why nobody keeps us updated. I ve got the same thing happening with allied and amex and everyone thinks that there are loads of threads around this and I had a good look around but there is not a full case that I can understand what is happenng and how the case is progressing:sad:

Thanks very much Priority.i will have a very good look around these and I will get back to you if I ve got any questions if you let me do that.... Thanks again

you r the best. Thanks for your reply. I enclosed the fee and they returned it to me!!!! From october until February 2007 inclding february they were charging me only the interest when the account was saying """"Account cancelled and with collection Department.

i also wnt o tell you that i haven t received the CCA yet. I think its soon though...

hi guys On 30 th of May Amex has received a sar and a CCA. Today I ve received all the statements. Unfortunately I am very confused. The letter says: """"I ve been passed your letter by our Correspondence Dept and understand you wish to exercise your right to Subject Access under Section 7 of the 1998 Data Protection Act. i have enclosed copy statements for you and am able to provide those free of charge as a goodwill gesture.............. However should you require a full disclosure we require you to complete the enclosed form and return it to the address above, together with your cheque (What does this means??????) Should you have any queries regarding the charges on the statements please do not hesitate to contact us in writing and attach the relevant statements.""" Now the problem is that they only charged me once with £25.00. the other 4 times that they charged me was £8.00.Iam also not sure about Interest charges.Every month they charged me around £39.00 per month even if the statement was saying that my account has been closed and been passed to a collection agency. (Is that correct?????) My charges are as follows. 24 May 2006 Late payment fee £25.00 24 July 2006 Late payment fee £8.00 23 Aug 2006 Late payment fee £8.00 24 Sep 2006 Late payment fee £8.00 24 oct 2006 Late payment fee £8.00 Unfortunately all of them are £57.00 But i Do not know how can i calculte them with interest. Can someone experienced tell me how to do it??

Hi guys Since my case is a bit strange, because as I explained before my HSBC Student account is closed and they only had my previous address I wanted to phone HSBC to see if they need any more details in order for them to identify me apart from my current tenancy agreement and the two recent bills that I ve sent together with the sar letter. I ve got the following details but it seems that nobody answers the phone. Ive been waiting for an hour or so. Does anyone got any other number that HSBC can be contacted??? Data Protection Act HSBC Bank Plc Service Quality Team Arlington Business Centre Millshaw Park Lane Leeds LS11 0PP Tel 08456 028006

thanks you very much priority one do DCA not deal with these types of reports??

Apologies everyone I forgot to tell you that I ve send a SAR and a CCA to American Express last Friday....

Today it would have been their last day i.e the 12th but on Monday it was bank holiday:) Anyway one more day + another 2 for the postage. Could anyone tell me what is the next step if they won t send anything?Should I reply to them or wait further 30 more business days?

oops SOrry for the double post

thanks you so much. Can i do anything for the accounts that are now settled? i.e C4 : MR XXXXXXXXXXXX FLAT 3.............LIVERPOOL DATE OF BIRTH......... VODAFONE EX SINGLEPOINT COMMUNICATIONS STARTED 06/01/04 BALANCE £0 SETTLED 25/07/06 C5 : MR XXXXXXXXXXXX FLAT 3.............LIVERPOOL DATE OF BIRTH......... VODAFONE EX SINGLEPOINT COMMUNICATIONS STARTED 04/12/01 BALANCE £0 SETTLED 08/01/03

THANK YOU VERY MUCH. can i also ask you something else. Can i do anything for the missed payments that now show settled??? i.e C4 : MR XXXXXXXXXXXX FLAT 3.............LIVERPOOL DATE OF BIRTH......... VODAFONE EX SINGLEPOINT COMMUNICATIONS STARTED 06/01/04 BALANCE £0 SETTLED 25/07/06 C5 : MR XXXXXXXXXXXX FLAT 3.............LIVERPOOL DATE OF BIRTH......... VODAFONE EX SINGLEPOINT COMMUNICATIONS STARTED 04/12/01 BALANCE £0 SETTLED 08/01/03

why nonone is replying/helping in this thread?

can anyone explain me please (I ve got my own thread) http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/90712-alexskord-everyone-defaults.html and tell me if I can send a letter for a default which is not settled? for example American Express passed my credit which is 3070 pounds into AIC and the default is showing balance of 3070 and then American Express put a default. and also can I send the same standard letter to Vodafone as well without by default been settled? thanks in advance

thanks a lot Michael

thanks a lot Pugsley

thanks a lot lateralus. You are very kind

hello everyone, Today I have received a letter from AIC including a Complain Procedure leaflet which was attached to thei response. As you ve read in the thread I ve send them two letters. One was the CCA Letter and the other one was the Telephone Harrassment Letter. I have not got a clue what response is the one that they send me...is it for the CCA or the telephone Harrassment letter? My other query is they say that they received my complain on the 17th of May but I ve got a receipt from Royal mail which is saying they signed on the 14 th of May. Thats why I am putting the response as I received it. Does anyone got any suggestions of what is all about and what should I do next? i mean should i send them a letter which is saying that they ve got the date wrong or should I wait the 12+2 days?? Thanks

one more question please. theyhave to send my statements in 40 working days or 40 days? thanks

Can Anyone Please Tell Me If I Can Send The First Letter To Vodafone Without The Default Being Settled?? Thanks Very Much In Advance. Any Suggestions Will Much Appreciated

Hi Pugsley Can you please tell me what do you mean by saying go ex directory and also what a means form is and where can i find it? the thing is that my overdraft has been passed to DG Solicitors...which is very confused... If you ve read my thread i ve asked if I can still send a sar to hsbc when my overdraft is passed to DG solicitors and the responses I had was YES YOU CAN.

AIC (ALLIED INTERNATIONAL CREDIT) BY FAR THE WORST.they are abusive and they keep calling me at work and they are bullying me.F*** them.

no but the thing is that i did not give them my new address.........

Please Help Me Because I Ve Got 1 Day Off And I Can Do Some Hard Work For Them:)

Do I Need To Cca Vodafone Ex Singlepoint???