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Everything posted by popcrash1974

  1. Thanks for the moral support, it really helps!!! while im waiting for the response, how should i be readying myself for the next stage? I doubt theyll get my bank statements to me before the 7 days are up.
  2. Times up letter sent 18th august so 7 days to wait for them to get abck to me.
  3. Thanks for that, will get it in the post today. I dont know how i would estimate it as my bank charges could be high one month and then nothing the next at times.
  4. i think this is the letter i should be sending now, even though they say they are investigating my complaint. Dear Sir/Madam Account: I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated (Insert Date). The disclosure of personal data is incomplete in that at least the following documents are missing. 1) You have failed to provide a complete list of transactions and charges.(Add details of missing period - or a transaction that you know about which is not included) 2) You have provided no notes, or documents relating to any legal action between you and myself. 3) You have provided no notes, or documents relating to instances of manual intervention. This is not an exhaustive list by any means, it is just an example of some of the information I am missing. Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998. The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court. Yours faithfully, Do i leave points 2 and 3 in as i dont understand what they are referring to or if they apply to my case?
  5. Really need some help on this one guys, i need to know what to do otherwise im going to slip up and they will delay me even further. HELP!
  6. Received a letter today from Abbey saying: "thankyou for contacting us and i am sorry that you have been so unhappy that you have felt you must complain. one of my team will be responsible for investigating your complaint and i have enclosed our complaints leaflet, which explains our procedure for doing this.blah blah blah.... if we have not contacted you before then, we will write to you in four weeks to let you know what is happening. marc winder head of complaints" So do i ignore this and go ahead and send the follow up letter saying time has allready run out? Please advise?
  7. Update! Natwest have accepted my overdraft to match my abbey one on the grounds that i will be closing my abbey account and transferring all my banking to them immediately.So now if they threaten to close my account my answer will be whaty account??!!! Ive sent a letter to abbey today informing them time is running out to get my statements, to the customer care address that i saw on the main abbey thread.Hope this is a good move?
  8. Ive printed out the letter in the templates library reminding them their 40 days are running out. Trouble is im not sure who i should be sending it too exactly. The standard address on abbey statements or is there a specific department i can send it to that will speed things up?
  9. Could well be, maybe a little less though, i wont know untill 2004's statements turn up as i think that was quite a bad year for charges.
  10. I now have my 3 clear abbey statements needed for Natwest to allow me open an account, so went this week to fill in the details and to get them to switch all my details from abbey to them, so far so good, they just need authority from their head office to give me the overdraft that will match my shabby one so i can wave goodbye to them for good. In the meantime i got statements for all of 2005 and that letter that says they need a tenner that i mentioned in first post.Havent heard anything back since then so i plan to print that letter ive seen on here reminding them they only have 10 days left of the 40. Ive added up what they owe me so far and have added them to the caculations template. £600 plus so far!!! Feeling much more confident about all this now and slowly gaining the knowledge to do this! I know that when Natwest finally get my account up and running itll only spur me on more to take out abbey and for them to get what they deserve for all those years of dire service.
  11. Thought id add some feelings too, so maybe newbies like me can identify with the inititial dread of trying to understand the legal jargon ect.Then see how the confidence builds as i get a better understanding of the system. I dont know where to start with adding up the fees, whats game and whats not and do you add interest or not. I worry that it will be too complicated later on and they will perplex me with legal and bank jargon. I worry that i will end up in a small claims court on my own and not know what im talking about enough to defend my rights. I think "do i need to buy that book advertised here that helps you out or maybe pay a proffesional or will it all become clear and by following online help ill get there by myself"
  12. Rang abbey and said i wanted back statements for past 6 years for both my still open account and also my other now closed account with them. The gentleman said he could do the open account but to sort out back statements for the closed account id have to go into a branch, even though i had the account details. He said there would be a one off charge of £10 for mutliple statements. A few days passed and i received maybe 9 individual letters for open account ( i decided not to look into closed account yet, one account at a time i think) The statements were like what people described here, like a normal statement without charges details at the bottom. The thing about these statements was that they were for various months in 2005. Would have thought they send 2006 first. A few days passed and i receved another letter with a kind of print out statement and attached info on cheques and bills id paid. This was for the beginning of 2005. Next thing i get is a letter saying thanks for recent request for copies, infos no longer on system and is archived. therefore an admin charge fee is needed of £5 for one statement and £10 for multiple statements. A form was attached to ask for specific statements from and too and payment method. So i was told on phone the money would be taken straight out of my account on my first call and wasnt.They sent me initial statements for free!!! and then ask what i want and a payment. Very odd. Ive now filled in form asking for the months i need and mailed it today. In the meantime i guess i should start totting up what they owe me from the statements i have. I think i read theres some online form that i can fill in my monthly fees to help me add it all up?? And how long do i wait for all the statements, is there a cut off time for them to do this? Also wanted to open an account with natwest but they say they need to see 3 up to date statements from my present account with no bounced or late payment charges on it, end of this month should give me three clear statements and so will open my "parachute" account with them. wonder if they will match my abbey overdraft incase abbey close my account and i cant pay back my £1,850 overdraft!
  13. Thanks, i know as i becoeme more educated in this that it will become easier but the laws ect perplex me and thats where the scaryness comes into it.
  14. Reading through this thread and being new to this procedure of claiming money back this absolutely terrifies me, ive read quite a few threads now and is it the case that more people are reaching the court system than just getting their money back before it comes to that? Is there maybe a certain finnancial cut off before they decided to fight more, say maybe the higher amount they owe you the more likely itll end up in a small claims court? The earlier stages i have no worries about but the later stages terrify me.Which is what they want i guess.Will go through with this just need to learn more i think.
  15. I rang abbey today using the bog standard number on my monthly statements. i have 2 accounts with them, one open and one closed. they said they would send 6 years statements for open account and it would be £10. the closed account he says he cant access and i will have to ask in branch. So thats very odd that they told you there was no charge. Will look forward to reading if you got your statements or not.Good luck!
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