Urgent Advice Please BW Legal - Lowell & County Court Claim

[Kati]

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

....

[Berniethebolt]

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

Make a considered and relevant comment on dangerous advice luckily it seems Ditzee is wise to your bad avdvice.
I have no need to " score" points about anything unlike you.

nem

Oh grow up
I have tried to give Ditzee some options, explained why the account is unlikely , nah impossible to be SB . Unlike you I do not give advice I explain options. I am not offended if Ditzee doesn't take notice of my opinions, did you know that IF they claim PIP and get it it will add over £100 a week to their income without any downside in other income based benefits-hence if it is feasible it is worth looking into. The fact they are in the support group suggests that the illness is quite severe.

[ditzee]

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

Morning FlamingParrot - so it would appear that I need to write to the data controller of HBOS at the Edinburgh address? Will draft a letter up soon and post

- - - Updated - - -

Hi Berniethebolt - I will start reading up on PIP and gather further information on the subject - I have nothing to lose by gaining some knowledge from those individuals who have recently been through the process!

[nemesis45]

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

Hello Ditzee,

Clarification please:

Does the statement provided look anything like those you would have routinely received?

nem

[Berniethebolt]

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

The statement is certainly a standard Halifax statement however as for the contents that is up to Ditzee. I banked with halifax for several years in between 2000 and 2010

[ditzee]

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

Hi Nem

I am struggling to re-collect how bank statements looked now - but I cannot understand how the Halifax letterhead is missing and it appears to be a condensed version of a 12 month statement - how does it appear to you now it has been posted on the forum Nem?

[nemesis45]

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

Hi Nem

I am struggling to re-collect how bank statements looked now - but I cannot understand how the Halifax letterhead is missing and it appears to be a condensed version of a 12 month statement - how does it appear to you now it has been posted on the forum Nem?

Could be an annual statement, but as you say I would expect such a document to have either a branch header or the HO header.
Could be a reconstruction I suppose.

It strikes me that there's blanks such as the statement number, which appears as Statement No. 0.
To me it just doesn't look genuine.
I'll take a closer look at it later, and ask a colleague with some considerable experience with Halifax.

nem

[Berniethebolt]

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

Ditzee
Did you at any time tell them that you were in financial difficulty. I know it looks pretty obvious but banks are thick. the reason I ask is that the fees and interest charged make up more than the total amount being claimed.
I can not tell you if that gives you any hope as that i do not know , just an observation . When i am at home again which will not be until Tuesday as i am visiting a friend I will look in my halifax file and see if I have anything similar but off hand i think I have

[ditzee]

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.

[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,

[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.

[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

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

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

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