Hi, i have calculated all the charges such as unauthorised overdraft & unpaid item charges and am at the point of applying these charges to a spreadsheet. However, i am not a confident spreadsheet user and although i have accessed the spreadsheet , supplied by another member on the forum ,through google, i am having a nightmare understanding how to calcualte the interest. If i have sporadic charges, for example on one month i may be charged £25.00 and the next month £90.00 how do i calculate the interest? Do i from the date the charge was applied calculate each separate charge at 8% up todays date ,for example a charge of £30.00 2 years ago would be calculated at 8% over 2 years?? or put 8% on top of the whole amount? So confused and more importantly i do not want to give the bank (Barclays) an upper hand if i don't calculate the interest properly!! Could someone help me please , it would be really appreciated Laura

hi, i received the same letter from Barclays, with my cheque returned saying that they would send the info free on this occassion. Going to wait the 40 days from when i posted the letter lets hope they do send them. good luck laura

ok thanks, i will give them the full 40 days and if i haven't received what in need then i will have to pester them. Is there any reason that they can give me for not sending me all charges relating to my account from April 2000 when i opened it , to now? This is so scary especially when you are up aginst one of the biggest banks in the UK!! thanks for your help, much appreciated, laura

Hi thanks for replying , i sent £10.00 off with the subject access letter from the library, should i not have done that? what happens if they don't send all the information that i need from the year 2000 to 2006? Also, does the 40 days start from when i posted the letter , the 28th sept? Thanks laura

Hi thanks for replying , i sent £10.00 off with the subject access letter from the library, should i not have done that? what happens if they don't send all the information that i need from the year 2000 to 2006? Also, does the 40 days start from when i posted the letter , the 28th sept? Thanks laura

Please can someone help????? I sent the primary letter, subject access request to the bank requesting my bank charges on the 28th September , this is what i received back today from Barclays Bank and copied onto this blog, Data protection act We refer to your letter of 28th September, which was passed to this department for comment due to your request for certain information, relating to bank charges, under the terms of the Data protection Act ["the Data Protection Act"]. Please be aware that the Bank is not under an obligation to present information according to any particular format. Therefore, your request to assemble a schedule of charges is turned aside. You may of course obtain this data from copy statements and these will be supplied to you within the next few weeks without charge on this occasion. As the Bank is providing the copy statements on a complimetary basis your payment is returned herewith. we would advise however, that some statement information arising from the period prior to and possibly during 1999 to 2000 is manually stored in the form of microfiche and does not fall within the data subject access provisions of the Data Protection Act. As regards your mention of "manual intervention", the Data Protection Act does not oblige the Bank to comment about internal policies and procedures. Furthermore, in the context of managing day to day transactions arising from out of order accounts, the Bank does not hoild the information you have requested in a form that would be covered by the Data Protection Act. Whilst aggregated information is reatined for statistical purposes, this would not constitute "personal data" under the DPA and therefore would not be covered by a s.7 DPA subject access request. For the avoidance of doubt, the fact that we do not generally record information in a way that is caught by the provisions of the DPA , is in no way an admission that there was no such manual intervention. Yours sincerely Peter Townsend Manager, Barclays Data Protection help so confused, does this mean that they will send all information that i need from 2000 to present day or am i going to have to send another letter??? what do i do now?? Laura

Please can someone help????? I sent the primary letter, subject access request to the bank requesting my bank charges on the 28th September , this is what i received back today from Barclays Bank and copied onto this blog, Data protection act We refer to your letter of 28th September, which was passed to this department for comment due to your request for certain information, relating to bank charges, under the terms of the Data protection Act ["the Data Protection Act"]. Please be aware that the Bank is not under an obbligation to present information according to any particular format. Therefore, your request to assemble a schedule of charges is turned aside. You may of course obtain this data from copy statements and these will be supplied to you within the next few weeks without charge on this occasion. As the Bank is providing the copy statements on a complimetary basis your payment is returned herewith. we would advise however, that some statement information arising from the period prior to and possibly during 1999 to 2000 is manually stored in the form of microfiche and does not fall within the data subject access provisions of the Data Protection Act. As regards your mention of "manual intervention", the Data Protection Act does not oblige the Bank to comment about internal policies and procedures. Furthermore, in the context of managing day to day transactions arising from out of order accounts, the Bank does not hoild the information you have requested in a form that would be covered by the DPA. Whilst aggregated information is reatined for statistical purposes, this would not constitute "personal data" under the DPA and therefore would not be covered by a s.7 DPA subject access request. For the avoidance of doubt, the fact that we do not generally record information in a way that is caught by the provisions of the DPA , is in no way an admission that there was no such manual intervention. Yours sincerely Peter Townsend Manager, Barclays Data Protection help so confused, does this mean that they will send all information that i need from 2000 to present day or am i going to have to send another letter??? what do i do now?? Laura

Please can someone help????? I sent the primary letter to the bank requesting my bank charges on the 28th September , this is what i received back today from Barclays Bank and copied onto this blog, Data protection act We refer to your letter of 28th September, which was passed to this department for comment due to your request for certain information, relating to bank charges, under the terms of the Data protection Act ["the Data Protection Act"]. Please be aware that the Bank is not under an obbligation to present information according to any particular format. Therefore, your request to assemble a schedule of charges is turned aside. You may of course obtain this data from copy statements and these will be supplied to you within the next few weeks without charge on this occasion. As the Bank is providing the copy statements on a complimetary basis your payment is returned herewith. we would advise however, that some statement information arising from the period prior to and possibly during 1999 to 2000 is manually stored in the form of microfiche and does not fall within the data subject access provisions of the DPA. As regards your mention of "manual intervention", the DPA does not oblige the Bank to comment about internal policies and procedures. Furthermore, in the context of managing day to day transactions arising from out of order accounts, the Bank does not hoild the information you have requested in a form that would be covered by the DPA. Whilst aggregated information is reatined for statistical purposes, this would not constitute "personal data" under the DPA and therefore would not be covered by a s.7 DPA subject access request. For the avoidance of doubt, the fact that we do not generally record information in a way that is caught by the provisions of the DPA , is in no way an admission that there was no such manual intervention. Yours sincerely Peter Townsend Manager, Barclays Data Protection help so confused, does this mean that they will send all information that i need from 2000 to present day or am i going to have to send another letter??? Laura

help!! new to this and wonder if someone could possibly give me some guidance.This may sound daft but does the SAR need copying onto word or can it be printed off from the library? Also , can the letter be sent recorded delivery to my Branch in the City centre or does it have to be sent to the head office ? A cry for help!! lauzie xx