Am I on the Abbey Bank PLC thread?

[jacnal]

Well, I hope I am. I'm finding my way around the site and forum boards whilst on night shift, but keep *getting lost*, LOL!!

Anyway, assuming I'm in the right place...... I've sent off a letter to abbey asking for a full list of charges or bank statements dating back to 2001 (I've been with them since then). I got statements going back to August 2004, and a letter telling me about the microfiche cr*p. Anyway, glad I found this board, as this link { http://www.consumeractiongroup.co.uk...-argument.html } advises I can get around their dodge / delay tactics. Has anyone successfully got a list of charges / statements dating back that far? The language used is also meant to intimidate, I believe, but I WON'T go soft and easy on them!!!

I apologise for just launching in....... I'm Jac, a nurse on night shift, and hope to get charges back from Abbey, Barclaycard and possibly Barclays (this account has been closed since 2001. Is it possible?)

Jac x

[Karnevil]

Hi Jac

Welcome to shABBEY

Yes there is a letter you can send to have a word with abbey about their microfiche argument...... until the Information Commissioner steps in and investigates Abbeys filing methods it will remain difficult to get them to give you YOUR information. You may get another fob off letter after sending the microfiche letter. You can then look at data protection act non compliance, taking court action, and reporting them to the information commisioner - though you have to wait for your 40 days to be up....

Have a read about in the templates library and all the FAQ's (links in my sig).

I agree the language is meant to intimidate - but you're in the right place for a bit of support, so keep at 'em. Keep us updtaed on this thread, and if you cant find the answers to anything in the forums or help pages, let us know

Best wishes

Karne
x

p.s. the barclays account that s closed - yes you should be able to claim back to august 2000.

[Sophie-Jane]

Originally Posted by jacnal

Barclays (this account has been closed since 2001. Is it possible?)Jac x

Hi Jac

I had an account closed with Alliance & Leicester plc, and was sucessful in my outcome, You have the same rights as existing customers who are claiming

But you have one better advantage, you are not going to be intimidated by them saying that they will assess your account - otherwords possibility of closure, caus its already closed, but its nice to say, get your facts right, the account has been closed since xxxx

[jacnal]

Hi there Karne,
Thanks for replying to my enquries on both this and Steve's thread. I just got so excited being on the forum, I could have asked a question on every thread . I see though that it could be very fragmented and cause difficulties for those trying to help, so thanks a mill for pointing that out.

Well, I came back home, and there was my husband checking the bank balance online, only to find they've gone and taken a total of £160 - maybe more out today on charges. Thing is, once the cycle starts, it's difficult to get it broken unless there are cash injections into the account apart from the usual salaries etc. Anyway, I've decided to use the microfiche letter, and demandthese statements. It's been 57 days (including weekends, holidays) since they received my initial Data Protection Act letter. Here's the letter I'm planning to post this afternoon. Sorry this is soooo long , hope you don't mind too much? I don't
remember exactly the date, month the acc. was opened, but they should be able to send from the beginning of my custom in 2001.

Anyway, my letter was addressed to P O box 382 Prescot Street, London, and I received from Bradford. Shall I address this one to Bradford, London, or Milton Keynes, or just the 2 I've dealt with?

So very sorry about the many questions. I'm reading the FAQs again for 3rd time in 24hrs, and things are getting eaier (a little), LOL!!

Thanks for the links too!!

Jac x


Pam Speed
Regulatory Compliance
Abbey National plc
Abbey House
201 Grafton Gate East
Milton Keynes
MK9 1AN

07/08/2006

Data Protection Act disclosure request

Dear Pam Speed

Account Number:323XXXX

I am in receipt of your letter dated 19/06/2006, outlining that you could only provide me with printouts covering recent transactions on my account, because any earlier information has been archived onto microfiche. I also acknowledge receipt of the information you forwarded.

My request was for a complete list of transactions and charges relating to my account since it was opened in 2001 – in short, a list of charges with dates and amounts – alternatively, a complete set of account statements for that period will be acceptable. This should be retrievable from your accounting systems, and easy for you to produce. I will accept a computer print out of these transactions.

I am aware that you have been willing and able to provide other customers with a print-out of transaction information covering this period – and am ready to bring this to the attention of the Information Commissioner should it prove necessary. I would also draw your attention to Smith v Lloyds TSB Bank plc (2005) EWHC 246 (Ch).

This letter has been sent by first class recorded delivery, and therefore should have reached you by 08/08/2006 – as you will be aware, as of this date you have just 14 days in which to comply with my request, as it has been 57 days since your receipt of my Data Protection Act letter, and the 40 day breach for DPA has been exceeded . As stated above, a complete set of account statements for the period in question will be acceptable; however, I expect this to be provided within the time period for DPA compliance.

