Thanks for that. Confirmed what I suspected, which is that I know even less than I imagined (and that wasn't much, to start with). Is there any sort of guide as to who I can send a FOI request to (and how)? Ditto for a SAR (is an Insurance Company required to comply with a SAR, for instance)? Sorry to be a nuisance. HP

I couldn't find a dedicated section for this so I hope I haven't mis-posted. If I have missed the proper section, please forgive me and redirect. If there isn't a section, maybe there could be one set up? I find both the FOI and the DP rules a bit confusing, especially as lines between the two are often blurred and can be used to our advantage and disadvantage, accordingly. I surely can't be the only person who gets annoyed when some "official" or other either releases my details to someone else under the FOI Act or denies me details (even my own) under the DP Act. Two questions, if I may: Q 1) If I make a request for FOI disclosure, do I always have to pay £10? I want to request information of a more general nature from my bank (i.e. information that is not particularly pertinent to me, but of a wider subject matter). Can I simply put in a request under the FOI Act or, if I don't include a tenner, could they simply ignore it for not having adhered to customary practice? Q 2) As the cosignatory of a joint bank account, can I request FOI disclosure solo or do both signatories have to request the information, jointly? There's two to be going on with , if somebody(s) has the knowledge and time to offer his/her/their advice. Thanks. HP