stonedecroze v halifax 2

[stonedecroze]

Today I received 2 letters from Halifax.

Letter 1 informing me that I will receive S.A.R - (Subject Access Request) details within next 40 days. (I had this about three weeks ago) Does this mean that the right hand is unaware of the actions of the left?

Letter 2 Informing me that all charges have been correctly applied (usual fob off letter).

In view of the fact that they have replier to my request for payment within the 14 time limit that I gave them, can I now press on with L.B.A. (letter before action) earlier than the 14 days?

[**Tilly**]

hi you give them 14 to days to reply so if they have replied to your prelim you now send of your lba and ignore any of there fob letters its your money and you want it back

[stonedecroze]

Thanks Tilly, thats what I thought, Just wanted to make sure.

[**Tilly**]

keep us all posted

[stonedecroze]

I certainly will, I am not expecting this one to be as easy as my other two claims have been. I think that that I will have to go oll the way with this.

[**Tilly**]

thanks for the click:)

[stonedecroze]

I am now girding my loins to prepare for court action, and I have a couple of queries.

1) I am taking this action on behalf of my son, and will probably appear in court on his behalf. Can I do this? Do I need to get a letter of authority from him to act on his behalf? :?

 

2) Are there any links?help pages on how to fill in all the forms etc. or downloadable blanks this I can fill in on my computer to print off? and if so should I print off at least 3 of each (1 for me, 1 for Judge and 1 for defendant) and should I print 1 extra for my records? ?

 

 

I am moving into new ground for me, and am a bit unsure where to go next.

L.B.A. was delivered on Monday 9th July , and due to Posties justifiable industrial action I will give Halifax a couple of extra days to reply.

 

Thanks for any and all help:D

[Dusary]

I dunno' about#1. I'd imagine if you got wrotten authority, then that would be alright.

 

For #2:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

and yes, 3 copies.

[stonedecroze]

I will get written authority from the lad, (I don`t think rotten authority will go down too well ) Is it also worthwhile mentioning that whilst a member of the Subject Access Request Team from the Trinity Rd. address sent me the information requested in my S.A.R - (Subject Access Request) (Subject Access Request) after 57 days had passed and I had lodged a complaint with the Information Commissioners Office, 12 days later Carole Ward ( Data Subject Access Request Manager) sent me a letter informing me that I would receive the information requested no later than 40 days from the date of receipt of my original request (This 69 days after the date of the request). Does she not know what is going on in her team? (We all Know this to be true, the right hand does not know what the left hand is doing) would it help or hinder my case to show the Halifax as INCOMPETENT !! or do I leave it out and mention it at the hearing (if it gets that far)?:twisted:

[stonedecroze]

I know that strictley speaking that I should not us this thread to ask about others BUT.......

10 years ago before I moved up north I lived in the Channel Islands and had an account with Lloyds TSB and a business account with NatWest both of these had charges against them, If I can get the account numbers can I start actions against them through head office, which are here in England,

I Do not think that I can from Guernsey as the laws are different there and much more in favour of the Banks :p

[moneyhelp]

There's a link here http://www.consumeractiongroup.co.uk/forum/lloyds-bank/7935-channel-island-account-holders.html?highlight=Channel+Islands the only one I can find at the moment - not much info there really either

[moneyhelp]

Another here http://www.consumeractiongroup.co.uk/forum/general-debt/46337-offshore-account.html?highlight=Channel+Islands

[stonedecroze]

thanks for those 2 moneyhelp, I think that if I can find the details of my old accounts that I will give them a try though my local county court. If I do go down this route I will open a new thread.

[jontah 2006]

hi, i too am representing my son.i was allowed to by both the banks' barrister + the judge; ONLY on my 'say-so!i produced the letter + NO ONE looked at it!!

[stonedecroze]

Thanks jontah, My son is in his thirties, so therefore I am expecting some objection from the bank to my representing him as he is "big and ugly enough to do it for himself"

[stonedecroze]

again jontah, can you or any one else offer advice on the wording of the letter? thanks :-?

[jontah 2006]

straight -forward + short. they won't ask for age. they did not look at my letter.1)adddress2)date3)topic:4) son vs bank 5)to whom it may concern 6)dear sir or madam,i am authorising my mother mrs josephine bloggs,of the above address to represent me and my interests, as required by the court in the above matter.i am in the middle of my final exams at joe university in leicester.therefore, i am unable to attend court in person.i thank the court for their understanding.i remain,yours faithfully,junior bloggs.witnessed by jnr's papa 7)signed my papadate

[stonedecroze]

Surprise !! Suprise !!! today 19 July I received a letter from Halibut`s Trinity Rd. address as follows,

 

" Dear Mr. Croze

Information Commissioners Office ( Information Commissioners Office) complaint

Please find enclosed your outstanding infomation.

The Data Protection Act provides individuals with a right of access to their own personal data. Your information may also contain personal data about a third party. If we have not received their consent, we will have considered whether disclosing this information would breach any duty of confidentiality to that person.

 

If you would like a copy of our Data Protection Notification details which have been registered with the Data Commissioners Office, you may view this on the Internet at Information Commissioner's Office - Information Commissioners Office. alternatively, please let me know if you would like me to forward a copy to you.

 

I am sure you will find the contents self-explanatory however, if you have any data protection queries relating to the information provided, or believe anything to be inaccurate, please contact me.

 

Yours sincerly

 

Richard Ingham (This typed. NOT SIGNED )

 

 

Richard Ingham

DSAR Team Manager

Customer Relations "

 

 

Attached to this is list of charges, giving date amount DR

01/01/01 39.00DR

All this only 89 days after receipt of my original S.A.R. and about 20 days after some one else on the same team had sent me the same information. But still not the full information that I asked for, I wanted Statements ( still do! ).

Are they really this badly organised

 

Boy is somebody in far a shock cos I`m taking my N1 down to the County Court first thing in the morning, (if I can manage to get it sorted properly)

 

That might wake them up!!!

[moneyhelp]

Are they really this badly organised

 

 

Yes!

[stonedecroze]

I`m not really that sure. I think it may be a deliberate ploy by Halibut`s just to mess us around hoping that we will go away:eek:

[moneyhelp]

:o How can you say such things about Howard and his buddies :o

 

 

 

 

 

 

 

 

 

 

 

 

[stonedecroze]

and he seems such a nice bloke. does anyone have any idea if I can claim for post, stationary and time spent on reading up and writing said letters? and if so do I just add to value on N1 and attach breakdown list and receipts etc? I can see a long night ahead filling it all out. Have to lay off the falling down water.:evil:

[stonedecroze]

Well, wish me luck folks. I`m just setting off to County court to file N1.:o Won`t be long now, (I hope).:lol::lol:

[Dusary]

!!!Luck!!!

[moneyhelp]

It is a GREAT feeling, you will skip out of the court house with your head held high

 

Go get em!