I sent my DPA letter to HBOS. After acknowledging my request & confirming copies of duplicate statements are on their way, they said the following:

"With regard to your request for information relating to manual intervention on your account, HBOS plc is under no statutory obligation to record this information and therefore I am unable to assist further with your request".

Can anyone tell me if the above statement is correct? I thought any information relating to personal details should be recorded and made available.

Can i just say this is a standard letter they are sending out now. I never even asked them about manual intervention and they sent me out that letter.

That is fine....they can hardly now use that as an argument to justify their charges.

theve changed their tune a little, ive got a letter from bos saying there is no manual intervention.

As far as we ie. the customer is concerned the fact that there has been no manual intervention is a good thing. It means they can't say that "someone" had to do something with your account that took time and therefore cost

So then, if Rino's letter is the 'truth' then how can they justify such high charges for an automated system. If I were a shareholder and realised that we were using charges to pay for the IT/IS to run the Bank I would be gobbsmacked!! But I suppose as long as my divvies came in them I probably wouldn't give a monkey's. However, they cannot justify charging us such extortionate rates if that is the case - Hooorah!

Thanks for getting back to me guys. I'll await the arrival of the DPA info.

Old account

Received copies of my statements

Only entry for a charge was Returned chq fee of £20.00

However interest charges for the period when I was overlimit = £371.25

Apparently interest was refunded back to the account to the tune of £302.18

Also credit card insurance fees fluctuated considerably, starting at 72p per £100, rising to 73p per £100 when I went over my limit. The amount paid in total = £312.46.

Can I claim the difference of £69.07 plus the £20 late fee?

Can I claim back all interest including interest paid before I went overlimit?

Can I claim back my Credit Card Insurance as I was never unemployed for the period of the card ownership?

Which template letter would be the best to use? Or have I lucked out on this one?

Any help with these queries would be greatly appreciated.

Just because you weren't unemployed during the period of insurance does not mean you can claim the money back. Insurance is there in case something happens, in your case it it didn't but you can't have your money back! Would be a great policy if it did lol

I'm puzzled over what interest you want to claim back. You could only claim back any interest you paid on the £20 late fee, not interest on the total amount owing as that rightfully had interest applied to it.

With regards the interest - interest was debited against my account and this interest went up considerably during & throughout the period I was overlimit, as if that was used instead of late fees to claw their money back. Also, they refunded some interest back to my account during its time, so why can't I claim for the rest they didn't refund?

Any replies would be appreciated.