Thread: What to look for in Subject Access Request

Hi All,

I have a joint accounts with my partner: one with Lloyds and the other with Barclays. I sent an SAR to both of them about 3 months ago.

Barclays wanted me to send them another PO for £10 if I wanted details on both names. This I did not and they have sent about inch and a half of computer printout. Lloyds did not ask for another £10 and they have sent similar printout.

Also, I being chased by RMA and BLS respectively. Both threatening legal action.

I have two questions:

1) How do I respond to RMA and BLS.
2) What do I look for in SAR - around 40% or more of the debt is composed of penalties for going over, cheques not honoured and so on.

Thanks in advance.

Find the complex bank charges spreadsheet

You will need the following details to put in the spreadsheet (from the first unfair charge)

for charges
Date & charge amount

for interest after the first charge was aplied
Interest date, interest amount, balance

That will show the total that you can claim

You will also charge 8% statutory interest that the spreadsheet will also work out for you