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Got a pile of statements need to go through them all now.

No statements sent to me? They cashed my cheque. Now what?

No response! No statements, and the cashed my check!?

What shall i do now?

Still waiting for my statements....the clocks ticking.....

Sent another secure chaser email.

As i still have not recieved any of my statements, nor a reply to my last email asking with this form is.

Recieved the statements from MINT:

Only 2 late fees in 2 years:

Gave them a call they said they would refund the latest late fee £20. They said they would need a letter regarding the first late fee 10/04/04 £20 explaining why i believe it should be refunded.

They said before they will accept the payments from the CCCS they need to default me first, gits.

Recieved a statement back, no covering letter or explanation about any manual intevention.

charges:

7/04/06 UNPAID DD COSTS £25

13/04/06 ADDITIONAL INTEREST £2.54

18/04/06 ADMIN ARREARS CHARGE £25

Total £52.54 for being late with one payment, in 5 years.

I called them and asked them to refund the charges on the grounds that it is unfair and i have only 8 more months left on the loan aggrement. The gave me the usual bull about the term & conditions.

Said can we come to some sort amicable arrangement otherwise i will have to take this further, she said she would make a not on the account, end of converstation !!!

Is it time for the LBA?

Egg response via online secure mail:

To ensure you get the right answer to your question, I've passed your message on

o our Account Servicing Team. I've asked that they contact you shortly.

Thanks for your message.

Yes i sent a cheque with the original DPA request. They have cashed it as i can see on my bank statement.

Sent the DPA on the 8th of May:

Recieved a response dated the 15 May on the 16 May.

the letter

"I acknowledge receipt of your request for a copy of the personal data held by this Bank in connection with the above numbered account, together with your fee for £10. Under the Data Protection Act, this is referred to as a Subject Access Request.

I note that you have requested a complete list of transactions and charges relating to your account since opening, in addition to the disclosure of notes relating to manual intevention on your account.

I can confirm that arrangements will be madwe for the information to be provided with 40 days of the data of this letter.

Shanna Bennett"

What do you think of this, and should i reply?

Just recieved a letter from Mint dated the 11th.

Account termination: Saying they have recently served a Default notice on me for not paying the amount due.

I am currently on a debt management plan with the Consumer Credit Counseling Service, they pay mint every month on the 25th, ableit less then they used to get but much more than me going bankrupt.

This really does suck!

Received reply dated 10 may on the 16th of May:

They cashed my £10 cheque boooo!!!!

The letter:

"Thankyou for your letter dated the 2nd May 2006.

I enclose a Subject Access request form for you to complete and return to ourseleves accompanied with a cheque for the sum of £10 payable to Morgan stanley foundation, in respect of your request for information, to which you are entitled to under section 7 of the Data Protection Act 1998.

Please complete and return the attached for with your cheque and we will provide a full response in due course.

Should you require and further assistance, please do not hestitate to contact us on the freephone number below above.

Graham Gibson

Data Protection Officer"

Firstly they have not sent a cheque to me, infact they have already cashed the cheque i sent ?????

Now the form:

Page 1: Name and Address details.

Page 2: Are you the person completing this forum....

Page 3: Please describe the personal data you seek together, with any other relevant information that will help indentify it.

Table

Persananl Data Requested: Department (if known): Data Range of Personal Data:

Please supply the following documents with this application form and tick the appropriate boxes to show you have done so:

In all cases

Box1 :Evidence of your identity, for example driving license or birth certificate (photocopies acceptable).

Box2: Stamped address envelope for returning the document.

........

How do i reply to this???

Just posted this through online banking:

FAO Jenny Gordon / E. Ewell

With the regard to your request for identification for the DSIR, i believe my signature in my previous letter should be enough for the DSIR request. Also the documents you asked for(Identification - statements) i believe to be delay tatic and as such will be reporting this incident to the OFT. Also i would like to point out that the address you should be sending the documents to is the one that is reqistered with egg and is were egg send my statements.

My letter dated the 8 May asking for DSIR still stands and from today you have left 30 days to comply with my request and counting.....

Also the letter you sent mentions a form to fill in, there was no form provided (Another delay tatic?) nor do i believe i need to fill in a form.

Please accept this secure message as proof of who i am and that the requested for the DSIR documentation is legitimate.

I look forward to reciving the requested DSIR documents.

Regards

Jeremy

But what is on the form?

Just recieved a letter (Your Data Subject Information Request (DSIR)) asking for me to prove my identification?

I find that amazing since the address they send my statements to and the address that has been registered on there system for over 5 years is the address i asked them to send the data to????? Bonkers!

Identification:

A bank, building society or credit card statement.

A store card statement

A utility bill

Shall i send them one of my egg statements!? lol Better not since that my also add to delays.

What the DSIR letter does say:

"What information will be included in the Data Subject Information Request?

You will recieve a copy of all personal data we hold about you on our computer or paper files, along with a set of explanation notes. This data may include, as applicable, the following products:" blah blah

So that all sounds very promising, until i read....

"What happens now?

Once we have recived your identification document we will begin processing your request. We will provide your data within 40 Calendar days of recieveing your completed form and fee"

What bloody form!!!!

Dpa sent....