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    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
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    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
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Action Started against Halifax Banking


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Please find below a copy of the letter I have today sent via the email link for Halifax. I am following this up with a copy of the letter being sent by recorded delivery today just to make sure they get it. THis is an account that until today had a £29. debit balance on it (due to their charges) which has now got a £39 credit balance on it - to allow them to take their £10 charge :lol: I had left the account with a NIL balance on it some time last year as I was totally fed up with them and the unfair charges they were levying.

 

 

(My address)

 

2 March 2005

 

FAO: Data Controller

Halifax plc

Trinity Road

Halifax

West Yorkshire

HX1 2RG

 

 

 

Data Protection Act disclosure request

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER:

Roll Number xxxx xxxxx xxxxx Account Numberxxxxxxx Sort Code xxxxx

 

 

Firstly, please note my change of address as above. My previous address was xxxxxxxxxxxxxxxxxxxx

Secondly,please supply me with a complete list of transactions and charges relating to my bank account since my account was opened with you in 2003. Alternatively a complete set of bank statements for that period will be acceptable. Please note that I authorize you to debit the £10 charge for this request from my Halifax account above.

 

Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business. with you.

 

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.

 

You have 40 days in which to comply with this request from delivery of this letter (which was delivered to you on 3rd March 2005 by recorded delivery).

 

 

Yours faithfully,

 

 

 

Have I done all I can for now? Is there anything else anyone would suggest.

 

Finally can I just thank you all for the information and support you give on this site - it has taken me a few days to go through all the relevant posts. Its good to know there are others out there for support!

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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Have received the following in response to my email...........

 

Thank you for e-mailing our Online Helpdesk. We have received your

email and we will reply within 48 hours.

 

Thank you in advance.

 

Regards

Online Helpdesk

 

hmmmm bet they are sending out a lot of those at the moment! :wink:

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

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Lots of people have now sent out DPA requests (including me) my question is has anyone actually had a full DPA disclosure back? i.e. have they confirmed that there has or has not been any manual intervention with regard to the charges - and if so what detail have they given?

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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Ok, I'll get my crystal ball here :lol:

 

I predict that even with full DPA disclosure, none has shown manual intervention... as you can't see what's not there and never was.

 

I further predict that in the very near future, full disclosure will show manual intervention, so as to justify future charges. I also strongly suspect that these manual interventions will be anything but, but it will be harder to prove.

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Having received the response above on 2nd March saying that they would respond within 48 hours I have heard nothing more. I have not even had an acknowledgement of the copy I sent by recorded delivery (although I do know it was delivered). Oh well clock is ticking as they say.....

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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Send reminders - lots of them

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As I have still not had an acknowledgement of my DPA request sent by recorded delivery (and signed for at Trinity Road, Halifax on 3rd March) I have today sent a reminder email to the Halifax, advising that they have 25 days left to comply with my request. I also re-iterated my request that they debit the £10 charge from my account and asked them to confirm receipt of my reminder.

 

Not holding my breath that they will do any of this, but if they don't I will complain to the IC.

 

However, if I don't get a response I can only go back 12 months on my online statements with the Halifax so will I have to estimate my charges and amend the letter to say "I estimate that you have taken £xxxx from my account......" and hope that that brings a response from them?

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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Has anyone failed to get a response from a DPA request and subsequently sent a prelim letter estimating their charges? I have had no response to my initial letter or my chase emails to the Halifax - i can only go back 12 months on my online statements so I therefore don't know how much I have been charged for previous years. I don't want them to get away with the previous years but other than estimating their charges, I don't know what to do if I don't have statements or a list of charges from them.

 

Advice please!

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

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Ramp it up by sending them the £10. If they don't repsond to that then sue them and include the DPA falure in the claim.

 

Begin a DPA complaint anyway after this 40 days but do send the second request but with the money this time.

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will do :lol:

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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OK have decided to take a different tack with the Halifax. I have added up the charges that I can actually see on my online statements and have today drafted a preliminary letter regarding these (£334.00) I have also asked again for duplicate statements for the other 2 years that the account has been opened and have advised them that a further claim for refund will be forthcoming once they send those to me :lol:

 

I have also added this paragraph to the bottom of the preliminary letter.

 

"Whilst writing I would also advise that on the 2nd March I sent a request under the Data Protection Act asking for a detailed breakdown of all transactions on this account since its opening in 2003. To date I have received no response to this letter (which was delivered and signed for on 3rd March 2006 at your Trinity Road Offices). I would remind you that you currently have 18 days left in which to comply with your contractual obligations under the Data Protection act to provide me with this information. I have already given authority for you to debit this amount from my account, and at no time have I been told that this is not possible and that I will have to send money by other means, but in the event that you elect not to debit my account I am enclosing a postal order in the sum of £10, although I am also aware that this charge is discretionary and can be waived at the company’s discretion. "

 

Maybe this will finally bring some form of response from the apparently sleeping Halifax offices.... would welcome your thoughts on this approach

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

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Internal procedures. The data protection team do not have access to customer accounts and they have to charge the fee - hence send a cheque.

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Thanks for the responses - I have never had a problem with sending the money, but I do object to them not even acknowledging the letter or informing me that they cannot debit my account but to send another form of payment. Other than that can anyone see a problem with me doing this like this i.e. claiming for the last year and then putting in another claim when I finally get the other 2 years charges confirmed?

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

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No, not a problem. Or start a separate claim for it.

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Thanks BF it will give me great pleasure to give them some more admin work and headaches! :wink::D:D

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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  • 2 weeks later...

Update - Letter receive 01/04 providing copy statements from Jan 03 - Feb 2005 (I already had statements from Feb 2005 - date). During the above period a further £1057 was taken in charges.

 

BF replied to a previous post saying that perhaps I could put in two claims, however, what if, they settle the first one and say that it is in full and final settlement of all further claims? Can they do this, or will I be ok putting in 2 claims, or should I write and say that I have now added up the further charges and am therefore claiming both amounts added together?

 

Advice please :-)

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

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Yes, they can say it is in full and final settlement but of course you don't have to accept the condition.

 

I can't remember why we discussed two claims but if your total charges stand at less than £5000 then run it as a single claim. Therefore if you have appraised them that you were seeking to recover a certain amount of money and that figure has since increased because they have levied further charges or because you have now received further statements then drop them a recorded delivery note letting them know but inform them that as they have taken no action on your existing claim that your deadline continues and that the clock is still ticking but on the larger amount.

Don't break step.

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Thanks BF I will.

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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  • 3 weeks later...

Sent letter before action to Halifax on 10th April. Checked my post box this morning - Nothing......

 

Am not sure whether I file my claim today or have to wait till tomorrow (15th day after posting recorded delivery)?

 

 

Hope this hasn't waffled on too much but would really appreciate some advice.

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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Have filed against the Halifax on the MoneyClaim online site this morning :-) - How long do they get now? is it 14 days to acknowledge?

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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Thanks for that Guadge - as you will see from my signature - I don't think the fact that they haven't replied is anything new!! - They have ignored just about everything from me so far..... Hey ho...... their choice - maybe they are just too snowed under to open their post!! LOL

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

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Oh good - hope they do ignore it then. Does that mean we just win by default or something? If it's any consolation, I did Nationwide at the same time, and they paid in full almost immediately! Good luck.

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Guest blindman
Have filed against the Halifax on the MoneyClaim online site this morning :-) - How long do they get now? is it 14 days to acknowledge?

 

They get 5 days before the claim is deemed to be served, then the 14 days begins.

 

If you submitted the claim before 09:00 today it will be actioned today, if not then it wil be actioned tomorrow.

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