It does seem that some people get actions quicker than others, guess it all depends on who is dealing with it at their end?

Update: Last week I sent of a request for return of the £1220 in charges i had on my account. This was the first letter I had sent after receiving my statements and was from the templates on this site. I haven't yet received a reply in writing but logged on to my barclaycard account this morning to notice i have been credited £440 as a LATE PAYMENT REFUND. This is only the difference between the £20 and £12 as previous people have stated, but at least its a step in the right direction. Now awaiting the letter to which I will obviously reply stating I accept the refund as part payment but will continue for the rest.

Hi all and firstly thanks to all who have submitted advice on here as it has been invaluable. My story. I have £1220 in charges over the p[ast 4 years and sent of the SAR and got the standard 2 years worth of statements and the microfiche excuse. I evetually got the microfiche stuff as well although it did fall way beyond the 40 days, Id been involved in other things and hadnt noticed how much time had lapsed. I have now sent off a letter (taken from the templates on this site) requesting a full refund of the amount £1220, although I decided against asking for interest as if im honest I was too lazy to work it all out. My current balance is only £448 and on the assumption that the first thing they do is offer me the difference between £20 and £12 I will then be getting back £440. I guess thats when the fun starts as the account can be closed by myself paying the last £8 which I would like to do but then I have to fight for the remaining balance owed (£780). Like others before I will keep you updated as to my progress but thought it worth mentioning that the Data protection request does work even though they take their sweet time about it. At least it did for me and ive not really chased them up too much so far.

I have a similar question with capital one so anyone who could advise it would be greatly appreciated

I had a capital one account for approx 4 years and then after struggling to pay the account was sold on to a debt collection company. I eventually was contacted by the debt collector and i ended up paying off 75% of the total outsatanding balance which ended the matter and as far as im aware all accounts are now closed. The debt collection company didnt get hold of me for 2 years so is it still possible for me to claim against capital one as i do know that over the years the account was with them they did charge excessive charges for late payments/over limit etc... Thanks for your time