Should there be any further attempts to delay compliance, I will be left with no alternative but to commence a County Court action under section 7, and section 15(2) of the Data Protection Act 1998, and in due course, escalate this matter into an official complaint to the Information Commissioner and the FSA.


Yours faithfully,

[jacnal]

Originally Posted by Sophie-Jane

Hi Jac

I had an account closed with Alliance & Leicester plc, and was sucessful in my outcome, You have the same rights as existing customers who are claiming

But you have one better advantage, you are not going to be intimidated by them saying that they will assess your account - otherwords possibility of closure, caus its already closed, but its nice to say, get your facts right, the account has been closed since xxxx

Thanks Sophie-Jane!!!

I just need to fish out the account details, which I might have got rid of over the years . I wonder if I can call them and ask? I'll give it a try - they can only say no, and if it's too difficult, I'll leave it . It'd only be like £200 ish, but that could buy a nice Christmas dinner........

Thanks again!!

Jac x

[Karnevil]

Hi Jac

I would now use this letter as you have waited 57 days.

In the bank templates library, data protection act non complaince letters,
TEMPLATE 2 - Send if the 40 days has expired.

I would also send a prelimary request for refund - either for an unspecified amount or for an estimate (reasonable!) based on the statements you do have.

Might kick them into action - might not ! If you do decide to send template 2 you will need to follow it up in 7 days with a claim in the courts. So if you dont feel ready to do that yet stick with above letter and send template 2 after the 14 days are up.

Hope that helps - you're doing the right thing reading and rereading the FAQs and thread is the only way to understand completely what you are doing..... I still dont get everything and I've been here since April

Karne
x

[Sophie-Jane]

Originally Posted by jacnal

Thanks Sophie-Jane!!!

I just need to fish out the account details, which I might have got rid of over the years . I wonder if I can call them and ask? I'll give it a try - they can only say no, and if it's too difficult, I'll leave it . It'd only be like £200 ish, but that could buy a nice Christmas dinner........

Thanks again!!

Jac x

You have the Name and address, that is all they need.

Now if you changed name, you will need a marriage Cert or Name Change Deed to prove your name chane

Changed Address, a Current utility bill showing your mane and current addres would be useful to prove your address change

£200 as you say, is a nice Chrismas Dinner

Better in your hands than theirs

[jacnal]

Originally Posted by karnevil

Hi Jac

I would now use this letter as you have waited 57 days.

In the bank templates library, data protection act non complaince letters,
TEMPLATE 2 - Send if the 40 days has expired.

I would also send a prelimary request for refund - either for an unspecified amount or for an estimate (reasonable!) based on the statements you do have.

Might kick them into action - might not ! If you do decide to send template 2 you will need to follow it up in 7 days with a claim in the courts. So if you dont feel ready to do that yet stick with above letter and send template 2 after the 14 days are up.

Hope that helps - you're doing the right thing reading and rereading the FAQs and thread is the only way to understand completely what you are doing..... I still dont get everything and I've been here since April

Karne
x

Thanks once again for the prompt reply!!

I've just been looking at the templates 2 & 3. I think at this time, I'll stick to the original one I've written, and then work out how much I can claim from what I've got and send a preliminary request for a refund based on those. It'll go a long way getting us sorted in the near future - assuming they act on it quickly (hoping, LOL!).

I'd be mega mega confused if I was doing this alone..... thank you so so much again!!

Jac x

[jacnal]

Originally Posted by Sophie-Jane

You have the Name and address, that is all they need.

Now if you changed name, you will need a marriage Cert or Name Change Deed to prove your name chane

Changed Address, a Current utility bill showing your mane and current addres would be useful to prove your address change

£200 as you say, is a nice Chrismas Dinner

Better in your hands than theirs

Thanks Sophie-Jane!

I'll be on the phone to them tomorrow. Eyes glazing over right now, and I've dinner with the in laws this evening. Better get some sleep!

Jac x

Ps: I hope your pending hospital admission isn't too serious. Wish you a quick recovery anyway. Take care of youself, and be back soon!!

[Sophie-Jane]

Originally Posted by jacnal

Thanks Sophie-Jane!

I'll be on the phone to them tomorrow. Eyes glazing over right now, and I've dinner with the in laws this evening. Better get some sleep!
Jac x

Hi Jac

You are welcome, that is why we are here, to help, and answer where we are able to

Have a good sleep, we will be here tomorrow, You run there life from now, as its you who are going to take them to task over these charges.

Originally Posted by jacnal

Ps: I hope your pending hospital admission isn't too serious. Wish you a quick recovery anyway. Take care of youself, and be back soon!!

Many thanks Jac, it is a major op, but after its over, I will as a new woman, bout time