Advice would be appreciated

Gaz83

I don't think you'll get much better advice other than write to them with a subject access request, to be honest.

Baggiebird2nil

Hi folks. The Halifax have complied with the subject access request and have forwarded a statement of the loan but minus any payments from 1st Jan 2001 to 31st December 2006. According to the statement during that 6 years we only paid £1,655.97 off the loan! I can see from the statement that we missed 1 payment in 2000, 5 payments in 2001 (redundancy), 3 payments in 2002 (still out of work), 1 payment ion 2003, no payments missed in 2004, 2 in 2005 (redundant again!) no payments missed in 2006. I'm getting really frustrated and don;t know where to go from here. Does anyone have any ideas?

Gaz83

Baggiebird2nil wrote: »

Hi folks. The Halifax have complied with the subject access request and have forwarded a statement of the loan but minus any payments from 1st Jan 2001 to 31st December 2006. According to the statement during that 6 years we only paid £1,655.97 off the loan! I can see from the statement that we missed 1 payment in 2000, 5 payments in 2001 (redundancy), 3 payments in 2002 (still out of work), 1 payment ion 2003, no payments missed in 2004, 2 in 2005 (redundant again!) no payments missed in 2006. I'm getting really frustrated and don;t know where to go from here. Does anyone have any ideas?

You'll need to be clearer. What exactly is missing from the subject access report?

Baggiebird2nil

They do not show any payments we have made between January 2001 and December 2006. All the other years have month by month payments but there are none at all for these years. They only show the interest and charges (i.e for 2000 there is a charge of £10 for the year.) I assume that this is the fee charged for a late or none payment.

Tixy

So is the only change in the balance for those years the interest & charges?
Where does the £1655.97 figure come from if there are no payments showing?

Do you still have the receipts from the cash payments made? or even if you just have some of them that would help prove an error on their side.
Did you make some payments by bank payment/DD during this period as well as the cash transactions? If so then demonstrating proof of the bank payments not being on the SAR transaction list again should help you prove the account is incorrect.

Baggiebird2nil

That's the difference between the figure at the end of 1999 and the end of 2006. I worked out that during that period we were in arrears of £1,389.30 but from 2007 we have been making overpayments which has totalled £4,260.93. The loan was due to be completed in February of this year so I fail to see where the extra £5k has come from. Very frustrating!

Baggiebird2nil

Well as an update the Halifax have been unable to respond to our complaint within the 8 week time period and they have advised us to take it up with the Financial Ombusdman which we have. To add to that we have also received a letter asking us to contact them about our 'arrangment' and have been told that there are no arrrears on the account and that we have overpaid by £970 and we are still paying £300 per month!! I can't wait to see what the FO comes up with as they can't believe what has gone on either.