HFC BANK Re:- Charges and DN.

[Tingy]

Well, not quite. Under Section 13 of the DPA you are entitled to compensation for their non compliance. You can force compliance either by taking them to court or by complaining to the ICO. However, the ICO cannot award compensation but is free. Court can award compensation but costs you money. The choice is yours.

Edited May 10, 2011 by Tingy
typo

[twoman]

Hi Tingy,

So what is the point in having rules and regs and yet when you request something like a sar they can do what they like.

Surely by cashing my PO sent with my request that can be construded as accepting my request and they should comply.

[Tingy]

I'm not disagreeing with you at all. I'm just stating what I believe to be the law. I guess the answer to your question is that there is a route that enables you to claim compensation, so you can choose to take that route should you feel strongly enough. Alternatively as I said, you can ignore compensation, but seek enforcement through the ICO. More bad news - the ICO has a long backlog I'm told at the moment, possibly around 4-6 months, maybe someone can advise?

[twoman]

Hi Tingy,

Lets just hope they comply nonetheless i'm prepared for a long drawn wait if necessary.

Your advise much appreciated as always.

[Tingy]

It might be worth the cost of a stamp to send them a letter saying you sent them an SAR request on dd/mm/yyyy and that the 40 day deadline has now passed. If they don't respond within x days you will be taking court action to ensure compliance and to claim compensation.

 

I've never had to do it, so don't know whether it would work, but might be worth a go.

 

Good luck! I can almost hear you growling from here!

[twoman]

Hi Caggers,

Ok SAR's request arrived this morning.

No default notice letters included in paperwork.

Sent paperwork for two accounts we had with them..one fully paid up other in dispute (£123.00).

Q, WHAT CHARGES CAN I CLAIM FOR...and can i re-claim charges on both accounts?

[dx100uk]

ALL FEES 'late/over/missed/ DD fail/ cats died

 

all they have to indicate is the automatic process generated a DN, no it actually existing.

 

yes you can claim ANY account

 

 

dx

[twoman]

Hi DX,

Ok,i've read through the sar's they sent today.

A couple of observations..there is no paperwork in relation to written correspondance between us,

there's no DN's...(already answered...i think)

there's no paperwork from RESTONS.

there's no court paperwork even though at one stage there was a CO placed by friggin Restons.

I have also added up all the extra fees on both accounts and can you advise what my next steps are now please.

[dx100uk]

knock up a schedule of charges

 

you've been here long enough to know how to use the adv search top right and read a few threads

 

you've mentioned a CO? and two a/c's with them

 

i've looked around your numerous threads and cant find any history on the debts.

 

you really are a bax od frogs!!! sooooooooooo many threads .

 

you really need to try and keep to one thread per 'debt'

 

or if one does not exist

 

start one for each debt in the named forums for the creditors

 

and tell the whole story and post up sanitised letters etc

 

then we can all be better informed to advise you.

 

dx

[twoman]

Hi DX,

Ok, let me explain and hopefully this will clear everything up.

Put account 2 in dispute with HFC when i found out about the outstanding amount was £123 of which £101 were charges.After advice from caggers i sar'd them,received yesterday.Hfc sent the info on 2 accounts although i was only expecting info for acc2.Account 1 was long before i found CAG which is fully paid up now but during the course of the agreement we had a CO placed on our house due to missed payments etc and this was done by RESTONS who got involved with acc2 which they passed back to HFC in NOV 2010 with £123 o/s hence never mentioned acc1 as it was a long time ago.

Hope this makes it a little clearer.

As far as re-claiming goes this will be the first time i have done this and just wanted to make sure that i use the correct template / letter.

[twoman]

[dx100uk]

so what type were the accounts

 

cc

loan

bank a/c

dx

[dx100uk]

loans by the look of the DN.

 

at their loan int rate from the date of each charge to the date of your claim.

 

dx

[twoman]

Hi DX,

One of them was a loan which we had to pay cc's off and the other was a pc world agreement for a lap top.

[twoman]

Hi wj,

Do you have a ccj / charging order from restons for the debt you owe to hfc.?

[twoman]

Hi DX,

When i've added up t charges etc for each account what's the next step as far as adding charges (interest) etc.

[dx100uk]

look!

[twoman]

tks dx

[twoman]

Hi DX,

I've now done the re-claim xls form,q,who do i now send it to?

[dx100uk]

hfc

 

if you want to put up the soc for checking please do

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

id also ping ims21

 

he has joined the anti HFC club and is very good on SOC's!!

 

dx

[twoman]

ok give me 5 mins and will post

[twoman]

Hi DX,

Spreadsheets attached.

[twoman]

DX,

Do u need to see copies of each agreement aswell.

Edited June 11, 2011 by twoman
missing word

[twoman]

Hi DX,

Can you advise where i should send the recalim,to the OC or some other body?

[dx100uk]

always the oc with a copy of the filled out fos ppi complaint form

 

i have removed the attachments as it showed A/C numbers

 

can you post them up with out id and ims21 or myself wil check then.

 

dx