Halifax/HBOS, SAR and interesting information sent

Leixlip1

Just received info' from HBOS following my Subject Access Request which I made, amongst other things, to see if they had a fully executed CCA.
They have sent me a copy of an application form which does not contain the prescribed terms on the signature page and has no linkage to a seperate page containing terms & conditions so I think is unenforceable but will get advice on this. Also does not have a HBOS signature so is not technically fully executed.

But what was equally very interesting in the information they sent me was that it contained copies of letters I had sent them which they had denied receiving (!!!); reference to telephone conversation that never took place and the following comments made under their decision/judgement section of a service chain report......."contacted customer relations...to request they pass this to Blair Oliver Scott...because customer is making larger monthly payments instead of token payments. If he was only paying £1 per month he would already be with BOS and accruing no interest". They go on to make the comment "Feel we are penalising the customer for making payments by delaying transfer to BOS" and "FOS rights breached as should have been sent....".

So now we know if, like I had for 15 months, a repayment arrangement with HBOS and they end this and start to re-apply interest & charges etc do not continue to make the pro-rata payments as you will be worse off. Drop payments to £1 per month and await BOS to take the account over. Not what I would call sound business practice but then what do I know.

in2deep_2

This is why its so important to send the SAR in the first place and not the CCA.