it into account as it hasn't been used for 2 years, although it does have an overdrawn balance of 4p!

_______________________________________________________________________________________________________

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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Well done!!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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CONGRATULATIONS...!!!!! :D :D

 

So many people are worried that they wont get paid by cheque, so its nice to see that someone has.

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