Liasmum v HBos

[allybee13]

I've complained to the Information Commissioner about Halifax. I suppose that's the only thing left for you to do.

[Liasmum]

How long will that take though? Im going to phone them in next ten min and see what they say

[Liasmum]

Ok phoned customer services and the guy was shocked.He put my statement request down as an urgent case and i will allegedly have them ny friday.We will wait and see.

[allybee13]

You might be lucky. I sent off my DSAR on 9th Feb and didn't get my statements for ages, but my brother phoned customer services and had his within 2 weeks.

 

I'm still waiting for my Halifax CC statements though (since 9th Feb).

[Liasmum]

Well still no statements from HBOS so i have e mailed the noncompliance letter to customer services and i am going to phone them again tomorrow.Why do they say you will have them within a week knowing full well its cr@p

[Liasmum]

Phone customer relations again today and the woman tried to fob mr off saying that they are behing with sending out statements and they are dealing with ones from the end of march to the beginning of april. As i pointed out my letter got to them on 24 th march so surely i should have mine by now.Once again a request has been sent for me to get my statements so i now have to wait another 7 days to see if they arrive.I knew this was going to be hard grrrr.Lets hope all 3 requests dont arrive the same day lol.

[stevokenevo]

Hi, you are one of a minority of people who dont get the info in time, i wouldnt take it personally ;-)

Still there are no excuses and i would fire off a complaint to the information commisioner if you have not already done so.

I can only imagine how frustrated you must be, but on the + side, you have had some extra time to get your head around the next couple of stages.

HAve you got your prelim drafted? you should have that ready so you only have to fill in the figures when you get them.

Have you decided if you are claiming including contractual interest?

If so, you should have the idea behind it straight in your mind, it took me a while to get my head round it, but once i did i wished i'd used it for my initial claims!.

 

See, you have plenty to be doing while you are waiting ;-)

 

S

[drjimbo]

Hello,

 

I have just joined CAG today. The story so far: Have sent letter to HBoS asking for statements (late March) and my cheque cleared my account on the 13th April. Sent them another letter today reminding them of my request and that they have until 23rd May (40 days from cheque being cashed)or i will be contacting the IC. I estimate that over 5 years ive paid ~£3000. A couple of questions:

1)Advice as to whether to stay Small Claims and go for only £750 or go higher for £1500. Obviously want as much as possible with minimum risk possible.

2)May sound stupid, but if staying Small Claims, is the £750 total or can i add the interest on to that figure?

 

Any advice or links would be most appreciated.

[Liasmum]

Just my luck stevo lol nothing ever runs smoothly for me.i sent my non compliance letter today so they will have 7 days from tomoz to get my info.

[Liasmum]

Well i recieved my statements today.Wooohoo i thought. opened them and they are only from 2004.soooooooo on the phone i go again and the woman says i should have the other 3 years by the end of the week.I wont hold my breath mind.Mine came in 1 big envelope not loads like others have.They have till friday or bk on the phone i go.

[allybee13]

I assume it's your Halifax statements you've received then. It took them a few extra days to send out my BOS statements as the data is held somewhere else and takes longer to access. I phoned them when I received the Halifax ones and asked why I'd not got my statements back to 2002 as requested - that was the explanation they gave me.

[Liasmum]

oh i never thought of that that woulda been time of the merger.they have till friday to get them to me.

[Liasmum]

well i got all excited when the post came today.12 envelopes of statements i thought woooohoooooooooo. you wont believe this but its the 3 years i already have. so once again on the phone i go.

[Liasmum]

ok been on phone.The reason i havent got the 3 years i need is cos they are bos ones and are on a diff system.2004 was the time when they merged with halifax. hes put a request in to the administration dept so i just need to sit and wait AGAIN.Grrrrrrrrrr lets hope all goes well this time.

[eileen58]

Hi Liasmum, Why don't you write to the ICO and complain about non compliance. I had to do this for my son. I also told the bank that I was doing this and before you know we had 2 lots of statements. My son's claim is over £3,000 so we are having to go down the FOS route and it was good to be able to put in the non compliance letter with our claim. Every little bit helps.

 

Eileen

[Liasmum]

I wrote to them during the week lol.I got the rest of my statements this morning which are photocopies whi they guy yesterday told me he would get.Anyway im a bit puzzled cos in the same post i got a letter saying we are sorry to hear you are unhappy with our charges but we think they are fair blah blah.Bear in mind ive not written my first letter.My question is do i now go ahead with my LBA now.

[eileen58]

Hi Liasmum, definately go ahead with your LBA because you have to tell the bank how much exactly you are claiming. When the bank writes back with a no answer you can then go down either the court of fos route depending on what your balance is.

I have had to go down the fos route because of the size of the claim, but because the bank said no I included in my complaint my spreadsheet, my no letter from the bank and also the letter that I received from the IOC concerning the non arrival of my statements. All of these are good letters to back up your claim.

 

Eileen

[Liasmum]

Thanks Eileen i ll get it in the post tomorrow. My clain is only £434 but its better in my pocket than it is in theirs.

[Liasmum]

Just posted my LBA so fingers crossed i dont need to go to court.