Urgent Advice Please BW Legal - Lowell & County Court Claim

[ditzee]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Hopefully the SAR response may help further clarify things! Any hints at completing the questionnaire from the court which needs to be replied to by 7/9/2015? :beagle:

[Berniethebolt]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Yes the closing amount is the amount being claimed but for 6 months the only movement on the account was fees and interest so I suspect that towards the end of that time the account was defaulted.
I am wondering if there is a specific format for the NOA or specific words that need to be used

[nemesis45]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

nem

- - - Updated - - -

The reason this statement make me suspicious is the it only covers one year and only shows
the balance now being claimed ( I think that's right, but the site is so slow I can't look back through the thread.)
A litle to convenient?

nem

[Berniethebolt]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Hi
As promised I have dug out my statement provided in my case by 1st Credit. It is almost identical although it covers a much longer period . It is headed statement 0 and the format is the same. It also includes interest rates. The3 only difference on mine is that it shows a closing balance of £0 which 1st Credit claim is just an accounting thing. If you want me to post up the cover page I can for you to compare, but it is in total 27 pages long

[nemesis45]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Hi Nem

I scanned and had the document redacted by Kati as having problems with Windows 10 at the moment. The actual statement does show the branch of the bank and sort code, IBAN and BIC - whatever these are! The statement numbers are as they appear. Sorry to say I am unable to reconcile transactions and dates as I was ill at the time. :noidea:

Ok not much to go on there!
I'll get back to you.

nem

[ditzee]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Hi Nem

I scanned and had the document redacted by Kati as having problems with Windows 10 at the moment. The actual statement does show the branch of the bank and sort code, IBAN and BIC - whatever these are! The statement numbers are as they appear. Sorry to say I am unable to reconcile transactions and dates as I was ill at the time. :noidea:

[nemesis45]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Morning Nem - did you manage to liaise with your colleague regarding the bank statement's appearance? Received Court's Directions' Questionnaire today which I need to get posted by 7/9/2015. Can you please clarify how I should reply regarding section D of the questionnaire and any other helpful hints on completing the questionnaire? :bump2:

Yes they have some points that may help.
1. they would expect to see a Branch Header on the statement. (did you edit the other branch details out? These should be showing!
2. The statement number 2. points. 1. it's 0 if this is an annual statement it should have a positive number 1- 2-3 etc. Monthly statements would also be numbered consecutively.
Comment " this looks like a repopulated statement form not one from a standard statement run"
Question can you reconcile the transactions and dates?

nem

[ditzee]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Morning Nem - did you manage to liaise with your colleague regarding the bank statement's appearance? Received Court's Directions' Questionnaire today which I need to get posted by 7/9/2015. Can you please clarify how I should reply regarding section D of the questionnaire and any other helpful hints on completing the questionnaire? :bump2:

[ditzee]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

SAR request posted registered post and used second SAR letter. Look forward to hearing from you Nem later today when someone has looked over my photocopied bank statement evidence from bwlegal :tea:

[nemesis45]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

This is the second SAR request I have drafted - should I use this or one I just posted please?

Both are OK No2 would be my choice.

nem

[ditzee]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

This is the second SAR request I have drafted - should I use this or one I just posted please?

[nemesis45]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

HI, Just dealing with my SAR now and have addressed it to Data Controller of HBOS PLC at The Mound, Edinburgh - hope this is the correct address - going to send £10 postal order so can you please confirm it is ok to leave the postal order blank in payee part? Going to send recorded delivery.

Following is draft of the document minus my personal details - can you kindly confirm this looks ok?

Yes leave Payee blank on PO endorse with " For Statutory Fee Only" and photocopy before sending.

nem

[ditzee]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

HI, Just dealing with my SAR now and have addressed it to Data Controller of HBOS PLC at The Mound, Edinburgh - hope this is the correct address - going to send £10 postal order so can you please confirm it is ok to leave the postal order blank in payee part? Going to send recorded delivery.

Following is draft of the document minus my personal details - can you kindly confirm this looks ok?

[nemesis45]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Thank you I would appreciate an expert eye over the statement. I too am confused as to the frequency and amounts of interest charged over this 12 month period - seems excessive - this is the period just before I suffered what most people refer to as a "mental breakdown". I suffered multiple bereavement, breakdown of marriage, loss of my home and finally my job in this 12 month period so I cannot recall if I ever contacted the bank about my situation.

I'll get back to Tomorrow pm Ditzee.

[Berniethebolt]

Re: Urgent Advice Please BW Legal - Lowell & County Court Claim

Ditzee
They add charges every month and for every item returned or paid when you are over any authorised O/D. I certainly do not agree with it . Between 1/12 and 31/3 the following year those B******* charged me £414 in fees let alone any interest.
I think you have said you are sending a SAR to Halifax so any letter or conversation like that should be recorded,