Completely lost At the Start

[ess3xb0y]

Hello, I am new to all this, i requested my bank hstatements from halfax, they are a confusing form, they are written i just a report that has come off the back of some MIS syetm not in any way that comuld be interpreted by any "normal person" is this normal????? could someone tell me how to calculate how much i am owed?? i tried and was in the region of £730

Thanking you in advance

Tom

[mechs]

Originally Posted by ess3xb0y

Hello, I am new to all this, i requested my bank hstatements from halfax, they are a confusing form, they are written i just a report that has come off the back of some MIS syetm not in any way that comuld be interpreted by any "normal person" is this normal????? could someone tell me how to calculate how much i am owed?? i tried and was in the region of £730

Thanking you in advance

Tom

Are they a printout ie do they look like this for example
2005-10-31 30.00dr

if so thats a computer print out and then you list them all and put them in the spreadsheet from the templates library

	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.

[callumsgran]

Originally Posted by ess3xb0y

Hello, I am new to all this, i requested my bank hstatements from halfax, they are a confusing form, they are written i just a report that has come off the back of some MIS syetm not in any way that comuld be interpreted by any "normal person" is this normal????? could someone tell me how to calculate how much i am owed?? i tried and was in the region of £730

Thanking you in advance

Tom

Tom if you could rewrite this in english for us i'm sure someone will be able to help!!!

[ess3xb0y]

Sorry, I sent off for my bank statements from halifax, they were posted to me in a big brown envelope, but not in the form i usually recieve them in the post, they were not easy to interpret as there is a lot of useless information. They appear to be just printed out in some form of management report. Has anyone else had statements in this form, and if so how do i find all my charges in them???

The report had pages and pages of information on how my interest is calculated. They do mention charges but there are a lot of codes afer each charge, there are some small charges which i believe to be negative interest, do i include this?? and if i write the date of the charge down is it the date it was debited or the date i was notified of it??

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Janet-M]

under the data protection act they have to give you your information in an intelligible form.If they use codes etc without an explanation what the codes stand for then this is not inteligible . I suggest writing back to them pointing this out and telling them because of this they have not complied with your Subject Access Request in full .Remind them how much longer they have left to comply .You need to do this ASAP.

In the meantime it may help if you post the codes in here and maybe someone will know what they mean.

	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.

[ess3xb0y]

What is the best address to send the prelim letter to???

[mechs]

HBOS PLC
Trinity Road
Halifax
HX1 2RG