This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

My apologies. Noted for future reference. Lenny

May I ask why?

Yes thanks I shall use it also and post any replies here. Lenny

Lueeze I see I got the same reply as you. May I ask what letter you used in response to their 'no structured filing system' letter pse as I am now t the same juncture. Cheers Lenny

I got similar reply but it stated that it didnt hold computer records before 2004 and as they dont have structured filing system before this time they do not have to comply under the DPA. . Please send me the information which I am entitled to access under Section 7(1) of the Data Protection Act 1998 (the ‘1998 Act’) in relation to all charges which you have applied to my above noted account within the last 6 years from the date of this letter. 2. If you require any further information please let me know as soon as possible. 3. I enclose a cheque in favour of your bank in the sum of £5 with respect to the fee for processing this request. 4. I look forward to your response within the maximum 40 day time limit under the 1998 Act. Yours sincerely I too would appreciate any help. Lenny

Hi Have looked around the website and I dont know if my eyes are going funny, but can I claim unauthorised O/D fees? Does anyone know a link to exlplain how all this works from start to finish? Much obliged for any help Lenny

Approximately yes. Long story!

Hello everyone First time here and I would be grateful for some advice please. Over 5 years ago I took out a consolidation loan with First Plus to consolidate my CCs and Loans which amounted to approx £28000. I sold my house and with the equity I settled the loan. They charged me approx £10,000 ealry settlement fee which I paid. I have been given a heads up that maybe I could claim back some of this as it may have been unfair expecially as I had to take out another loan to pay it off. Grateful for any advice please. Many Thanks Lenny