Ha Ha....... I WAS complimenting you!!!!!!!!!!!!!!!!!!!!

Thanks for taking the time to offer your support Apple... and yes, everything you have said is absolutely correct! It leaves me speechless that Abbey (who I once believed was such a reputable company) would behave in such a terrible manner. I will follow your thread and offer my support wherever needed... GOODLUCK Debx

Thank you very much Lula... all printed off ready to post by 'next day special delivery' in the morning. And I am reading, and will continue to read, so as to try to understand... and I DO understand UNTIL we get to this bit!!! And then as soon as there is any mention of courts... its all jargon and I go into panic mode. You all talk like a load of solicitors!!!... and I'm just little ol' me. I am very grateful for your guidance x

Lula and Glenn... thank you both for your words of encouragement, it is very much appreciated. If Im honest, I have read through other threads tonight and most of what Im reading is going straight over my head!!! Im afraid that I don't understand... which possibly added to my lack of confidence to proceed before! I only received two months worth of statements!! The last letter I sent to Abbey was:- Pam Speed Regulatory Compliance Abbey National plc Abbey House 201 Grafton Gate East Milton Keynes MK9 1AN LETTER BEFORE ACTION Section 7 – Data Protection Act 1998 Friday 21 July 2006 Dear Ms Speed, Your ref: xxxxxxxxxxxxx Account: xxxxxxxxxxxxx I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated Wednesday 7 June 2006. 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. All statements for the period covering 07 June 2000 to 30 January 2005 have not been received to date. 2) 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. Please note this letter has been sent by ‘next day special delivery’ and is therefore guaranteed by Royal Mail to be received by Abbey by 1pm on Saturday 22 July 2006. Yours faithfully, Do I need to send this again because of the time lapsed?? Deb

Hi All, Please don't shun me... Ive been away from this site for quite some time! I lost my fight!... not just to Abbey but in many aspects of my life. I feel both ashamed and embarrassed. Could you please help me get back on track to continue my fight with Abbey (if its not too late!). Deb

Thanks Debx and... Karnevil - yes it does :confused: .....kind of One step at a time ay. Ive had another read of the template letters and I need someone to explain what point 2 in the LBA Non Compliance letter means exactly please.... 2) You have provided no notes, or documents relating to any legal action between you and myself. Dont know if this applies to me or not???? Do I leave it in or take it out???? I quite simply dont understand what it means Please advise... Thanking you Deb

Hi Gail Welcome to the forum. You will find invaluable support here! Just thought Id send you a quick message because 'Give-me-it-back' is also in Scotland!... and has been desperate to find another user from Scotland on this site to lean on and discuss boundary issues and stuff. Am sure she will be thrilled to know she has a neighbour at last!!! Goodluck Deb

Hi All, A brief summary todate.... Thursday 8 June 2006 - SENT DPA request as template provided together with £10 cheque, sent by 'next day special delivery' Saturday 17 June 2006 - RECEIVED response from Abbey with the microfiche arguement saying not covered under Data Protection Act... therefore not subject to 40 day ruling. Monday 19 June 2006 - SENT microfiche arguement letter as template provided by Alan, with an additional paragraph added stating that they were NOT to change my DPA request to a 'standard multiple statement request' and reminding them that they had 30 days left to comply with my original DPA request. Thursday 22 June 2006 - RECEIVED copy statements covering period 20 March 2005 to 20 May 2006. Tuesday 27 June 2006 - SENT letter acknowledging receipt of the above statements received, REMINDING them that they now had 21 days left to comply with my original DPA request. Beginning of July 2006 - RECEIVED odd looking print outs of transactions (not like previous copy statements! ???possibly microfiche printouts) for period 30 January 2005 to 22 March 2005. Tuesday 18 July 2006 - ***TODAY*** RECEIVED letter giving microfiche arguement AGAIN!!!!!!! (please see copy of letter below...) Wednesday 19 July 2006 - ***40 DAY DEADLINE*** Dear XXXXXXXXXXXX, Thank you for your further letter regarding your request for a copy of the transactional data held about your bank account. I confirm that you have been given all the transactional data you are entitled to under the Data Protection Act as you have been provided with all the transactional details that are held on our systems. Any previous transactions have been archived onto microfiche and it is not possible to provide you with a computer print out of this information. As these microfiche records are not held as part of a relevant filing system, they are not covered by the Data Protection Act and will not therefore be supplied to you under a Section 7 Data Protection Act request. However, I confirm that arrangements have been made for the microfiche records to be sent to you in due course. If you have any questions please call us on the above number. Yours sincerely PAM SPEED Business Manager Banking Servicing As you can see the 40 day dealine is up tomorrow, I dont understand why I have received the microfiche argument AGAIN!!!! Do I proceed with letter template 'non compliance to DPA request' tomorrow??? I have read and re-read most threads/templates/notes on here but would greatly appreciate some reassurance that Im taking the correct steps please... Debbie

