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Bankfodder & Co What is the correct course of action when the bank your sueing, in my case Intelligent Finance, has an address outside England and Wales? I notice a couple of others have sent papers to the Halifax as they are a division of them but, I wondered if this is correct or will I have to go and get the pack from the SCC? I would like to do the claim online if possble, I want to make sure that everythings correct from my end! Cheers

Well by the sounds of it they don't like me much!! I have not had a phone call asking why, my letter did say that they appreciated my comments. I have sent the second letter, they stated to me that they had done an investigation but, they did not go into detail??? The original response was unsatisfactory. At the end of the day they are trying to put you off, I am certainly going to keep the pressure on... Cheers Fe

Ok Second Request for payment in the post and I have already got the details for the 'Particulars of Claim' out the library. Come on Intelligent Finance if you think your hard enough!!!!! He he Fe

Ok thanks, I have found the template and will get that sorted tonight.. I just wanted to make sure. Cheers

Hi there and thank you for your input. Does this mean that I go to the Moneyclaim site and fill in the form? Or shall I send them another letter stating that I have not recieved a satisfactory response and give them a further 14 days to cough up? Cheers

Ok I got this response from IF today, any help would be gratefully recieved.... -------------------------------------------------------------------------- 'I refer to your recent request for us to review the charges that have been applied to your Current Account. I write to advise you that on this occassion, after careful investigation, the charges were applied correctly to your account, and therefore will remain. I appreciate the comments made in your letter but would refer you to our T's and C's Page 20, section A.9 Charges and Expenses. On opening your account you would have agreed to our T's and C's. You would have also been provided with our Interest Rates and Charges booklet listing details of our charges' -------------------------------------------------------------------------- Thanks. I really don't think its fair, They have offered no explanation at all!!!!

Fair play. I felt that if they could not be bothered to supply the information requested then that is their look out, I was specific in my request to them and if they try to rebuff me later I will draw on their lack of cooperation and failure to comply! Would look better on me if I have made all reasonable requests and they are the ones who are getting it wrong. Hope that your claims are making headway.

No, what I have done is list the amount of the charge and the date it was applied which is how IF supplied the data, what I can not do is specify if it was a 'Failed Direct Debit or Exceeded OD etc' They did not send any evidence of manual intervention, they only supplied notes of when I had rung in to complain or request services etc.

Ok I have sent my first request for payment. Because IF would not specify the charges I have made a note on the sheet to reflect that they refused to supply this information. Lets start the countdown........

Well I got my reply today in a rather large envelope! It appears to be pretty much along the same lines as others. They state they dont have to tell me the charges but they have listed them. They also stated that I am not entitled to copies of calls made to the bank as they are for "staff training purposes and to enhance customer service levels" and are not covered by the 'Data Subject Access Rights' They did not mention the 'Manual Intervention' either, so I shall just move ahead to the next stage requesting the refund of my charges using the template from the library.

In keeping with my policy of refering to IF as Stupid Finance, check this out... I sent of the DPA and a cheque for a tenner as is appropriate, and lets ask our selves what IF have done with the cheque?...... Yes they have paid it into my IF Current account!!!!!! Is there no end to their stupidity?

Thanks for the advice, I have altered the letter to relect the points that you have raised. I will keep the forum updated with how I get on. I kept the printouts because I thought they would come in handy!! after IF said their system was fine and it was my problem. They have had me up against a wall for so long that it will be nice to watch them squirm for a change:rolleyes:

I cancelled my DD's online in the relevant place, I printed copies before I hit the "Delete" button because it does not give a detailed confirmation and I wanted the info. I hold a total of 36 deleted DD and SO's. IF claim that the DD's were deleted between the 6/11 and the 20/11/05 yet all my printed docs show the 6/11. I argued this with them but they said there system was reliable and thats when they were deleted. They asked me to supply my copies and when I asked for a name to send them to they replied that I was just to send them to Intelligent Finance so I asked for a fax number I could send them to and they told me that they did not have one!!!!! This is just one of the many problems I have had with them. In my DPA I have asked for a list of all charges since the account was opened. It never occured to me to ask for screen notes, What difference will the screen notes make to my claim? Cheers

So it is not just me then! They have been the most unhelpful bunch that I have ever come across, they have literally had me over a barrel for the last couple of years. If i can get this money back it will be a real bonus. Then I will start on anyone else who might have charged me in the past. Do let me know how you get on with getting your charges returned. Good luck