ff49 v egg/mbna/smile/halifax/ulser bank/first trust bank

[ff49]

hi everyone,

yes I am a newbie, but I have read quite a few threads,replies etc and feel very confident about what I am going to do. I have just sent Subject Access Request requests to the above mentioned institutions via recorded delivery and I will keep you all posted on how I got on.

1 question I do want to ask is this: can I claim for REFERRAL CHARGE @ £12-£14 each issued by First Trust Bank and also for IRREGULAR A/C CHARGE of £11-£13 by Ulster Bank?
Any help would be greatly appreciated in this matter


HALIFAX - acknowledged Subject Access Request request 08/11/06

	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.

[Rooster-UK]

I would think that you can claim for both of them.

[ff49]

thanks very much rooster, i was hoping someone would say that. you have been very helpful. ff49

[ff49]

Subject Access Request sent to all of above 06/11/06

	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.

[ff49]

Cooperative Bank - 08/11/06 acknowledged Subject Access Request & stating that details will be rec'd within 40 days from date of their reply. IS THIS CORRECT?
First Trust Bank - 08/11/06 acknowledged Subject Access Request stating EXACT same as Cooperative.
EGG Bank - 10/11/06 acknowledged Subject Access Request but has asked for proof of identification, supposed to forward original utility bill or bank statement. Also mentioned that if I do not respod within 28 days, that they will assume that I do not wish to proceed and they will close my file accordingly.

Can anyone tell me if they are correct in providing details to me within 40 days from date of their acknowledgement, as I thought it was from the date of letter requesting the details in the first place. I am so sure that I have already read this somewhere in this forum/site, I will check it up again though.

If I am correct, should I write back to them informing them of this requirement?

Any help would be greatly appreciated. Thank-you.

[TETSUO]

HI FF49. You really ought to start a seperate thread for each institution in the relavant place and people will be able to iffer advice on each bank.

To ty and answer your questions... (i'm not expert (yet))

Co-Op - they have 40 days from receipt of YOUR letter.
EGG: try reading this thread and see how this chap dealt with them: http://www.consumeractiongroup.co.uk...mcuth-egg.html

Hope that helped!

[ff49]

hi, i am up to my eyes this last while, however, i am still working on all of the above and will get to update postings as soon as possible.