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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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Chasing Halifax Statements


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through a friend of mine I have been lead through to this website to reclaim my bank charges with the Halifax Bank.

 

 

I have sent them a letter over a month ago to ask for my statements for the last 6 years and sent the £10.00 cheque.

 

 

As to this date I have only just received a letter to say that the statments are on their way but this has now been over the 40 days aloted for the time for them to be sent. They also cashed their cheque quite a while ago.

 

 

Is there any point in chasing them for the statements or is it just a case of wait and see

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I have only been waiting 20 days but I have a friend who got hers after only 12 days, she sent off the same day as me. I have just rung to see whats going on. I rang a number that was recommended as helpful on one of the threads but the lady must be having bad day. I just got the 3rd degree about where I had got her number from and then got told she couldnt help me. She gave me another number which I rang. I was asked the security questions and then got told that I had failed secutity!:o When I asked how that could be he wouldnt tell me but says I now have to go to a local branch and have my security reset then call back. I gave him loads of details and told him when and where I had opened the account but to no avail. I think it may have been because I couldnt remember the date I last paid money into the account (I cant remember when I last had any!!!!!!) I did tell him that i had cancelled to direct debits last week and which branch I always use-which isnt local to my address- but the man from Halifax, he wont budge.

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marie - probably a good idea if you can do some research on the site - you should have sent the following letter, and they can now see that you are not clear of the procedures, which they will see as a major weakness on your part.

icon1.gif Data Protection Act - Non-Compliance - Template Letters

 

 

************************* ************************* *

 

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear Sir/Madam

 

Account: xxxxxxxx

 

You have failed to comply with my Data Protection Act Subject Access Request dated (Insert Date).

 

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

 

Yours faithfully

 

 

 

 

 

[name]

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Today, i recieved a letter from HBOS plc confirming receipt of letter.

It repeats the right to 40 days from receipt, and that i should recieve them no later than 17/03/07.

It comes from "the Data Subject Access Request Team"

10 Carlton Street

Halifax

HX1 2AL

I hope this point of contact is of use to someone...

keep you posted..

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I've been speaking to them today and they had 980 statement requests yesterday alone. I think they are struggling to cope!

 

WOW!!!!!!!!!!!! 980 statements requests!!! :lol: :lol: :lol: :lol: :lol:

 

That has just made my day! I knew this movement was popular, but that's ridiculous! I feel SOOOOO sorry for them!!

 

Mind you, I wish it was quieter so they had more time to sort my claim!! :cool: No offence, people!

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I know what you mean but it's a bit like the endowment scandal. Just think how much that has cost the industry! I imagine each claim must average at least £10,000 and just think about how many people have claimed.

What ever happens they will have to justify their charges in court and they know they can't as experts claim the true cost of chrages to be approx £2.50 compared to the £30+ they do charge.

I think what'll happen is the OFT will make a statement on the charges, the FSA/FOS will then have to sit up and take proper notice and will perhaps allow people to reclaim these charges for a certain period then close the door on claims from that point on, a little like what they have done with people claiming against bad advice on there endowments.

 

That is what my crystal ball says anyway! I would say it won't be a quick solution for the banks unless one is brave enough to go and make a stand in court!

19/02: S.A.R - (Subject Access Request) sent to A & L

20/02 S.A.R - (Subject Access Request) sent to HBoS

20/02 SAR sent to Capital One

21/02 Prem letter sent to RBS for £304

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what law is going to change?

Bank charges are unlawful. The OFT, the FSA, the FOS or my aunt Fanny DO NOT make laws.

Banks cannot gain or make profit from their charges.Until such time they stand up in a court of law, and justify every penny they have charged you, nothing changes, whoever says whatever

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well thats re-assuring to hear your views!

I had a statement the other day and it shows some charges on it, and for the first time, instead of swearing about it, i laughed instead, oh happy days!! :D

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halifaxmug - not my views - it's a fact. Laws are introduced onto the statute books by Acts of Parliament and go through a long process through the Commons and the Lords, with Green Papers/White papers etc. etc.

They are certainly not made a by a governmental agency saying "we think...blah,blah,blah..." and then that suddenly becomes the law.

 

To reassure you further, you may want to read this thread About the OFT impending report - PLEASE READ THIS IF YOU'RE WORRIED (multipage.gif1 2)

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If you're chasing stuff from the Halifax you might as well go high up.

 

This woman gets things done!

 

Kelly Duffy

Senior Customer Relations Manager

Executive Office

Customer Relations

Direct Dial 01422 326326

Fax 01422 326688

[email protected]

 

Further, I was doing some reading about the DPA and do you know? If enough of us complained about them not complying with SARs etc they could have a licence taken away which would prevent them from storing info electronically. Now I'd really like to see that!!!!

 

A D

 

PS Where's my avatar and sig gone??

[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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i have just received my statements on friday and have worked out how much they owe me in charges but not sure how to work out my interest and where to find the template letters in this site as a bit new to all this forum millarky any help would be greatly appreciated.

 

sorry but want to get this on the way

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sorry guys it is ok found the letters section on website and just about to work out my interest through the excel sheets provided wish me luck with next stage of money chase

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if you go to home page and click on the changing banner when it asks abtou FAQs it will take you to a page that as you scroll down has different areas and one of them is a letters archive.

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Hi all well ive just sent my prelim letter on saturday for me and one for my boyfriend they should get that today then its on to the LBA on the 20th. Ive recieved more charges since so can i add these on later to the same claim?. People have been telling me not to get my hopes up, but ive explained at the end of the day its still unlawful, i must say now im starting to think what if, and it just seemin a bit scary now. Anyway ill keep you all posted, wish me luck.

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i know what you mean my husband reckons knowing our luck we won't get a penny back and we are wasting our time or we will end up in court but you don't know if you don't try:p

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