Hi, the ICO suggested I try & resolve with the banks before making a complaint to them ! I have written to Lloyd’s & Barclays again re. their non-compliance stating that if they don’t comply in full with my request I will raise a formal complaint with ICO. RBS finally responded... a tatty brown, thin, recycled envelope ripped open with statements spilling out ! Hand scrawled address...No covering letter & ignored request for loan agreements that may have PPI.. .took photos of the package before I opened it... going straight to the ICO about them... disgusting

The VERY limited information I received from Lloyds was in response to an SAR posted recorded delivery on 9th September. Will try another one & possibly report to The Data Commissioner as they appear to have decided what they want to send me rather than send all relevant information they hold. Will SAR Barclaycard RBS haven’t even acknowledged SAR sent to them recorded delivery 9th September ! Thanks for your input

Hi, I hope someone can help/give advice. I had Lloyd’s Visa & MasterCard from 1993 & Barclaycard MasterCard & Visa from 1995. I filled in an online request for information for the Barclaycards & received a letter in the post stating that I had ppi on Visa card 30/01/95 - 20/10/98 & on MasterCard 27/07/95 - 24/05/04 Then received an email link to secure message portal to download the information I’d requested. All that amounts to is 3 copy statements from 2007 with zero balance & dreadful photocopies of original postal applications where the box saying I wanted ppi is ticked. I certainly don’t remember ticking it. Did an SAR for Lloyd’s...received a pile of statements oldest being from 2000 & showing no itemised ppi… there is however a terrible quality photocopy of my original application from 1993 again with the ppi box supposedly ticked. I’m new to all this...is there any point me attempting to claim back ppi ? I certainly never received any ppi terms & conditions or anything & wouldn’t have been able to claim on it....didn’t even know I had it. Any advice welcomed. Thanks

the letter refers to the fact that the o/d was created by them - in other words I was in credit after paying off o/d & they subsequently added charge to take me into red again & continued to add charges. What I did was call them after the High Court ruling & offer to pay half if they 'called off the dogs' - sent an income/expenditure form & just asked that common sense prevail & then I threatened re. Data Commissioner - the feeling I got was that if you approach them it puts you in a better position - the woman I spoke to said they up to their eyes in it following the ruling. refund letter and funds hit account 8th Feb - still got another nasty letter dated 11th Feb from collections !!! & they have refunded the full amount + interest !

I won !!!!!!!!!!!!!!!!!!!!! & no need for court - just told them I was reporting to Data Commissioner because they never fully complied with SAR request ! Nationwide credited 418.31 to my Flexaccount today O/D made up solely of charges ! Thank you all for your help

I need some help here with the figures I'm claiming for. What figures do I need to put in my court claim. In my letters requesting payment I added up 3 columns; penalty charges, interest charged & interest on penalties as per complex charges spreadsheet - firstly was that correct ? When I put my claim on I need to add 8% to the total of the above ? is this right ? Any help would be appreciated - having set off down this route I do feel a bit abandoned now - appreciate you guys giving your help & time for free. I need advice before I commit to another 100 quid for court claim. Nationwide never bothered to send full SAR; ignore letters; don't seem worried about Data Commissioner or anyone else for that matter. Thanks Si

Just to let you know where I'm up to and would appreciate some feedback/advice. My preliminary letter and letter before action/charges schedule appear to have been largely ignored eg. standard letters from Flexaccount Collections saying that details have been passed to the Branch Service Centre & they will contact me when they've made a decision - of course never heard anything from them. So, their threats issue from one address - when you reply to that address they reply that it's been passed to another Nationwide address in Swindon - they just seem to be passing the buck ! I've never received a full SAR - when they got non-compliance letter 2 they just sent photocopied statements - no notes of manual intervention or legal action so sending letter 3 this week as they've had nearly 3 months to comply & also sending complaint to Data Commissioner. I'm in receipt of a Default Notice requiring action/payment by Sept 10th - never heard anything else about that - I'm hoping they take me to court as whole of overdraft comprised of charges & I feel I have a strong case in that they've refused to comply with SAR. In the next 14 days I'm filing a claim for my bank charges/interest & I'm also going to file claim re. non-compliance of DPA. Thanks - I could do with an 'arm around the shoulder' here - these people (Nationwide) do not seem to give a damn

I've not added the 8% - that's on a different page of spreadsheet - there are 3 columns on the complex spreadsheet - penalty charged, interest charged & interest on penalty charges - need to know if I've done it right before I send it off - I've read the postings on interest & no wiser to be honest - just wanna make sure it's right before it goes - I'm kinda 'full steam ahead ' with this now & don't wanna shoot myself or anyone else in the foot !

