Hi again The statements arrived this morning in 2 A4 sized envelopes. Have calculated that £725 has been taken unlawfully from our account. Before I send the preliminary letter a quick question. It's a joint account now and all charges were incurred when joint but hubby opened this account as soon as he left school. Do both names need to be listed or can I just get on with it. Only 1 of us needs to sign for the Bank. Your thoughts would be appreciated please. Sarajane

Hi Joanne Just searched through the posts and you might like to lok at this thread regarding the Banks paragraph, it's informative. http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4448 Sarajane

Hello all, new to this, so please excuse. After reading the boards I decided to give it a go. I wrote on 3 May with your standard letter format. I received a reply today from Peter Townsend refunding the £10 cash I sent, they cannot process cash !!!! Copy statements are in the post to me FREE OF CHARGE. However, the letter states "as regards to your mention of 'manual intervention', the DPA does not oblige the Bank to comment about internal policies & procedures. Furthermore, in context of the managing of transactions arising from out of order accounts, the Bank does not hold the information you have requested in a form that would be covered by the DPA. Whilst aggregated information is retained for statistical purposes, this would not constitute 'personal data' under the DPA and therefore would not be covered by a s.7 DPA subject access request. For the aviodance of doubt, the fact that we do not generally record information in a way that is caught by the provisions of the DPA, is in no way an admission that there was no such manual intervention." What does this mean please? So I get my bank statements shortly, I hope, and I suppose I have to add up all the 'exceeding overdraft' charges myself. What about the interest? I get charged interest for the authorised overdraft & I assume, for the unauthorised amount. Does that come into the calculations? Look forward to hearing from someone more savvy than I . Sarajane