Debt collector making my life a misery

RAS · 15 May 2008 at 5:45PM

We need to see what is there first, but if the debt collector get in touch again, tell them the debt is in dispute.

smashedbooboo · 15 May 2008 at 5:47PM

If you do need a solicitor and funds are tight, then it maybe worth you looking up your nearest law society. They do take on Pro Bono work. Which area are you in hun.

smashedbooboo · 15 May 2008 at 5:50PM

Also have you seen a copy of your credit file recently. That will show if the bank have slapped a default on account. Also it will show up any other info regards your partner and his XOH. Or should do if they had any financial connection. Which of course they did.

bladesprincess · 15 May 2008 at 6:07PM

RAS wrote: »

We need to see what is there first, but if the debt collector get in touch again, tell them the debt is in dispute.

Ok thanks again for everything, you have really put our minds at rest :A

bladesprincess · 15 May 2008 at 6:10PM

smashedbooboo wrote: »

Also have you seen a copy of your credit file recently. That will show if the bank have slapped a default on account. Also it will show up any other info regards your partner and his XOH. Or should do if they had any financial connection. Which of course they did.

We live in Lincolnshire. We checked his credit file and it shows as resolved on one and still in default on another, nothing at all on the third, so we dont get it. Checked in recent weeks and have ensured he is now financially dis-associated with his ex.

RAS · 15 May 2008 at 6:27PM

hi

Which he should not be as he should have a joint bank account for which the ex is jointly liable.

bladesprincess · 15 May 2008 at 6:35PM

RAS wrote: »

hi

Which he should not be as he should have a joint bank account for which the ex is jointly liable.

I dont know if the account still exists or not, does this make a difference?

excel1 · 15 May 2008 at 10:54PM

no disrespect to RAS but if you use this one it reminds them of any manual intervention thats recorded and in this case thats important as you can use it to check any unauthorised activity has taken place, as whilst anyone think they might have covered their tracks as it were there is usually a trail somewhere.

[your address]

[their address]

[DATE]

Data Protection Act 1998Subject Access Request

Dear Sir/Madam

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

Please supply me with a complete list of transactions and charges relating to my banking history with your organisation.
Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

Yours faithfully,

[signature]

name

Debt collector making my life a misery

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