Hi - I have just received the 6 years bank statements after sending a S.A.R - (Subject Access Request) - but they have sent from March 2000 to Dec 2006 and I also requested stats for the loan account as well - which I haven't received. I read a thread on here where someone is going to apply for all their statements after receiving the 6 years worth of bank stats.

A few questions as I am new to this: -

Do I have to send another £10 to get the post 6 year statements?

Can I claim for any default charges/interest charges as well as returned item charges?

Can I try and get default charges back from B & B since 1998 (on a mortgage account)? - account is now closed.

Thanks in advance

Foxy

Do I have to send another £10 to get the post 6 year statements?

No, give them a call and tell them that they have'nt complied with your request in full.

You can claim your overlimit fees, late payment fees etc with interest they have charged you. Is this a credit card?..

You can claim back the charges on a Mortgage account even though the account is closed.

Ukaviator

Thanks ukaviator

It is a bank account not a credit card. I sent the template for the SAR and I think it may have only requested the last 6 years worth of statements.

So what do I do now?

Hi there,

If you only requested 6 years of statements, then they are only required to give you 6 years.

If you did not state a date limit, then to gain back over 6 years, would be another request, as they have already complied with the first.

A link to the data protection act is here

Data Protection Act 1998

It is worth reading it as it does say requests have to be in a reasonable time frame, and I don't think it unreasonable to request again, with a fresh letter for post 6 years.

It would really help to know which bank and which mortgage company as you can then be directed to the area of the site to post a new thread of your information for further help and puts you in touch with others of the same institution for handy tips and advice.

Its easy - click the link below and scroll down till you find your bank -

http://www.consumeractiongroup.co.uk/forum/

At the bottom of the page - button - new thread -

All the best with your claim

CJ