OK, once I have the SAR and the series of charges they have made and which I have paid, how do I get my money back?

Do I just ask for it? Or do I have to take them to court?

What happens now?

where the SAR should be here now

they had 30days

Yes. I sent off 3 SARs.

One of them is back with a lot of documentation (not the EE) and I have identified the items that have been charged to me and which I have paid.

how do I get my money back?

Do I just ask for it?

Or do I have to take them to court?

post 4

OK, thanks.

Can anyone tell me the specific law that prohibits the charging of fixed penalty charges?

It would be very useful to be able to quote this law instead of telling banks, telecoms/utility providers and associated companies that they were "in breach of consumer laws".

Most of the firms charging these penalties, and presumably banks in particular, have had this woolly complaint over the years and just brush it off and ignore it.

Tt would be good if I could confront them with something specific which they cannot sweep aside because it is a generalised moan.

A specific law, with specific clauses and sub-sections (!) would be much more impressive and might even get them to think!

So does anyone know?

I may be being a bit thick here, but the 4th post at https://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request is about the action to take to report the firm to the ICO if they break the data protection laws, unless I'm misreading it.

What I'd like to know is what I do next, once I have the proof

- in the form of documentation provided by the erring firm as a result of the SAR

- that they have charged me unlawful fixed penalty charges.

Do I write to the firm?

Do I take them to court immediately?

If it is best to write to the erring firm (not to the ICO)

is there a standard template letter which it is recommended to use?

I'm at the stage where I've received the documentation as a result of sending out SARs, but I don't know what to do next.

I have identified all the illegal fixed penalty charges which have been made against me and which I have paid because I did not know any better.

I've added all these up in each case.

But what do I do with this knowledge?

Do I write to the firm showing them proof of their illegal charges and quoting the law which has made these illegal (and if so, what law is that?)

or do I just take them to court?

And if I take them to court what law should I say I am using to take them to court?

Is there a standard procedure for doing this?

I can't wait to continue to the next stage.

But I don't know what the next stage is.

Can someone please advise on what is the next step to take.

Thanks.

well 1st you need to read up.

as you don't seem to be and are wanting a guide.

there is not one..

you don't appear from what I can detect unless doing whilst not logged in to have read any relevant threads?

the more you read the stronger we become

they are not ILLEGAL [that's criminal law]

they are unlawful [civil law] under FCA/OFT guidelines and rules.

your best bet is to use the search CAG box of the top red toolbar

reclaiming bank charges

or whatever fees from whomever.

the martin2006 threads

https://www.consumeractiongroup.co.uk/forum/showthread.php?454087-Barclaycard-**Penalty-Chgs-repaid-with-Compound-Int-defaults-removed**-(probably)

https://www.consumeractiongroup.co.uk/forum/showthread.php?452397-Claim-for-GE-money-fees-***-Settled***

and the shelley threads

https://www.consumeractiongroup.co.uk/forum/showthread.php?370304-Shelley-v-Barclaycard-Unfair-Charges&highlight=shelley

are worthy of a good read.