Update

[lenka44]

Apologys for absence, bereavement in the family. Hope someone can advise. The bank (Abbey) received my letter for information relating to bankcharges for past 6 yrs on 06/07/06. They adviced on 10/07/06 that they do not hold data on their systems dating back 6yrs, but would supply the data they hold within 40 days. They added any earlier transactions have been archived onto microfishe, which is not covered by the Data Protection Act. These archived transactions will not therefore be supplied to me under the Data Protection Act and will not be subject to the 40 day ruling (40 days expires 19/08/06) They so far sent 13 mths of duplicate bank statements,when i compared them to originals i kept,i noted the information of charges data not printed as listed on the original. I wrote a letter to voice my disgust at this and they replied this could not be helped. In the meantime i forgot to cancel a standing order to a relatives abbey acct, i had £74.81 in the bank and they authorised this £100 S/Oleaving my acct overdrawn. I sent a written complaint against this as thye have charged me £50 for what they say is another transaction for £9.87 which they authorised when insufficent funds existed, but according to the bank statement that transaction occured prior to the £100 S/O. As mentioned i have complained and advised the bank i will not continue to pay my salary into this current acct, thus not pay tthis latest charge as a matter of principle.

Can anyone advise if i have jepordised my bank charges request and was i correct not to ensure funds were available to pay the latest charges as i have done for the past 6 yrs, the bank acknowledged my complaint and will 'investigate the issue' In addition is the bank correct re: the archived data not being subject to the Data Protection Act?

Thanks for any reply, i now have the time to read the info on this site and contribute appropriately...Regards Lenka44

	What do do following a death Follow this link to read the review of this basic guide by Lawpack. Includes: # understand the emotions of bereavement after a death # register the death # organise the funeral, whether it is burial or cremation # use the services of a funeral director # probate, and how to deal with your loved one's finances and property # how you can apply for bereavement state benefits and payments

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[welly]

Hi Lenka

Take some time to read the site again and the microfiche Issue from Abbey has been well covered and a letter for this is in the Abbey forum.

Stick to your 40 days and send the LBA for non-compliance as the time is now up and then think about maybe doing a estimated claim for the 6 years until they send the rest of the information.

As for the outstanding money if they try to take further action send them a letter to dispute this and tell them you will sort this when the matter of the unlawful charges has been resolved.

Like I said read the Info on here again to refresh your memory and start a thread in the abbey forum for any other help you may need and everyone will help you

Good luck and ask if you need help also my condolences for you lost

Welly

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[lenka44]

Welly, thanks,

Seems strange but life goes on and with it a renewed approach to ensure i do not give up and use this resource as a tool to defeat Abbey. Lenka44