MESSAGE FOR ADMINISTRATOR - (Dont know how else to contact you without the link that was flagged up with 'invalid thread')... All seems to be ok now, posting is as above, dont know what I did wrong?? Very sorry. Debbie

Hi All, A brief summary todate.... Thursday 8 June 2006 - SENT Data Protection Act request as template provided together with £10 cheque, sent by 'next day special delivery'. Saturday 17 June 2006 - RECEIVED response from Abbey with the microfiche arguement saying not covered under Data Protection Act... therefore not subject to 40 day ruling. Monday 19 June 2006 - SENT microfiche arguement letter as template provided by Alan, with an additional paragraph added stating that they were NOT to change my DPA request to a 'standard multiple statement request' and reminding them that they had 30 days left to comply with my original DPA request, sent by 'next day special delivery'. Thursday 22 June 2006 - RECEIVED copy statements covering period 20 March 2005 to 20 May 2006. Tuesday 27 June 2006 - SENT letter acknowledging receipt of the above statements received, REMINDING them that they now had 21 days left to comply with my original DPA request, sent by 'next day special delivery'. Beginning of July 2006 - RECEIVED odd looking print outs of transactions (not like previous copy statements! ???possibly microfiche printouts) for period 30 January 2005 to 22 March 2005. Tuesday 18 July 2006 - ***TODAY*** RECEIVED letter giving microfiche arguement AGAIN!!!!!!! (please see copy of letter below...) Wednesday 19 July 2006 - ***40 DAY DEADLINE*** Dear XXXXXXXXXXXX, Thank you for your further letter regarding your request for a copy of the transactional data held about your bank account. I confirm that you have been given all the transactional data you are entitled to under the Data Protection Act as you have been provided with all the transactional details that are held on our systems. Any previous transactions have been archived onto microfiche and it is not possible to provide you with a computer print out of this information. As these microfiche records are not held as part of a relevant filing system, they are not covered by the Data Protection Act and will not therefore be supplied to you under a Section 7 Data Protection Act request. However, I confirm that arrangements have been made for the microfiche records to be sent to you in due course. If you have any questions please call us on the above number. Yours sincerely PAM SPEED Business Manager Banking Servicing As you can see the 40 day dealine is up tomorrow, I dont understand why I have received the microfiche argument AGAIN!!!! Do I proceed with letter template 'non compliance to DPA request' tomorrow??? I have read and re-read most threads/templates/notes on here but would greatly appreciate some reassurance that Im taking the correct steps please... Debbie

Just an update... Today I received 14mths worth of bank statements. Have gone through them all and highlighted any charges. I plan to write to them ackowledging receipt of these statements for this period and reminding them of those Im still waiting for together with a polite reminder of the deadline. Any views/thoughts for or against this would be much appreciated. Thank you Deb

Am only giving my opinion...did say to speak to those who know what they're talking about! I am concerned that Abbey might say 'if you didnt want us to treat it as a standard request for statements then you should have told us sooner'...not 2 weeks later. We are the first to complain when we dont hear from Abbey for a fortnight, all I was wondering was if James needed to be more careful with the wording so as not to fall into any of Abbeys traps??? Deb