Thanks all. I have one more question - I've filled in the complex bank charges spreadsheet ready to send off with letter - am I right in assuming that I add up the 3 columns to get final figure I'm claiming ie. Penalty charged, etc ? the final amount I'm claiming appears to be considerably more ( about a hundred quid) than the bank's figure. Please advise - I'm useless at maths Thanks again ps the sinister phone calls continue !

Thanks for your input ! I've made a stern but polite phone call to the relevant department at Nationwide informing them of my intention to complain to Information Commissioner if they don't pull their finger out. I've also complained verbally about issue of Default Notice. Need to have a rummage around the forum again now - thanks again foryour input

Hi, No I sent the SAR template from this site - requesting all data, not limited to last 6 years etc !! Their covering letter opens: 'We are writing to you as you have asked for copies of your bank statements/a list of charges; which we assume is to enable you to reconcile your bank charges We enclose a copy of your statements/ a list of charges as requested' No copy statements enclosed, only 3 photocopied A4 sheets with charges summary as detailed in my previous post. The 2nd covering letter in same envelope is headed: 'Flexaccount Subject Access Requests' saying 'please find enclosed the information for the account requested'...it then goes on to state that '...There are many events in the history of an account which involve manual intervention. Over the course of the last six years, manual processes may have been applied to your account in order to ensure the smooth running of your facilities. If you have conducted any of the following activities, some degree of manual intervention will have been involved, however, please note this is not an exhaustive list, but will provide guidance:' then it's just a panel listing things such as Account opening, Cash deposits etc as bullet points. I'm blazing about these people now ! they've now issued a default notice - more convinced than ever now that I'm going to pursue this vigorously. Just need advice on next steps Thanks

I think I 'smell a rat' here !!! I've paid 10GBP for 2 & a bit pages of A4 copy paper with a simple table of 3 columns: Date, Description, Value - Charge/Refund Transactions 27/07/01 - 07/08/09 indicating a Charges Balance of 765.57GBP. Is this all the information I'm entitled to under Subject Access Request ? The only other items in the reply were a standard letter re. stance on bank charges/OFT etc & a photocopy of FlexAccount terms & conditions ! Thanks again Si

Hi, I could do with some more advice on this. I sent off a Subject Access Request 03/08/09 and received what would appear to be a standard response: a letter outlining their "...current policy on handling complaints from customers about bank charges", stating "...exactly what will happen next will depend on the courts"; a copy of Flexaccount terms & conditions; a 3 page summary of charges applied since July 2005 amounting to 765.57 GBP. Overdraft is 225.49GBP. My request seems to have spurred them into action !!! & I've since received 3 letters. I have received a letter dated 27th July 2009 asking that I bring account within agreed o/d limit (zero); a letter dated 10th August 2009 stating amount to be paid in full within 7 working days of date of letter or a default will be added to my credit file; a letter dated 27th August 2009 with a Default Notice enclosed, threatening CCJ etc. I have also had up to 10 a day of those automated messages let on home tel. no. What is the best way forward now ? As stated in original post I'm new to all this ! Is now a good time to send letter requesting they refund bank charges & remove default notice against my credit record ? It would appear that the current 'stay of execution' works one way ie they can take me to court, but any complaints I have against them are 'on hold'. Thanks for your help & support thus far Si

Hi EC, No I've not made a claim yet - I've downloaded a letter template stating I'm not going to pay the overdraft charges - not sent it yet - I've a week off work next week so I'll get cracking with it all then. Not really sure what order to do it all in - need to peruse this site some more. Thanks for your advice. SI

Can anyone help me with this ? I can't find the relative info on here. I had an unauthorised overdraft on a Nationwide Flexaccount about a year ago. They were charging me 20 pounds a month & interest on it a month, The charges always go out 3 days before I'm paid so always playing catch-up. overdraft was a matter of 50 quid or something. I got ahead of the game as of 2/7/08 & was 9.79 pounds in credit. I seem to remember telling them at the time I wanted to close the account & them telling me I had to reduce the balance to zero to do so. On 28/7/08 they applied another 20 pound charge taking me overdrawn to the tune of 10.21 pounds & have since applied a charge of 20 pounds & interest on 28th of every month since. The overdraft now stands at some 228 pounds on an account I don't want, need or use. I'm not trying to claim it back as I haven't paid it - I just want to know how to get them to refund it & close the account - I've had no communication from them at all - they seem happy to just let the interest rack up - I'm starting to worry now though - can anyone help me with this ? ie. how do I word my letter to them etc. Thanks from a new guy !