jilly1973 vs abbey help please how to get started

[jilly1973]

hi
Everyone
I have been looking around the site and reading many cases .Please help me how do i get started ??I have no statements how do i get these and will i be charged for each one?

Thanks in advance now going to take another look myself at the FAQ.
jilly1973

[Jane Austen]

All the info to get started is in the FAQs - and step by step guide you'll find there.

Good luck

[jimlayton]

Youve Actually Answered Your Own Question
Read The Faqs It Has Step By Step Instructions And A Tried And Tested Route
Good Luck

[Natasha]

Yep just read through the FAQ and we'll help you through it if you have any other questions, it can get a bit confusing at times but just take your time and read through the forum.

best wishes

[jilly1973]

hi
Thanks for all the replys .I got over loaded with info and got confused .Have now re-read all the FAQ and understand more now the 1st letter is in the post to request bank statements.
This is a great site you peeps are so kind .
Good luck everyone with your conquest .!!!We has the consumers will fightback!!!!

[jilly1973]

hi
Just a up date ,I decided to go for the abbey and halifax.

My 1st letter back from the halifax :

my letter :
Completion of request for a list of transactions and charges

Thank you for your letter requesting specific information on your account with us.I can confirm the copies of duplicate statements have been ordered and will be sent under seperate cover.

With regard to your request for information relating to manual intervention o your account ,HBOS plc is under no statutory obligation to record this information and therfore,I am unable to assist further with your request.
yours faithfully
Nicola inett
data protection consultant


I dont understand the second part of the letter i used the template from here .
please can someone assist me.
thanks
Jill

[jilly1973]

hi
Has the above applies to halifax i have put it in the right area and opened a thread there ,I shall report back to this thread when i here from the abbey.
Sorry for being so confusing but new to all this.

[jilly1973]

Hi
Here is my 1st letter back from the Abbey.:

Thank you for your letter dated 8th july 2006, Requesting information on your bank account. I also acknowledge receipt of you 10.00 fee.

I also would like to advise you that under a data protection act request, You will only receive transactions that are currently held on our systems. These will be forwarded to you within 40 days, Free of charge, Under seperate cover.Any earlier transactions have been archived on to microfiche, Which is not covered by the data protection act. These archive transactions will not therefore be supplied to you under a data protection act request and will not be subject to the 40 day ruling.

Abbey is not normally required to hold past transaction details on accounts for more than six years, We're therefore unable to give you all the details you've asked for.

We can however supply details of the transactions held on the microfiche on payment of an administration fee of 10.00 for multiply monthly statements per account that have been archived.

It is clear from your request that you require the transactional information that is held on the microfiche records. In order to avoid any additional delays, we will therefore use the 10.00 that you have sent with your data protection act request, as payment for the microfiche records that you need. If you do not want us to do this, please call us on the above number.

You have also asked for details of any 'manual interventions' that may have been made on your account and I am sorry that we are unable to help with this request.

I can explain we consider 'manual interventions' to mean an action that is not automatic or computer driven. Not all manual interventions are recorded, for example if a member of staff looks at a paper document relating to your account, a record is not always required. Similarly some interventions may relate to work carried out by a department rather than individuals where no central record of activity is kept because this is not the kind of information we need,or more importantly, that a customer would request.

If you have any questions please call us on the above number.

[jilly1973]

Under the data protection act do they have to keep six years of staements and supply you these.?

[Karnevil]

Hi Jilly - simple answer is YES - though abbey dont seem to agree

Where are you up to ?

Sorry you havent had much response on your thread so far.

You have sent off the data protection letter and had a fob off letter back ? In which case you need to send the microfiche argument letter which is in a sticky at the top the abbey forum..... and tell them you do not agree to them using your £10 for anything other than your subject access request under the data protection act.

I hope that helps... I'll watch out for your thread

[jilly1973]

hi
Karnevil

I have had 18 months of statements back since last week ,So just waiting.

I did receive a statement of some sort for a period of 15/4/2005 to 26/4/05 on top of one of the pieces it says Contract staff movements enquiry.
I have had nothing since thou.

I shall now go and do what you have said with the microfiche letter.
Thanks for all your help .

cheers
Jilly

[bish]

I can explain we consider 'manual interventions' to mean an action that is not automatic or computer driven. Not all manual interventions are recorded, for example if a member of staff looks at a paper document relating to your account, a record is not always required. Similarly some interventions may relate to work carried out by a department rather than individuals where no central record of activity is kept because this is not the kind of information we need,or more importantly, that a customer would request.

If this is the case how do they calculate their costs then, as abbey consistantly say the penalty charges are a direct reflection of the cost incurred.

I had the same response you have had still waiting for the information requested, but able to go ahead with my claim for charges. I suggest going with an estimated claim, this may prompt them to send the info you requested in your Data Protection Act request.

Regards bish.

[jilly1973]

Just a update I did send the microfiche argument letter on the 10th august 2006 and it was signed for on the 11th august ,I still have had no response to this letter.
What shall i do.

Thanks jill

[Karnevil]

When your 40 days are up send them the 7 day LBA for non compliance.

You can also send a preliminry letter for a refund based on an estimated amount (do last 12 months x 6)....

Just to try and chivvy them into action.

Karne
x

[jilly1973]

Another update :I have received this morning a full copy of Archived Movements?? What are these this is not account statements are they??

I also received a letter from them in a seperate envelope and it says:

Dear Miss *****

Thank you for contacting us and i am sorry that you have been unhappy that you have felt you must complain.

One of my team members will be responsible for investigating your complaint and i have enclosed our complaints leaflet,which explains our procedure for doing this.High quality customer service is of great importance to us at abbey and we will do everything we can to resolve your complaint in a timely and safisfactory manner .

I know it is important to you that we resolve your complaint quickly,but we want to do a through investigation and sometimes this can take time.If we have have not contacted you before then,We will write to you in four weeks to let you know what is happening.

Although i do not know what the outcome will be,I do hope that we will be able to find a solution that you are happy with.

yours sincerley

Head of complaints.

[jilly1973]

sorry repeated myself

[jilly1973]

I have now understood that this morning archive movements are the actual statements.sorry this is alot to take in....

I have been through them and total it up to being £5858.50 in charges and £1186.39 in interest debit totalling = £7044.89.

Now i shall send in the preliminary letter in.
Shall update soon as

[philread1]

Hello Jilly

Don't forget on claims over £5000, they get fast-tracked and I think the court costs go up to £250. My claim is estimated for £10,000!

Phil

[jilly1973]

Just an update ...
I am sending prelim and s