Gingi1 v Marks and Sparks

[Gingi1]

Letter sent over a week ago with cheque. Still waiting with bated breath!

[kokomar]

Hello they took 19 days for my Subject Access Request which from what I've been reading is pretty good going, however, they only went back to oct 01 on an account that's been open since 98. Have written asking for the remaining info if they have it. My thread is Koko vs Marks & Spencer in this section. Thank god someone finally on the same time line as me with them. Have you noticed how everyone who starts with M&S seems to vanish, scarey, unless they're all signing confidentiality agreements of course. Keep updating your thread, I'm v interested to see what happens with you.

Koko

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[blitz]

please delete

[Gingi1]

Will do Koko, and will keep an eye on your thread too.

[sarah13]

i'm going to send my letter to them tomorrow- my thread will be sarah v Marks and Spencer - will keep an eye here too. good luck.

[Gingi1]

Lists of charges received today, recorded delivery and a letter stating that if I require the full statements they are happy to supply. They also sent back my cheque for £10!

Will keep you posted

[Gingi1]

Well, have still not managed to make head nor tail of what they sent me. Has anyone else experienced this?

[kokomar]

Ohhhh Yeeeeesssss. Just get the kids to bed then I'll be back on with as much of an explanation as I can give, providing of course they sent you the same kind of stuff! Koko

[kokomar]

OK this is what I got in roughly the order I got it.

1. Cover letter
2. Copy of original agreement (I specifically asked for this in conjunction with Subject Access Request letter)
3. Various screen shots:
a. ID info
b. general account info
c. Last six months statements
d. Communications Log (last few months)
4. "Explanation of Data Held by M S Money" repeat of 3 a b and c above but in different style with pointers as to what is what
5. Copy statements printed several to a page, just basic data not the fancy type you get through the post every month from 4/10/01 to 12/3/06.
6. More "Explanation of Data Held by M S Money" covering 3 d above back to 21/4/06.
7. Communications log from 21/4/06 to 22/9/06 (different style printout to 3 d above) with sample letters.
8. Previous Adress details
9. Purged history enquiry - Memos. This seems to be a printout of all the notes of conversations from 19/8/03 to 29/9/05, same data twice in two different formats.
10. Collection Master Inquiry - Memos. Combination of 7 and 9 above again supplied twice in two different formats. More sample letters.
11. Collection Master Inquiry - Actions. Movements on my account ie payments made, interest added (called "FIN CHRG), Debits (PPI Ins I think) from 12/9/05 to 13/9/06
12. Collection Master Inquiry - Maintenance. Errr not entirely sure but runs from 27/8/05 to 14/9/06.
13. Third party details if any.

The bits in blue are where I found my charges, there isn't a nice easy list I had to go through with a highlighter pen.

Hope this helps a bit any questions just holler! Koko

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Gingi1]

Thanks. Have trolled through everything and can only find one £5.00 charge. I can't believe it!

Has anyone had any luck with claiming back the PPI that is forced on you?

[sarah13]

Originally Posted by Gingi1

Has anyone had any luck with claiming back the PPI that is forced on you?

I havent heard of anyone trying this so will watch this space and watch your progress. good luck

[kokomar]

I knew my posts were too long everyone fell asleep after the first few lines!!! Me, yes I'm going after ppi.

Koko vs Marks & Spencer

If PPI was forced on you complain, they aren't allowed to do this, and if you can prove it, ask for it all back plus compound interest.

Koko

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Gingi1]

Thank you Koko, your posts are not too long - I'm just lazy - my apologies

I shall be going after the PPI then. I had a separate insurance to cover my salary if I was unable to work and yet all the banks insisted that I take theirs. I am now going to go after First Direct (loans, credit cards), Co Operative (loans, credit cards) and M & S.

Will keep you posted

[Gingi1]

Sent letter to claim back PPI (only totalling £346.00 but still every penny counts with the mess that I am in) received a reply saying that they were looking into the matter. Just after Christmas received a cheque for the full amount and a letter of apology!!!! Hurray!!!

£346.00 down £36 odd thousand to go!

[pinkglitter]

Hi i'm just starting on Marks & Sparks can you guide me in the right direction of the 1st letter to send please and what it is i need to ask for as the account has been idle for years exact date i have no idea but the card originally was taken out 10 yrs ago !!!!!

[Gingi1]

Hi there,

I believe the statute of limitations is for six years. Send them the request for information under the Data Protection Act letter, which can be found in the templates section, to begin with.

Good Luck!