Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    niraig Novitiate



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    Default DPA Disclosure Fee

    Have been looking at and digesting this site over the past couple of days. This is to help my son reclaim his charges and he is about to send off his DPA letter. Can anyone let me know if the Bank of Scotlands fee is 10 as stated in the letter or is a different amount.

    Thanks

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  2. #2
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    Alison82 Novitiate



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    Default

    It is the same amount for all banks


  3. #3
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    Default

    10 is standard fee to request any information a company holds about you (apart from credit scoring etc)
    You can also request CCTV footage. They have to blur out other peoples faces but you would need to tell them the dates/times you were there (pointless but would be quite funny to do )


  4. #4
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    Default BOS Account Problems

    I was wondering if anyone has had any problems with their accounts after requesting banks statements. I encouraged my son to ask for his banks statements from the Bank of Scotland, and he did this last Friday by phone to the number listed in a previous thread. There did not seem to be a problem and he was told that from one account they would arrive in about four days, the other (the one with 6 yearsicon) would take about two weeks. But, not sure if this is coincidence his pay has not reached his account today. He has been given all sorts of reasons and was finally told by his work that after speaking to his bank they were told his pay was in a holding account and wouldn't go into his account until tomorrow. Therefore I went into a local branch earlier and deposited 200 cash straight into his account. Whilst in the bank I told them why I was putting the money in, the teller looked at his account and could not see anything wrong with it although she did see a code on his account that she and a colleague had never seen before. I told her that he had asked for his past 6 years statements and was going to pursue getting his charges back. The teller said Oh I know a lot of people are doing this and a new department has been set up to deal with claims. Anyway sorry this is so long winded, do you think the Bank could be playing silly beggars or is it pure coincidence.
    Just heard from my son, he tried to get cash from an ATM and although I have put cash in he can still not get access to it. He has now got to go into a branch at lunchtime and see if he can get it all sorted.
    I'll let you know what happens. Looks like it might be time for him to open a new account with someone else.


  5. #5
    Neo Neo is offline
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    Default Re: BOS Account Problems

    Conspiracy theory. I like it, although it i not good for your son.

    They are in breach of their contract again by not allowing access to money - well after 5pm when the banks close?

    I would like to find out somemore information about this "new deprtment"

    One tip: have a parachute accounticon ready!


  6. #6
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    Default Re: BOS Account Problems

    Just a wee update on sons visit to the bank at lunch time. He was told that his account was closed on Friday, the day he phoned for his statements. I was with him at the time he called and at no time did he say that he wished to close his account. Is right that they can just close an account willy nilly, when if on checking the knew his wages went in weekly to the account. They never sent any confirmation of the closure. Son is not happy, but he is opening a new account with a different bank tomorrow. Of course not sure which is a good bank to join. Any suggestions?


  7. #7
    Neo Neo is offline
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    Default Re: BOS Account Problems

    Have you heard anything more about this?

    If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks
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  8. #8
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    Default Re: BOS Account Problems

    My son has now got things sorted with the bank. They told him it was just a misunderstanding. On the other matter of asking for his bank statements the bank are trying to stall a bit with one of his accounts. He received a lettericon from them asking him to post of the £5 for his statements for the account that has been running for 6 yearsicon and with a lot of charges on it (not sure yet how much). He received his statements for the account he opened in September. On looking at a ATM printout from last week he noticed that 2 x £5 has been taken from his account. He phoned them this morning and he felt the chap at the bank was a little hostile. But, eventually after the chap left him hanging on for approx 10 mins he came back and said he would get the statements out to him today. My son said he only needed them for the older account and the chap said well I've ordered them for both accounts but we won't charge you for them.

    Looking forward to getting to the next stage, soon I hope. I hope they don't use anymore stalling tactics.



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