How do I find out account numbers?

[moneyinmypocket]

Hi
I had an Abbey account & credit card, due to circumstances & high bank charges I defaulted on the credit card and my account.
How do I find out my account numbers for my bank & my credit card?
I have sent my Data Protection Act but have had no response - so I'm wondering if it's because I didn't supply the account number.
Thanks
mneyinmypocket

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[Karnevil]

it shouldnt be, the Subject Access Request Data Protection Act is based on your as a person so as long as they have the address and name correct from your letter and that matches what your account details had on them (if you know what I mean) you will be fine.

Abbey are renowned for stalling the Data Protection Act Subject Access Request for as long as possible so as long as they have all your info and you sent payment you just have to wait.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[moneyinmypocket]

Hi
Thanks for the reply
The other problem is that i've married & moved house....but I did send a copy of my marriage certificate and my driving license as proof of ID. I detailed my full name and address that the account was held in so they shouldn't have any trouble tracing it!
I've read that there is a 7 day letter that you can send telling them to comply with the Subject Access Request letter and informing them that you will take them to Court if they do not reply. As the deadline for the statements is today where can I find the template for that letter?

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	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[Karnevil]

In the templates library - data protection act non compliance I'll get a link


doesnt sound like there is anymore you could have done to make them find the right info.
I suggest you mention the copies you sent them in the non compliance letter too

	Materials library Follow this link to our library where you can use our templates and other references free of charge. You must be registered to use them - but registration is free.

[Karnevil]

here http://www.consumeractiongroup.co.uk...n-act-non.html

[moneyinmypocket]

Thanks for all your help - will be sending that letter off today

[Glenn UK]

You did inlcude the fee didnt you?

[moneyinmypocket]

I did include the fee, but have just checked online to see if the cheque has been cashed & it hasn't......so do I still send the 7 day letter?

[Glenn UK]

yes the fact you sent it is sufficient, if they choose not to cash it its their problem.

The key issue in all of this is to make sure you kept good records of what you have done, copy letters etc. reciepts for delivery.

HTH

Glenn

[moneyinmypocket]

Have the letters and deadline dates in a plastic folder. Should I have sent the SRA letter by Recorded Delivery? Should I get a signature for the 7 day letter?
Thanks for your help

[Glenn UK]

Personally i send all correspondence recorded and check up when things are signed for.

You do have the alternative of putting things in the 1st class post with a return address on the back. If it doesnt come back its deemed served two days after posting, you must get proof of posting withi this as a record though.

HTH

Glenn