Posh Stars v Style

Posh Stars · 5th May 2006, 14:28

I called Style Financial Services (Owned by RBoS) and asked for a break down of the charges that have been applied to my account and who I could write to, I was told that each statement costs £5 per statement (I have the account for 6 years so I would have to pay £360 to get all my statements)

Firstly does any one know if they can charge me that amount?

Secondly when i was speaking to them they knew about the statement from OFT but said it would not come into effect till 31st May 2006 - is that true? and they said they would not be refunding any charges as they were all correct and justified.

I asked them to provide a complete breakdown of how they justified charging me £18 per month in interest on a balance of £700 and how they justified charging me £25, they told me if I wrote in I woudl get a standard letter, do you think this is just stalling tactics - and do you think i should still send and try and claim back the money?

Thanks in advance
V

alanfromderby · 5th May 2006, 14:31

It is not worth ringing them - they are working to a set script.

If you want your charges back you need to follow the process as outlined in the FAQ's and the step-by-step guide.

Posh Stars · 5th May 2006, 14:35

Thank you I only called to get the address and they asked what I wanted so I told them (I know foolish, but I am blond so what can i say!

)

I will continue with the letter writing, Thanks so much

Alison82 · 5th May 2006, 16:07

They will say anything to get rid of you and to take the potentional problem go away, all they can charge you for your statements is £10. Read the faq's and familiarise yourself with the process.

Good Luck

Posh Stars · 5th May 2006, 16:11

Thank you for your help

dave · 5th May 2006, 16:20

Quote:

Originally Posted by Alison82

They will say anything to get rid of you and to take the potentional problem go away, all they can charge you for your statements is £10. Read the faq's and familiarise yourself with the process.

Good Luck

Not entirely true (as outlined in the FAQ)

The maximum they can charge you for personal information is £10 provided is can be accessed using a relevent filing system.

However, statements also hold information that isn't personal, and therefore than can charge pretty much what they like for it.

What they cannot charge more than a tenner for is a list of the charges made on the account, with dates, description and amount - as that information is personal to you, and personal information is covered by the Data Protection Act.

Subtle difference, but the difference in price that the mistake may cost isn't.

Also, as they have claimed that what they are doing is lawful, then you may as well get as much information as you can going back further than the 6 years. By them claiming what they are doing is legal, you have been misled and the truth about their debt to you has been concealed, therefore the 6 year 'rule' no longer applies in your case (or most other cases for that matter).

Have a search around for the limitations act and read more about it.

I don't fully understand it yet.

Posh Stars · 5th May 2006, 16:25

Thank you, I now have a project for the weekend.

Thank you so much everyone for their help and continued help!

Jamboray · 6th May 2006, 23:43

I've had bother from them too, apparantley they cant find my account details for my address?
They are on the Data Protection Act stage with me for another 16 days.

Jamboray · 20th May 2006, 19:47

Have you had any success with Style? I have written to them giving another 7 days for the Data Protection Act request or its of the the information commisioner I go.

alanfromderby · 20th May 2006, 19:55

Quote:

Originally Posted by Jamboray

Have you had any success with Style? I have written to them giving another 7 days for the Data Protection Act request or its of the the information commisioner I go.

Or the County Court, if you really want to put pressure on them - see the Bank Template Library under Data Protection Act Non-Compliance.

Posh Stars · 22nd May 2006, 09:16

I sent a cheque off £10 for the info held on me under the Data Protection Act, I still have an "active account" with them. They have until mid June to send me the info or I will take further action.

Jamboray · 26th May 2006, 11:44

Do you have any contact details? I'm trying through thr RBOS and they say information is being passed on.

Posh Stars · 26th May 2006, 11:46

I only have this tel no and I am not sure if it is Customer Services or collection dept, either way it is definately style financial services and the tel no is 0870 240 8143

Jamboray · 26th May 2006, 12:07

Thanks Posh, I'll give it a try.

Posh Stars · 26th May 2006, 12:09

I hope you get through, they are getting close to the deadline for me too!

Posh Stars · 16th June 2006, 09:41

I got MOST of my statements back from Style- just sent off the initial letter to them asking for £400 back they have till 27th June to responsd, then LBA will be sent!

They omitted about 6 months worth of statments should I let any financial body know about this cos surely they are not keeping in line with the Data Protection Act request I sent them?

Thanks

Jamboray · 16th June 2006, 09:54

You need to let them know about the missing statements and allow them to provide them if possible. If they dont, then you should take this to the information commisioner. I am at that stage with Style and my complaint has been recieved, however I will not know the outcome for another 4 weeks.

Posh Stars · 16th June 2006, 09:56

Thank you. good luck to you too

lesleyN · 4th August 2006, 12:03

Hi there, Just wondering how you have been getting on with your claim against Style. I am about to send them my request for charges letter although they haven't had a great deal of charges from me, it would amount to enough to clear my account with them and therefore enabling me to get rid of it for good! I am really interested in how your claim is going as there don't seem to be many people claiming against them on here. Cheers, Lel

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.