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Go Back   The Consumer Forums > Welcome to the Consumer Forums

Welcome to the Consumer Forums Free advice and support to reclaim your bank charges or to solve other consumer problems.
Welcome. You have just joined the Consumer Forums. Come here and introduce yourself.
You will soon discover what a friendly place this is and get lots of hints about claiming your bank charges or dealing with other consumer rights.


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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
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Old 6th November 2006, 01:20   #1 (permalink)
ff49
Basic Account Customer
Default ff49 v egg/mbna/smile/halifax/ulser bank/first trust bank

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

Last edited by ff49; 8th November 2006 at 22:00.
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Old 6th November 2006, 01:42   #2 (permalink)
Rooster-UK
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Default Re: ff49 v egg/mbna/smile/halifax/ulser bank/first trust bank

I would think that you can claim for both of them.
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Old 6th November 2006, 12:17   #3 (permalink)
ff49
Basic Account Customer
Default Re: ff49 v egg/mbna/smile/halifax/ulser bank/first trust bank

thanks very much rooster, i was hoping someone would say that. you have been very helpful. ff49
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Old 6th November 2006, 15:21   #4 (permalink)
ff49
Basic Account Customer
Default Re: ff49 v egg/mbna/smile/halifax/ulser bank/first trust bank

Subject Access Request sent to all of above 06/11/06
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Old 11th November 2006, 14:07   #5 (permalink)
ff49
Basic Account Customer
Default Re: ff49 v egg/mbna/smile/halifax/ulser bank/first trust bank

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.
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Old 11th November 2006, 14:37   #6 (permalink)
TETSUO
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Default Re: ff49 v egg/mbna/smile/halifax/ulser bank/first trust bank

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!
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Old 15th December 2006, 01:30   #7 (permalink)
ff49
Basic Account Customer
Default Re: ff49 v egg/mbna/smile/halifax/ulser bank/first trust bank

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.
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