finally got courage to write to bos.after reading lots of stories from your excellent site,my story,try not to bore you,had this credit card all goin fine then had to go into hospital,with breast cancer and have mastectomy,everything ok now just on part time hours at work as consequence,kept bein late 25 pound charge this made me over my limit 25 pound charge,in total 1100.00 in charges,i must admit i thought it was all my fault untill i found your site,ive tried to pay them but you cant if they keep addin 50 a month.anyway worte to them,sod off letter back,sent lba,offererred me 100.00 and told me if i didnt behave theyd ask for the full balance,the thing is i didnt send Data Protection Act they told me on phone how many charges i had incurred,so my stupid question is do i need a scedule of charges before i proceed,please be gentle with me lol.im 52 and only just got the hang of the computer,i am a computer muppet,any advice would be wonderfull

You'll still need to send out the DPA SAR.As well as asking for statements you are also asking about records of manual intervention (there won't be any!)to be supplied. You should be able to submit claim at court once you have received the information and can send a schedule of charges with your claim if you have already given the bank a reasonable amount of time(28 day) to refund. Good luck!

thanks for that,iy makes a lot of sense now youve pointed that out about manual intervention,just hoe i dont chicken out,they really scare me

Just remember this is not based on a lupehole or anything silly. The law is on your side. Its just a matter of how easy/difficult the bank will make it for you! Are you claiming in Scotland or England?

claiming in england,i understand what you say about the charges being illegal,its just when your not used to things like courts its very daunting,took me a long time to get this far,thanks to all your posts

...illegal...

There not illegal, there unlawful. Its very, very unlikely that you'll have to go to court and even if you do there is help available, theres a "buddy" system you can register on to get someone near to you to go to court and help you prepare but I don't see that happening!!Its always been in the back of my mind that it mat happen but there are a few thread where the banks have paid £8K+ without going to court.

sorry for that i meant unlawfull,i will probably need the help you mention,will send sar off in the morning,and get back to you when i have all the information,i cant thank you enough

No problem, just keep posting here if you have any questions/problems!

Mo dont forget to send the £10 fee with your SAR the 40 day deadline only staret when you pay it

Good Luck

J

If you include the £10 the 40 days starts from when they receive the SAR!If sent recorded it is deemed to be delivered 2 days after posting!

i wont forget,thanks for remembereing me.

sent sar off this morning with 10.00 cheque