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    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
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    • We have finally managed to obtain the transcript of this case.

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Beglan vs Halifax - SETTLED IN FULL


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Hi all

 

Sending DPA letter off tomorrow recorded delivery (should I send to head office or local branch? or both lol). In the statements I have which cover the past year, there are charges totalling 1200! Will keep updating as my case progresses :)

 

Gemma

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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I took my first letter to my local branch by hand, because all corresponds from Halifax come from there and advises me to contact them if I have a problem.

 

They will send it to the right place and from then on you should receive a direct address from whoever writes back to you

 

Good Luck.

Best Regards<br />

<br />

Clarkey1<br />

<br />

<b><font color="red"><img src="images/smilies/laugh.gif" border="0" alt="" title="Laughing" smilieid="25" class="inlineimg" /> <u>If I have helped then please click on the scales</u> </font></b><img src="images/smilies/laugh.gif" border="0" alt="" title="Laughing" smilieid="25" class="inlineimg" />

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  • 2 weeks later...

UPDATE:

 

Just spoke to local branch on the phone as head office said they hadn't scanned my letter in (surprise surprise!) and was told a confirmation or receipt letter was sent out to me today (only a week later wow) and because of the complexity of my issue (errrr not really, I just want a batch of statements!) my letter is being forwarded to customer relations lol.

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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Oh my goodness, today to my surprise received a free list of charges along with a first offer of 500 quid! Of course I will turn it down, but it was very quick. Blimey, I am shocked!

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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I have read through the FAQs but it seems Halifax have responded to me in an unusual manner in that a) they have sent me a breakdown of charges saving me the hard work of doing a spreadsheet, and b) they have offered me a settlement figure at such an early stage.

 

Soooo...my question is, what should I do next? LBA seems innapropriate unless I edit it to include "i accept your offer of £500 as partial settlement blah blah blah". Or should I go straight to preliminary letter?

 

Please advise, many thanks.

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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posted LBA - don't waste any time, me!

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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erm.... you should really post the prelim letter first. if it does go to court the judge would want to see that you played fair and square and given them enough time.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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Just read your post again... you do understand the preliminary letter is the first one you send and the LBA is the second (letter before action)?

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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yes I did understand that, but as they have already offered me a settlement figure, the prelim seemed inappropriate when I read it through.........

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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hmmm.. well good luck. All I will say is that the procedures are there for a reason. They are a tried and tested means of reclaiming your money. We don't want the banks to jump on something which would allow them to worm out of it. Still no point crying over spilt milk.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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damn...i thought it depended on the individual case as they seem to have responded differently from the other cases I have read up on. Never mind. Will see what they say and if need be give them an extra 14 days. Thanks.

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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Oh well, knew SOMETHING would spoil my good mood, gone and put my foot in it now :(

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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Wouldn't worry too much about it. You can always send them a final LBA saying you really really mean it this time.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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Thanks, was thinking of doing something like that so they get their 28 days. £2200 is a LOT of money for me to lose out on so not giving them any excuse.

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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:razz: delivered this morning

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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  • 2 weeks later...

Received 2nd offer this morning of £1056. Wonder where they get these figures from lol?!

 

Anyway, much as the money NOW would be nice, I am of course turning down their offer in favour of the FULL amount (around £2500 now). 14 days up tomorrow so sending out a final LBA today.

 

Cheers guys, put me in a good mood ;)

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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has anyone else had head office harrassing them? If I answer they usually hang up anyway before saying anything. Think they have me on auto redial! They have already called my mobile 3 times today, and prob house phone too. Not nice for my family. I did speak to a stunned chap there and informed him that once my charges were refunded in full my unauthorised overdraft will be repaid in full :O lol

 

Seriously though, these people call at 8am, they call on Sundays, it is harrassment grrrrr oh and the number is 0870 850 3492 are they calling you??

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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  • 3 weeks later...

Just doing moneyclaim now.

 

I have put together schedule of charges spreadsheet but is there somewhere for me to attach this as a file, or do I need to print off and send to the court where I am claiming?

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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Claim Requested - 6QZ51191

 

:razz:

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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Claim issued :p

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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Good lord, am amazed, just checked to see status of my claim as it was due to be served today and Halifax acknowledged it on friday 4th! Blimey it was only issued on the 2nd :) I have had a rubbish weekend as I lost a job so this is really great news wahoooo! The way they are paying out so quickly I may even get my payday this week lol :D

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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Just thought id post on your thread - easier to keep track - still not had anymoney paid in yet, i think they have paid claims acknowledged on the 2nd today so hopefully we will get our money on wednesday ill keep ya posted!!!!

;-)

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Glad to find someone at exactly the same stage as me, hun!

 

Have you had a letter from them yet saying they are settling? I haven't so hoping for one tomorrow...

 

Ooh isn't it exciting lol :D

  1. 09/08/2006 - Halifax Account 1 settled in full! £2597.50 :D
  2. 05/10/2006 - Halifax Account 2 settled in full after Prelim ;)
  3. 07/02/2007 - Halifax Accts 1 & 2 further charges - won by default, settled in full
  4. 12/02/2007 - Halifax Account 1 - further charges whilst 3. court claim progressing. Settled in full.
  5. 13/11/2009 - Halifax Account 1 - action begins to fight new overdraft charges

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