Assuming then that the OFT confirms its preliminary view that bank charges have been historically excessive and therefore unfair: --



personal dataicon disclosoure


Mainly, people who want to claim their bank charges back will have to ask for account information from the banks in order to calculate their bank charges.

·Will the FSA require that banks cooperate with statutory requests for data?
·Will the FSA instruct the banks not to destroy account histories during the repayment period?

We are receiving a certain amount of anecdotal and also documentary evidence that banks are starting to be uncooperative in the provision of data. We are receiving reports that banks are now saying to some of their customers that they do not hold data longer than 6 or 7 years.
We have good evidence that such trends are quite new and that they have in the past provided data at least up until 1995.


After the heat - post test case issues in full