Brit Vs Halifax

[emmaf01]

Your SAR covers ALL your account information- not just 6 years. So you have them for non-compliance.

 

Complain to the ICO, or court (depending on whether you can get to court, under the circumstances?!??).

[emmaf01]

Just a note to ask how things are going.

 

Have you had a chance to see about the missing information?

[Brit]

Just got my statements from my mum funny how they started the statements from the date I phoned them NOT the date they received the SAR in Aug 06.

 

But they still sent a 94d letter from 2000, so going to complain & when send letter asking for charges money back include the threat on the bottom, as they are conflicting information about how much information they hold on me

[emmaf01]

They really don't want to give us ANY information. If you submit a complaint to the ICO, there is a chance they will cough up more info.

 

I ended up putting a claim in for the info I did have, and I now have to wait for this game of chicken to end, before I can claim back the charges I found on the other statements they provided.

 

So I would NOT recommend this course of action if you can help it.

 

When you think that every day they do not cover with their statement- backdating, is more charges they can stop you(theoretically) from getting back, it is worth their while to stop you from getting this information.

 

They really do try every trick in the book.

[Brit]

Question; the 94d charges statement has charges listed for different dates than the statements, so technical can I request both charge lists, although they maybe the same ones ?

 

Ie.

 

31/04/2001 statement = charges as notified

01/05/2001 94d = charges as notified

 

after all they are providing me with a list of transactions & charges ?

[Dusary]

Mmmmm! Interesting one - I never spotted that in my statements (what statements I DID receive!) - but since you raised it - I realise that I had the same sort of things!

[emmaf01]

I haven't a clue on this one- I would probably list all the charges on both and ask for clarification on which is correct.

 

Either they went out of your account- therefore you were asked to pay them, or not.

 

With both, the Halifax are responsible for providing accurate information. If you list both on your prelim letter, include photocopies of both listings as evidence- then it is up to them to disprove their information, not you.

[Brit]

hmmmmm double the money back .

 

Cheers em

[emmaf01]

They have provided you with the info- if their info is inaccurate/illegible thats their problem.

[emmaf01]

Hope everything is alright- haven't heard from you for a while.

 

Got any money yet?

[Dusary]

I did!

 

Got some of my money back!

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/81108-dusary-bank-scotland.html?highlight=dusary+v+hbos

[Brit]

Been away on *cough* holidays of angry places, Have all statements, taken me a year to get this far, when I put my oiii I want my money back letter, how with this new test case stop, will this affect me.

 

Read the front announcement but understanding it is still a bit ???

[emmaf01]

The thing to do is just continue with your timetable as normal, just utilising some of the new templates on this site. Stays are being lifted in specific cases as judges are taking each case on its own merits.

 

Glad to hear your "holidays" have been finished successfully, ie with you in one piece!

[Brit]

cheers registered letter in today xxx

[sea-sidelady]

Have a look here to see if your court is staying claims..

 

http://www.consumeractiongroup.co.uk/forum/cases-stayed-pending-oft/109936-find-out-here-if.html

[overflow]

HI Brit

 

Just been reading your thread, blimey it took them long enough didnt it.

 

Dont they just try anything they can to slow things down or to hopefully (for them) to even put some ppl off claiming altogether.

 

Glad your finally getting somewhere, stick to your timescale and you should be ok.

 

Regards

[Brit]

Yay

 

First letter in today

 

Dear Mr Blah

 

Thank you for your communication, we acknowledge receipt of your complaint about bank charges. We Believe that your complaint concerns the level, fairness or lawfulness of the charges. If it concerns something else, such as an administration error, please let us know.

 

We believe the charges are fair, transparent and lawful, Please be advised the bank (along with a number of other banks) has now become involved in legal proceedings with the Office of Fair Trading (OFT) in relation to bank charges which we belive will resolve the legal issues regarding the fairness and legality of your bank charges.

 

It would be our normal approch to resolve your complaint through our internal complaints process as quickly as possible. However, until the determination of the legal issues in the above proceedings, we have asked the Financial Services Authority (FSA) to suspend the normal timetable for dealing with bank charges complaints, and the FSA has agreed to this request subject to conditions that protect your rights.

 

We can assure you we have registered and stored your complaint. Please retain your bank records, as this will make it easier for you to support your complaint on resolution of the test case.

 

Once the legal proceedings between OFT and the banks finish, we will resolve your complaint as quickly as possible

 

We are sorry that we have not been able to respond in full to your complaint now, but we (together with the FSA and the OFT) think that it is necessary to resolve the key legal issues before we decide how we should respond to your complaint.

 

Obviously exactly what will happen next will depend on the courts. We do not know how long the case will take - we have promised to proceed as quickly as possible but inevitably given the importance of the issues being considered this may take many months to finally resolve. But we can assure you that once the legal proceedings are completed we will resolve your complaint as quickly as possible. If at that stage you do not agree with our conclusions you will of course be able to refer your case to the Financial Ombudsman Service (FOS) (or to the courts).

