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I may have messed up here. I sent a DPA request to the Halifax contact details and they have replied saying there is no record of my account which has been shut for about 3 years.
Do I send another DPA to the Bank of Scotland or call them as I have subsequently found my details.
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Advice given is purely my opinion, and is not based on any legal training.
And/or report them to the IC as they HAVE to keep that information for (I think) at least 7 years.
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I wrote to the customer services with a DPA request on 11 April 2006 about an account that was closed in 2004. I received a letter dated 27 April saying they could not find any details on the account.
I called them on 5 May and the person managed to get the details of the account and told me I would have them within 2 weeks.
I have since received no further communication from them and I called them again today. The person I spoke to could find no record of the account and asked me to call back on Monday when the business centre was open.
Where do I go from here as they have obviously broken the 40 days allowed for the supply of information and the clock will continue to tick.
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_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
I have finally got an answer that my account was closed before the Halifax took over the BoS. I have now requested the details from my old branch but was wondering whether I should also complain.
If the 40 days have passed (which would appear to be the case for you) since you sent in your DPA request (I'm assuming you sent them the £10 fee by the way?!), then by ALL means slap them with a complaint to the ICO.
** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **
I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"
The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim
I have received nothing from the BOS despite sending a letter to both the customer services and my old branch and the 40 days has expired.
I closed my account 3 years ago but I am claiming for the 4 years previous to that.
I am about to send Template 3 to the old branch. Is there anything else I should do?
I am also living in Somerset now. Should I claim through English or Scottish courts and is it easy to claim through Scottish courts from down South?
Just use the template and go through english system, it will make it easier especially if your claim is over £1500
j
1/9/06 RBS claim #1
8/11/06 - claim settled
17/11 claim #2 started - incl creditcard
30/11 - CC statements received
31/11 - Prelims issued - RBS paying up, only M/C to go)
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I have received no reply for details of my closed account despite 2 attempts and waithing 2 months.
Is it correct that I now complain direct to the Information Commissioner and is there any other course of action?
There's a pdf complaint form you can print off and send in.
I did it lately with Abbey, I waited 2-3 weeks for the ICO to reply to me and then when they did....what'ya know Abbey send me the statements within 2 days!!!
I am calculating how much the bank has taken from me.
In the early days, when the bank applied an excess O/D charge they also applied an account maintenance charge on the account. Am I able to claim this back in addition to the other charges?
Also although early days, will I be able to pursue the claim through the english system as I now live in England.
i have also enquired about this ,i am claiming £6663 back in charges ,once i get that back ,i am claiming £880 account maintenance back,account maintenance is a ludicrous charge ,what is it ,a charge to monitor your account when overdrawn ,scandelous
Well here is an update on my actions.
I first applied to the bank for my account details in April last year(2006). They dragged their feet but eventually after a complaint to the Information Commisionar I got the details on an account that was closed in 2003.
I totalled up the charges 6 years from my first letter and these came up to £1840. I wrote to the bank asking for them back on 11 December but have heard nothing. I will be sending a lba tomorrow giving them a further 14 days but in the meantime I have used a spreadsheet (England Simple) and have calculated there is £847 in interest.
Being that the charges go back 6 years does this seem correct?
Thank you for your help and I'll keep you updated.
The plot is now thickening. I sent off the 2nd lba on the 4th of January. I received a reply today saying they got my letter in their office on the 8th. I sent it to the wrong place initially so should I wait 14 days from the 8th or 4th before starting court action?
Also should I use MCOL or the local court? I will be claiming in England for £1800 plus interest.
If it were me, id wait the 14 days from the 8th, alfterall whats 4 days? maybe 4 more days worth of interest lol, also i would suggest using the N1 form from your local courts as you have more space for the POC
I am in agreement with Sol, 4 days isnt long to wait.
Please could you stick to one thread for your claim, you have 7 for this. It makes answering your questions difficult. Thanks
SIX threads merged. Could you please keep all questions about this account in this thread please
BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.
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Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
No knowledge of my account
or call them as I have subsequently found my details.
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Originally Posted by comedyjock
Comedyjock v BOS
