Reclaim Halifax Loan and Mortgage Charges

[dx100uk]

18D

72D

34D

4CD

3CD

 

all are unlawful charges and can be reclaimed

 

what are those insurance charges on statements from page 8??

page 2 says NO INSURANCE taken out with the loan...

 

can we have the comms or account log please

[D.J.F.]

Hi Thanks for that. 

 

These are the titles of the other enclosed docs which hold generic info about me, rather then about the account. 

"Information held on the Customer system"

"Information held on the Customer Insight system"

"Information held by our Personal Lending Decisions Dept"

"Information held on the Common Processing system"

 

Plus some correspondence between Halifax and a claims management company that sold me a dream, but amounted to PPI reclaim. This faded away and I ended up successfully claiming back ppi myself. 

i can show you any of these but there's nothing in them, except personal details really. 

 

No comms logs, no copies of letter sent or received, No transcripts of phone calls.

 

They've said (on the phone) that that's all the information they have.

 

Do you think I should write to them to confirm that's all the info they have in writing?

[dx100uk]

one of the above will be the manual intervention log whereby it details the actions and notes taken by the bank on the account.

you need to find mention of the default notice 

you have 2 sars now, it must be there.

 

 

 

[D.J.F.]

It's not in the latest one, which is requested pertinant to that account only,

 

(because) 

 

the earlier sar i requested is 10 inches thick, and all mixed up, but I went through it and found nothing more relating to this account.