 

Given this court case we have asked the FOS not to proceed with any other case they are hearing until the test case is resolved. FOS has indicated that as a general proposition it will indeed not proceed with cases which rely on the legal issues being considered in the test case.

 

Similary, you should be aware that if you choose to issue a claim in the courts, the bank will immediately apply to the Court for an order to stay your action until resolution of the bank's proceedings with the OFT.

 

....well few more day's until the LBA

[Brit]

Having a read of this; http://www.oft.gov.uk/shared_oft/press_release_attachments/bankagreement.pdf

 

Does this mean only Current Accounts are subject to this, so with my cash card account I can still proceed ?

[Brit]

Questions and answers for OFT test case announcement 26 July 2007

 

The Office of Fair Trading: Questions and answers for OFT test case announcement 26 July 2007

 

FSA grants waiver to firms on complaints handling

 

FSA grants waiver to firms on complaints handling

 

waiver

 

Modification by consent of certain DISP rules

[Brit]

Banks using the waiver

Bank : Ref : Start Date : End Date

1 Abbey Abbey National plc 106054 27/07/07 26/07/08

Abbey Cater Allen Limited 178737 27/07/07 26/07/08

2 AIB Group AIB Group (UK) Plc 122088 30/07/07 26/07/08

3 Airdrie Airdrie Savings Bank 204584 27/07/07 26/07/08

4 Alliance & Leicester Alliance & Leicester plc 189099 27/07/07 26/07/08

5 Arbuthnot Group Arbuthnot Latham & Co Limited 143336 01/08/07 26/07/08

6 Bank of Cyprus Bank of Cyprus Public Company Limited 204627 06/08/07 26/07/08

7 Bank of Ireland The Governor and Company of the Bank of Ireland 204721 27/07/07 26/07/08

8 Barclays Barclays Bank plc 122702 27/07/07 26/07/08

9 Citibank Citibank International plc 122342 07/08/07 26/07/08

10 Co-Operative Bank The Co-Operative Bank plc 121885 27/07/07 26/07/08

11 Coventry Building Society Coventry Building Society 150892 27/07/07 26/07/08

12 Cumberland Building Society Cumberland Building Society 106074 27/07/07 26/07/08

13 Danske Bank Group Northern Bank Limited 106081 27/07/07 26/07/08

14 Habibsons Habibsons Bank Limited 188585 17/08/07 26/07/08

15 Harrods Harrods Bank Ltd 204479 09/08/07 26/07/08

16 HBOS Halifax plc 106048 27/07/07 26/07/08

HBOS The Governor and Company of the Bank of Scotland 169628 27/07/07 26/07/08

17 HSBC HSBC Bank plc 114216 27/07/07 26/07/08

18 Leeds Building Society Leeds Building Society 164992 27/07/07 26/07/08

19 Lloyds TSB Lloyds TSB Lloyds TSB Bank plc 119278 27/07/07 26/07/08

Lloyds TSB Lloyds TSB Private Banking Limited 122676 27/07/07 26/07/08

Lloyds TSB Lloyds TSB Scotland 191240 27/07/07 26/07/08

20 Marfin Popular Bank Laiki Bank 202649 27/07/07 26/07/08

21 National Australia Bank Clydesdale Bank plc 121873 27/07/07 26/07/08

22 Nationwide Nationwide Building Society 106078 27/07/07 26/07/08

23 Northern Rock Northern Rock 106081 27/07/07 26/07/08

24 Norwich and Peterborough Norwich and Peterborough Building Society 150965 27/07/07 26/07/08

25 RBS The Royal Bank of Scotland plc 121882 27/07/07 26/07/08

RBS National Westminster plc 121878 27/07/07 26/07/08

RBS Ulster Bank Limited 122315 27/07/07 26/07/08

RBS Coutts & Company 122287 27/07/07 26/07/08

RBS Adam & Company plc 114724 27/07/07 26/07/08

26 Secure Trust Secure Trust Bank plc 204550 27/07/07 26/07/08

27 Whiteaway Laidlaw Whiteaway Laidlaw Bank Ltd 204574 06/09/07 26/07/08

28 Yorkshire Building Society Yorkshire Building Society 106085 06/09/07 26/07/08

Yorkshire Building Society Accord Mortgages Limited 305936 06/09/07 26/07/08

[overflow]

Hi Brit

 

I think you are right that it doesnt affect C.C accounts so you should continue.

If Im wrong some one will correct me.

Regards:)

[Brit]

Well since receiving my reply I've had a few charges added but in last few days for small paypal amounts being refused, Ive been given an early Christmas present of -£138.00 (sofar). So pressing on. Hum Bug

[**Tilly**]

hi brit

dont forget keep adding those charges on right up up until you file in court:D

[Brit]

After reading today about the banks trying to get out on stays, I'll be pressing on, specially after christmas break

[sea-sidelady]

Glad to hear it.....