Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
You all know how to start the process. Get the statements and work out how much money you are owed and off you go. But how much does it cost?
The main way is DPA which gets you statements, manual intervention, microfiche, and ALL computer notes on your account. I trawled a few sights to find out how much you would be charged JUST for copy statements.
Please feel free to add to this list as it does not cover all banks or for that matter Credit Cards(more research i think).
It's not always clear whether it covers a full 6 years(with request, yes but with statement, not sure) Hope someone can clarify it.
Alliance and Leicester £5 per copy statement Barclays £5 per request HSBC £1 per statement HBOS £5 per request Natwest £5 per request
Royal Bank Of Scotland £5 per request
Woolwich £5 per statement
When i requested the past 6 years bank statments from HSBC, they did quote me £1 per statement. Ia sked for clarification and was told this would be £1 per copy statement so £12 per year. However the past 12 months would be free. I went down the data protection act for £10 which they didn't actually charge me and got them all.
HSBC - £460 - first action letter sent
Barclays - £730 - first action letter sent
Virgin credit card - no action yet
Natwest - no action yet
Lloyds - no action yet
I was hoping that we were going to discuss what other banks charges for copy statements for CC as well.
Batfink- clearly a number of errors have been made in relation to yourself and only one charge £10 for SAR should have been taken but it didn't happen. £10 is still owed. If you sent a cheque it shouldn't have been debited twice
s.a.r handed to manager-2-8-06
aknowledgement letter recieved 4-8-06
letter from dpm 10-8-06 Data Protection Act - Non-Compliance 10 days left 29-8-06 statements recieved 31/8/06 prelim letter 1/9/06 letter recieved from cru 9/9/06 lba-sent 15-9-06 small claims started 17-9-06 agreed to settle with condition removed that i cant make another claim waiting for funds
meagain-someone asking for copy statements is not necessarily requesting a SAR, simply due to numerous reasons, ie non receipt of one, requiring additional copies. I think a some people are confusing SAR with just copy statements
This is what I have been quoted for copy statements over the last few weeks - by the various call centres in bradford and india.
(I've been after a couple of months for something unrelated to the DPa request)
£4 per statement
£5 for one statement or £10 for multiple statements
£3 per statement
£5 per sheet
meagain-someone asking for copy statements is not necessarily requesting a SAR, simply due to numerous reasons, ie non receipt of one, requiring additional copies. I think a some people are confusing SAR with just copy statements
The trick here is to stop thinking of SARs are some special communication requiring some special action. S7 doesn't lay down any prescribed form, only that the request be in writing. It doesn't even require you to mention the Act (in a way, if the bank wants to charge you for them and you then have to invoke the Act, something is very wrong) If you look at it in another way, which I think was probably the way in which it was intended to be read, put simply, if you ask for personal information, you've an absolute right to it (subject to the maximum charge). So, if you ask for a bunch of copy statements, the maximum charge should be £10. After all, the only real difference between writing to ask for a copy statement and making a SAR is the inclusion of three little words, so why should there be a cost difference because someone specifically does or doesn't mention the Act?
I know what you mean but asking for personal info re: notes on account etc,etc, is more than just copy statements. Copy statements with NW are £5 per request. that means 6 years worth of statements for £5, however with SAR there is details of manual intervention that is not on statements. That means £10
yes i telephoned Natwest and they agreed to send me copies of all of my statements for past 4 years for a £5 fee. Which they put on my account. incredible as im £800 over my £1600 overdraft which by the way is all charges from last 6 months so god knows what 4 years will bring. Egg wanted £10 a statement RBS said £3 but phoned up later and got for free. makes you wonder if they are slowly catching on
Just to be litigious again, if there was no SAR available for £10, then I would be challenging the banks' price for copy statements on the basis of s.8 Sale of Goods Act - and I rate my chances very highly.
I would say that about 10 pence per sheet is more than reasonable - delivered.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
RM have always charged by weight - I think you mean they are soon to be charging by size as well as weight.
I suspect a large organisation like Natwest could send 6-10 A5 pages in a C5 envelope for around 14p. Maybe even less as if I recall correctly, Natwest actually use TNT or some other carrier instead of RM for their postage.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
wouldn't this be an argument under the microfiche problem...ie they're easy enough to produce if your willing to pay for them but if you DPA us we can't manage it because it's too much work
Abbey £4340.59 *WON* Jan 07
Abbey II MCOL 31/03/07 £8800.00
Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE
but isnt the whole point that if they didnt charge so much in the first place we wouldnt be requesting them now???????.... does anyone actually know how much it costs the banks?...(any Abbey employees out there ?)
The argument is about whether the data is in a relvant filing system.
Supposing we agreed a bank didnt have a relevant filing system then they could charge you for providing that data, pretty much what they like not withstanding sections of other legislation and I bow to BFs knowledge here.
However, if they have data on a relevant filing system, as defined within the Data Protection Act, it doesnt matter what that data is they have to supply it, when asked by the subject.
they can currently chagre a max of 10 quid for the lot as far as i can tell. However, it seems to me that if you offer to pay and they refuse payment this does not prevent the S.A.R - (Subject access request) being valid. They can charge a maximum fee it doenst say they have to charge a minmum fee i think.
These prices (those posted above) are interesting when contrasted against the penalties levied by the various organisations we are sueing.
Seems to me that if it costs 20 quid or more to bounce a dd and send out a letter automatically, then the cost of finding data on a system that isnt relevant, should be a lot higher than the few quid being charged.
After all, according to the banks its really difficult and time consuming to search all those boxes of fiche!!
Do you think a judge would be interested in this point if raised?
As an afterthought if the banks/cc companies are writing to us with this info, is it worth collaitng the actual data theyre circulating for people to use in evidence as a indication of the bank costs?
GLenn
Kick the shAbbey Habit
Where were you? Next time please
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
Sorry for my ignorance - A first timer to be exact. Still not quite there with the SAR and bank statement charges. I am understanding that if a request is made for previous 6 years copy statement then we are looking at paying approx £10 per statement = £120 per year = £720.00 to pay upfront. If this is correct, am I correct in assuming that these statement charges can be claimed back as they were only requested due to the banks overcharging in the first place.
Also at what point would a SAR be required.
Thank you
Price of copy statements
(with request, yes but with statement, not sure) Hope someone can clarify it.
Reply With Quote
Originally Posted by natweststaffmember
Re: Price of copy statements
but isnt the whole point that if they didnt charge so much in the first place we wouldnt be requesting them now???????.... does anyone actually know how much it costs the banks?...(any 
