Thanks a lot. Have called them and they've told me I need to look at the "Commission" column in what they have sent me and not the "Fees" column. This wasn't described properly in the letter they sent. But its good as it means I have the info I need. By the way - love Amused to Death - excellent album, definitely Roger's best solo work! ;-)

Hi there, I sent a letter to my bank (Smile) requesting DPA data. I used the template letter at the following site: PENALTY CHARGES :: FIGHTING YOUR CORNER - FOR FREE They have responded within the 40 days, but their response is inaccurate. It is a list of charges on my account for legitimate services over the past 5 years - specifically for the "smilemore" service which gives me free holiday insurance etc. None of the penalty charges I know I've been charged over the past 6 years are mentioned. The accompanying letter states that it is a "list of default charges" and states that this sort of information is free of charge, and therefore they have enclosed my cheques which I sent to them. Have they deliberately got this wrong in the hope that I will go away? Has anyone else had this experience? What is the difference between default charges and penalty charges? What should I do next? Many thanks, fingersmalone