thanks for the numbers - unfortunatly got my towns muddled and have already tried two of them (01264 832297 / 832915) but will try the other one! Keep your fingers crossed for me, I'm finding this all quite stressful!

The next stage is now giving me a headache! Any guidance would be gratefully received, terrified of doing something wrong... I sent off my thanks but no thanks letter and got a letter in response (standard issue as it refers to my 'maintaining payments to my account' and states that my 'account balance consists of transactions that I have made' - bloody hope not as they've confirmed that account's been closed for over a year!) which basically says they're not willing to up their offer to a full refund. Do I now need to start on the court stuff? And is this when I need to consider adding 8% interest?:-?

Having a nightmare, can anyone help?! Don't worry, there is a question at the bottom! Some history - I've previously sent off a SAR and £10 cheque to Lloyds. Got letter back saying I would have to nominate a branch to collect the data from as my address has changed since holding the account, their letter said I would receive a telephone call when the data was ready to collect. I nominated my branch and noticed that the £10 cheque had been cashed (bloody cheek! ) but I still had no call to say the data was ready. I couldn't find my branch telephone number. I phoned customer services - they told me they don't deal with charges refunds and gave me another number (Aldershot, I think) who als then told me they don't deal with it either. Aldershot give me another number - I get a recorded message saying the number is no longer in service by Lloyds and giving the Customer Services number. I call this again and they call my nominated branch - the data is not there. The customer services manager then says the number they have been given (by Lloyds) to pass out to customers enquiring about refunds is the Aldershot number!! She doesn't know what to suggest (I feel quite sorry for her as she really seems to be trying her best!). On the positive side she did agree that Lloyds have breached the DPA and that I have done all that I can to get my data. My question is, how do I proceed? I have no idea what my charges could be and Lloyds have only sent one letter to me in response to four that I've sent them so sending yet another request, especially when they've already cashed my cheque(!!!!) would seem pointless and really annoying:evil: . Please help!

Thanks - I'm fighting on . Have just printed the letter, will be in the post tomorrow! katslo

many thanks - I've been going round in circles trying to find that!

Hi - can anyone help me with this? I've finally (after lots of stalling and inaccurate info) got my request for a refund off to Crap1. I've got a reply offering to refund £8 per fee applied - they say the 'OFT haven't challenged the right of banks to charge default fees, but merely the level of those fees. Althought that we feel £20 is a just fee (!!!! - those I've added!), we've reduced our fees to £12 so that we're in line with our competitors. ..I've reviewed your account and as a gesture of goodwill, I'd like to reduce the fees we've added to your account to £12 each.' I would like to refuse this offers, the suggestion that they've only reduced there fees to keep in line with their competitors is, frankly, laughable. Are they seriously suggesting they would loose income they see as legitimate for this reason? I somehow doubt it! But it has taken me so long to get to this point and so much fighting to get my info, should I just give in and accept? I thought I'd seen a 'thanks, but no thanks' type of letter on here, but I can't seem to find it now. Can anyone point me in the right direction or help with the wording of a suitable letter? Many thanks, katslo

Thanks for the responses. I've already sent the SAR letter using the template on this site, that's where the incorrect data i've been given comes from. I'm going to give them a call on the number suggested by flacon65 and let them know that i'm not happy as i can't help feeling this is a breech of the data protectoin principles in that data must be accuratly kept. Hope this works and will keep you posted - thanks for the guidance, any more advice will be gratefully accepted!

I feel really out of depth with all of this and the catalogue of errors made by Capital One aren't helping! I asked for a list of charges for both my cards and only one turned up. I wrote again requesting data for the second card and still nothing - then I had a brainwave and went to my last address and there were both letters (the second apologising for sending the first to my previous address ). The problem is that for both cards overlimit charges have been added when the accounts are closed and in addition the info relating to the second card (of which I have two copies) is entirely different each time! I called the number shown on the 'what to do if we make a mistake' leaflet enclosed with the info but was rudley treated and told to write to the Exectutive Response Unit. I'm getting fed up with this and don't know what to do as I feel that their data is so unreliable that I can't claim back my charges yet. I'm also really confused by the whole claiming back interest issue but feel like throwing in the towel before I even get to that! Any ideas on how to tackle this would be really appreciated - I don't want to let them get away with this!!! Thanks.