'I have also noticed that from your letter dated 7th June that you have taken my DPA request as a request for statements and you state that the microfiche stored transactions aren’t covered by the Data Protection Act.' James, I don't like this bit, don't know why but it just doesn't sit comfortable with me. Reading all the posts in your thread up until this point I felt concerned that Abbey had done the same to you as they had to me...by ignoring your DPA request and treating it as a normal statement request! - it looks like this is also why the first set of statements were forthcoming AND so promptly - almost in an attempt to appease you and detract your attention from the confusing wording in their letter. Having just read your last post, I can see that you now think the same. I just feel that the wording I have highlighted in red sounds too much like you have accepted that they changed your request (even though I know that is not what you mean). Especially as the letter was dated the 7 June, so therefore couldn't the Abbey argue that you should have 'noticed' it sooner!! My letter states that if I do not want them to do this that I should contact them. Just wondering if it could be argued that too much time has lapsed!! Also the microfiche letter template written by Alan comes with the advice to contact them immediately!! What does everyone else think??? Not sure I'm explaining myself very well?! Are you sure you have this letter dated the 7 June?!!!... Because if the Abbey haven't communicated with you at all then maybe it would be time to write to them again with copies of your original letter stating how long they have left to supply all the requested info under the DPA regulations!!!!!!!!! Discuss this with those on this site who know what they're talking about James!!! Deb

Cor! Glad you weren't my English teacher! lol :grin: Thanks nn, glad you read and corrected it - was concerned whether even the content was suitable let alone any mistakes. Know where to come now when I need any of my letters checked Deb...Was a bit (oh dear...now is that right or is it abit - close your eyes nn please!) windy here today! Perhaps you could put up a couple of windbreakers on the hills by you?! Deb

No, sorry I'm afraid I don't...its too windy in Scotland Hmmm... ok, here's what I think (but wait for responses from the experienced ones!) I think it is important that Abbey are clear of the deadline and have no opportunity to blame you for any unnecessary delays but I also understand your worries about looking as incompetent as them (hey...we are allowed to make mistakes, this is all new ground for the majority of us!!). If it was me, I think I would have to put my hands up and write to them again. How about you write something like...... Dear.............. Account number : .................. 'On .../.../2006 I wrote to you regarding my Data Protection Act request on the above account. The 40 day time frame by which you are legally bound to comply within, I misunderstood to be 40 working days. As you are well aware this is not the case and is infact '40 calender days'. Therefore, to avoid any further delays or possible misundertanding I wish to make it quite clear that the 40 day deadline expires on .../.../2006. Whatever you write Debbie, make sure you definately send this letter by 'recorded' or 'next day special' delivery! Deb

Ha ha...Yeah!!! :grin: Have just added you to my buddy list (not sure what that means though ) ...but you are my first buddy!!! It is a great comfort to read ALL these threads but it is even more reassuring when you read those where each stage and hurdle is almost identical. Pleased to meet you Debbie

OHHHHHHHHHHH!!!!!!!!!!!!!! ITS BACK!!!!!!!!!!! :grin:

Yes, I am rather proud of that one!!! :grin: Recommend everyone else to send any letters by the same method Excuse me please mods.... Good morning to you! Could someone please tell me where my signature has disappeared to???? I woke up this morning and it was gone!!! Many thanks Deb

Good evening comrades, Thank you for your continued support and guidance... Sent off the microfiche arguement letter as per the template on this site (thanks again - wouldnt have managed it without you) Sent by 'next day special delivery' which guarantees delivery by 1pm tomorrow AND requires a signature... which can be tracked on the Royal Mail website AND shows electronic proof of signature received as evidence. This service costs £4.10 My first letter was sent by this method to Abbey, and they claimed to have not received it until the 12 June whilst I have proof they received and signed for it on the 9 June (...and so I enclosed a print out copy of this proof - the electronic signature - together with my 2nd letter!!!...just so we could clear up any possible misunderstanding as to when the 40 days actually did start!!! . So, £4.10 well spent!!! Deb

Hi all, Have found this thread very useful as am at the same stage with the same microfiche arguement and Abbey using the same 'not covered under Data Protection Act' tactics to delay my case. Keep me informed GMIB please (I will try to keep up and not miss any entries) Deb

HTH and fuzzybobble... thank you both I am going to read the template letters again and see how best I can adjust the letter to suit my situation. Many thanks Deb

Thanks Caro, I have read so much on this site and I will continue to do so and I have infact read many threads similar to mine. But...it feels so much more scary when its 'your' letter from Abbey that drops on the mat. Its so easy to worry that any slight variation or additions in the wording than that in other peoples letters may totally change the meaning or even the necessary action to be taken. Thanks for your reply though Deb