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cheddar

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Everything posted by cheddar

  1. Yes please read the FAQ's which state: Q. I was charged on an account that I have closed XX years/months ago, can I still claim for my money back? A. Yes, regardless of if the account is open or closed, you can go back 6 years.
  2. That is the only dept I have dealt with. I sent the DPA Request there as it is the dept mentioned on the address for the DPA Manager in this forum. Let us know how you get on!
  3. Okay here goes letter version 2! LOL I write to you with regards to your letter dated 10th March 2006 in response to my Disclosure Request under the Data Protection Act. I will require a Full Subject Access Request and enclose authorisation from Mr J xxxxxfor you to proceed and provide the details requested in my letter dated 9th March 2006. I would also like to remind you that you do have a fiduciary duty towards me under which you are obliged to exercise the utmost care in the accuracy of the complete list of transactions and charges I requested in my previous letter relating to my bank account for the past 6 years. This is to include any event in my account history over this period which has required manual intervention by any member of staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please confirm this in your response to this request. I have enclosed a cheque for £10 for the full SAR and would like to remind you that you have 40 days in which to comply. Yours sincerely I hope this one is okay and that I am asking the right questions this time!
  4. I was told this at the start but was advised on here to get the full DPA as it shows all places where a manual intervention may have taken place. But now I'm confused, I just want to get on with it! LOL! Might just get the statements and take it from there. Honestly sometimes I read that much info on here it blows my mind and I come up with garbage like my letter above....
  5. Ah right, I will amend my letter to reflect this, many thanks.
  6. Natwest have replied very quickly to my DPA with the following: ".....I will be happy to arrange for the bank statements you requested to be sent out directly. The fee for this is £5. If you require a full Subject Access Request (SAR) the fee for this is £10 but does not normally include bank statements. Also if you require a full SAR we will need authorisation from Mr xxxxx........." So I have drafted this reply, please can someone have a read and see if it sounds okay? Dear Ms Tudor Re: Data Protection Act 1998 Disclosure Request I write to you with regards to your letter dated 10th March 2006 in response to my Disclosure Request under the Data Protection Act. You explain that you can send out the information for a full Subject Access Request but this does not normally include statements. I have to correct you and explain that this is incorrect. Bank statements do come under the heading of ‘data’ and therefore should be included in a request for data under the Data Protection Act. An example of this can be found in the Information Commissioners Case Summary for Durant Vs Financial Services Authority - 2003 which states that transactional and statement information is covered by the Data Protection Act. Therefore the £10 fee for Subject Access Request under the Data Protection Act will include the statements I requested for the past 6 years including any event in my account history over this period which has required manual intervention by any member of staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you. I would like to remind you that you have a fiduciary duty towards me under which you are obliged to exercise the utmost care in the accuracy of the statements which are made to me and to make a false representation would be a serious breach of your duty. Failure to comply with this request will result in me making an official complaint to the Information Commissioner. I await your response. Yours Sincerely Mrs cheddar Hope it is okay! Also sent a letter from the hubby saying tis okay for the info, not heard of anyone else having to do this though. Also it intgregues me when she says "...does not normally include bank statements..." I wonder what the "normally" is about???
  7. Sorry just wanted to point at where the addys are. :o
  8. I too have sent my DPA to My Lyons, the address is in the Sticky Post at the top of this forum already, along with the other addys we have for them.
  9. Thank You BF, I refuse to have an o/d with them so even if they did shut our a/c down I wouldn't owe them anything. Was just a bit worried about the loan but see what you mean about it being separate. OH has opened a new a/c and I'm in the process of doing the same so we have other options if needed!
  10. I'm in the process of going after Natwest with my joint account. I know they can close accounts down etc but if they did this what would happen to my loan? Would the whole amount become repayable? Also can they shut an account that technically belongs to 2 people when only 1 of them have taken action against the bank? Or would they use the excuse of right to close any account blag? TIA
  11. I found this on Natwests website. Unarranged Borrowing* If you exceed your arranged overdraft facility, or if you go overdrawn without prior arrangement: this is in addition to interest payable as detailed Unarranged borrowing details of the dates these fees are applied on can be found in our leaflet 'A guide to Personal Current Account fees and interest' £28 Unauthorised transaction - Unpaid If you go overdrawn beyond your agreed overdraft amount, we may return your cheques unpaid, or be unable to pay a Standing Order or Direct Debit Unpaid fees are applied at the time the transaction is not paid or taken from your account £38 per item Unauthorised transactions - Card misuse If you use your NatWest Servicecard or Cashcard when there are insufficient funds in your account Card misuse fees are applied at the time the transaction is paid or taken from your account £35 per item Paid referral Any items we choose to pay, which result in an unarranged overdraft Paid referral fees are applied on the sixth business day of the month after the transactions took place £30 (max £90 in a calendar month) Default notice If you break your agreement with us and we have cause to issue a Default Notice to you requiring you to either repay the debt or remedy breach of agreement, we will charge you £30 for our administrative costs in issuing the Default Notice Default Notice fees are applied at the time each Default Notice is issued £30
  12. Does it make a difference? Have people experienced delays with using registered, ie: recorded/special delivery? Is it better to send registered in case of a claim? Many Thanks in advance!
  13. Great stuff, I will use the letter the library. Will keep the forum updated too! Many Thanks!
  14. Oh no now I'm confused again! I have spoken to NW and they say it costs £5 for statements no matter how many you ask for. I take it thats it better to ask for DPA as they will give you the Manual Intervention notes then? Think I will request the DPA notice for £10 instead then.....true moneysaver me trying to save a fiver! LOL!
  15. Good to know. Am gonna ring them in a mo for my statements! Hurrah for BAG!!!
  16. Sorry I read it wrong had a v stressful day. Won't do it again! Have posted on MSE to the same effect too.
  17. Hi there I'm in the process of getting my charges back from Natwest but my Husband joined the account about 3 years ago making it a joint account. My question is that do we both have to claim for the charges or can I do it alone? Thanks in advance!
  18. Oh ta very much, will request the statements and take it from there. I terrified how much there is gonna be, me and my OH are guessing aroung £2k!!! :O
  19. I only ask as the Natwest only charge £5 for as many statements as you want but the DPA request is £10. Is there a difference? And would it look better if it went to court if you had a DPA request? (Hope I have put this is in the right place as I got told off last time )
  20. Thought it wouldn't take long for me to do something wrong on here. I don't understand why you are saying I've done this ALL THE TIME either? I'll start my own thread along with the one cakey made I suppose.
  21. I don't know yet. But I do know that if you ask under DPA you will have to pay £10 but if you ask for 6 years of bank statements in one go then its only costs £5.....does it make a difference? Would the DPA info and the statements be different and does it matter if it went to court??? I mentioned this a few times but no answer! Anyone???
  22. I have rang Natwest today and been told they only charge £5 per request no matter how much! Sadly I don't have any monet in my account atm but will be going in, paying the £5 and getting my 6 years worth sent. No need for the £10!
  23. Done it to me for years, usually for unpaid DD's and Card Misuse charge where they let me use my card even though I'm o/d already and have no o/d facility!
  24. Do youhave an advantage Gold account with them? I have and they lump the £10 Ad Gold charge with an unarranged borrowing fee of £28 all the time! Its really confusing too as it doesn't separate it and it looks like when you ask for the DPA it will still lump it together so it would be really hard to work out what your actual charges are......
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