MBNA S.A.R - What a shower!

[PhantomReclaimer]

Recieved response to S.A.R - (Subject Access Request) from MBNA today (2 days before the 40 day limit). What a load of rubbish these people do write.

They say; "As requested, we have enclosed copies of your statement information."

They have not provided me with what I requested. I asked to be provided with "...details (account numbers, inception and closure dates, etc) of any credit card accounts I have previously held with the bank, along with a summary of all charges made to those accounts showing the date and amount of each charge and the reason for it". They have provided partial details of the charges only, from Sept 2000 to March 2002, (the account was open for several yers and I have a statement from pre-2000 which shows a charge) and nothing relating to the other information I asked for, ie; inception and closure dates.

They go on to say; "On this occasion we have provided this information to you free of charge."

True, but then it's incomplete.

Then; "Should this information not be sufficient, and you wish to make a full data protection subject access request....., please complete and return the attached form.". "Please ensure you include the fee of £10..... and appropriate ID"

Astonishing! I did make a full Subject Access Request with my first letter - the fact that they chose not to charge me for it is neither here nor there. Secondly - what's this ID crap all about? They already know full well who I am or they wouldn't have sent me what they already have.

This is just the situation I had with Northern Rock, it's a cynical attempt to try and prevent you claiming everything you are entitled to. All this behaviour is going a long way to easing my conscience about applying interest at the unauthorised contract rate to all these schisters.

P.

My 40 days is up on sunday 24/9/06 and still no sign yet from Subject Access Request request, if it is late or incomplete im sending LBA anyway giving another 7 days as stated in templates letters to get info requested and include charges etc to refund of charges

[Glenn UK]

PR

I had the same and have sent several letters requesting full discolsure under the Data Protection Act as i orignally requested.

It culminated in a LBA for non compliance.

Ive been pretty busyin the office and am at the stage of putting an n1 in to the courts. However, i recveid a phone call from Mr Tunniclife regarding the LBA.

So i asked him if he wanted to deal with my LBA for charges.

I will speak with him regarding this as he asked for a copy to be faxed over wednesday.

So i reckon go through due porcess to allow you to submit a claim but dont be surprised if you get a phone call.

HTH

Glenn

PS when i sent him my LBA for charges I put in a schedule of costs up until today plus compund interest.

Since he never rang today i consider my self free to continue with action both under sec 7 and for the relcamaition of charges.

[PhantomReclaimer]

Originally Posted by Glenn UK

So i reckon go through due porcess to allow you to submit a claim but dont be surprised if you get a phone call.

I'd be amazed as I haven't given them my number. I purposely didn't give it to any companies as I don't want to communicate by phone - only in writing.

P.

[Glenn UK]

I didnt give it to them except when i had my card with them, funny thing is they found my number even if they couldnt find my statements!!!