Best of luck with yours and have a nice holiday, i can't afford one cos all my money went in charges:lol:

Received NI from the courts today, feels wierd me suing the bank, it states "Your claim was issued on 25th July 06 The court sent it to the defendant by First class post on 27th July 06 and it will be deemed to be served on 31st July 06. The defendant has until 14th August to reply." YESSS i feel so much better after going to court.

Hi, I'm at the same stage as you and sent them 7 day lba and still no response, so filed at court, read my thread, I stated a value of £10 to cover legitimate expense which i have receipts for, but the main reason is obviously the data, just received my papers from the courts today, states the halifax have until 14th Aug to reply, I would'nt give them any longer and file, as long as you have followed the correct procedure and time scales ie, have you given them the 40 days, then the 7 days for Lba, if so file your NI form

Latest report of my long saga is, guess what? still waiting, after the court told me a few days, been waiting for post. still waiting so phoned county court today and told it was served to Halifax on 28/7/06 and issued with case number so again got to wait, don't quite know what to expect now. Filled in an online complaint to I.C about Halifax's total disregard and contempt for the legal process in a strongly worded letter and stated I expected an urgent look at their stalling tactics, so let you know the next stage as and when.

Hi Just posted my update i'm about the same stage as you but they appear to be using stalling tactics so i sent LBA about Data protection giving them 7 days and still no response so filed county court action, see if that does the trick, i would suggest you take the same stance as they think they are above the law. Good luck

Well I've submitted court papers yesterday, stuck with the £10 value, but when i first spoke to a very nice girl she didnt really know how to proceed so she asked someone else was this a "specified or unspecified" and the reply was specified so it was £30, I gave them the 3 copies i had and told me i would receive one with details of case no etc in a couple of days, so now we wait again.

Hi, Thanks for replies, I have just filled in N1 form and will be taking it to court Tuesday as its the first chance i have got, i have put a value of £10, i think thats fair as its cost me £8.20 for registered post twice plus stationery what do you think?

Well today was the date and no post, so should I give them an "extra" day and file court on Monday or just do it tomorrow, I'm just annoyed that they seem to be happy to flout the law and play with peoples nerves. How do i file for the courts ? is there a special form I need from the courts for this. Apologies if it sounds if I am thick but a heavy workload at present and could do without the extra stress, but I am determined to see this through even if it means going to court, any help and/or advice I would really be grateful for.

Its been 4 days since receipt of letter threatning court action against them for DPA default, and still no response, sweating abit now, and not just this heat???, can't seem to find a post relating to actual court action, has anybody been that far? I notice that there have been a few recent positive outcomes so am I just unlucky (as usual)

Well I posted my letter at 12 noon yesterday Special Delivery, and its already been signed for at Halifax HQ, worth the £4.10 just to see Royal mail do its job properly, and reduce the banks timewasting, so its 7 days or court, await the next instalment

Statements usually state " Charges as Notified" £28 for going overdrawn or over overdraft limit and £39 for unpaid D/D. I would suggest you read the FAQ and browse about, as I am no expert so don't want to put my foot in it by giving incorrect advice.

Well hello again, been a bit hectic with work lately and waiting the deadline for Data Protection Act which was 10/7/06 so hav'nt had much to report, however as the deadline has passed and I have not received any further correspondence from the bank I thought I would check what my next option is. After reading the thread about the Information Commissioner being inundated and not very effective, I have decided the only way is the tough way, and so have prepared a copy of the template No3 to send. LETTER BEFORE ACTION [deleted] My problem is how, if the bank does not comply after this letter, do I seek this Court Order, is there a thread that someone can kindly direct me to and has anyone had to resort to a court order to obtain satisfaction or have they fullfilled their obligation before the 7 days, any help would be appreciated before I send letter. [MODERATED: Letter templates are available from the templates library for registered users only]

Hi again, Just an update so far, received reply today, usual blurb it seems signed by a Mr Boothroyd, Data protection consultant. Dear Mr******** Thank you for your letter requesting specific information on the above account. I confirm that copies of duplicate statements have been ordered and will be sent to you under seperate cover at the latest by 7th July 2006. With regard to your request for information regarding manual intervention on your account, HBOS plc is under no statutory obligation to record this information and therefore I am unable to assist further with your request. Blah blah blah and the now famous Personal Customer complaints leaflet. Thats were all the money is going, to pay for these leaflets. Opened another bank account just in case it gets messy. By my reckoning 10th July is my 40 day deadline so we'll wait and see. After sending my DPA we started having 4,5,6 calls a day from Halifax so the wife read them the statement about taping calls, Administration of justice Act 1970 etc, and when she asked if they were clear on this matter the woman from the Halifax said " Well we will still ring", My wife was bouncing, but no calls since. DPA sent registerd post 31/5/06 DPA acknowledged 16/6/06

Hi to everyone, First, I shall say what a fantastic forum this is as, asides from the obvious, it is interesting and informative and often funny, (no offence intended). I sent off my DPA as per library template on 30/5/06 by registered post (£4.10, was going to pay by cheque but it would cost me a further £39 for bouncing it), and was surprised that it was received and signed for at 8.45an on 31/5/06, is that a record for Royal Mail? Now awaiting my statements or response will update accordingly. Currently 19p over my £500 overdraft limit because of their charges to which they are going to charge me again £30.

Hi, Have not long found this site and have recently sent off my DPA from library template by registered mail, apparently received by Halifax on 31/5/06 so now waiting. The title is a result of a snippet that I read in the Mail dated 3/6/06 which says "Banking group HBOS is reducing the penalty fees charged on its credit cards for people who exceed their credit limit or make late payments from £25 to £12 from the beginning of August. Barclaycard, Lloyds TSB and HSBC have also announced plans to cut their charges " Is this their attempt at placating the OFT or making them look good to the consumer?