bump

can anyone please explain what or how I work out what the overdraft interest is for the sum mentioned in my prelim letter to abbey.The £3662 is an estimate figure.

What I require

I calculate that you have taken £3662 plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

I wrote to shabby to inform them there 40 days are up next week.(after recieving usual fob off letters re microfiche) is the next letter to send them the prelim letter with an estimate for last 4.5 years (got the usual 15months statements) if so what does this mean ?

(I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken.)

do i send a schedule of charges with this letter,with the estimate?

is a charge for overdraft not authorised a penalty charge that I can reclaim?

sorry for all the questions,just a little confused.

thanks for that info

can anyone tell me ? when you fill in the spreadsheet do you include the interest charged for going overdrawn that month i.e. £10.79 as well as the overdraft charges and other charges

can anyone tell me ? when you fill in the spreadsheet do you include the interest charged for going overdrawn that month i.e. £10.79 as well as the overdraft charges and other charges

yes thanks,read that letter and my second letter was on that basis with my £10 fee,this letter is an adaptation of that letter with a reminder to shabby of the time left of the DPA

can anyone tell me if this letter looks ok to send, in reply to the letter shabby are sending ref microfiche records being sent in due course

ABBEY

PO BOX 1109

BRADFORD

WEST YORKSHIRE

BD1 5ZJ

12TH July 2006

Account number xxxxxxxxx

Dear Pam Speed

Thank you for your letter dated 3rd July 2006 stating you have supplied me with all transactional data held on my account, that I am entitled to under the Data Protection Act.

You mention that arrangements have been made for the microfiche records to be sent to me in due course.

However I am now aware that these microfiche records are part of a relevant filing system, and thus subject to the Section 7 Data Protection Act 1998 and Subject Access Request.

As you will be aware, as of this date you have just 14 days remaining since you received my original request in which to comply with my request. As stated in my previous correspondence with yourselves a complete set of account statements, or list of charges for the period in question will be acceptable; however ,I expect this to be provided within the time period for Data Protection Act compliance.

Yours faithfully

thanks alot cillitbanger!!! cannot wait to see my last five year statements,if like last 14 months over £800 in charges.its scary when you start adding it up

thanks for the replies: Re: microfiche records/due course,

but not answered my second question. is my 40day deadline from the first letter or the second letter when I sent my £10 fee? if its from second letter, is it working days or just 40 days,if so 26th july is the deadline.

On the 22nd May I sent abbey my 1st letter requesting my last six years statements.I recieved 14 months worth of statements and a request for £10 for details stored on the microfiche files.Sent second letter requesting that a computer printout would be acceptable and £10 to cover the admin fee.Today recieved my second letter from abbey dated 3rd July.The following extract taken from the letter is concerning me,what action should I now take,and is my 40day deadline from the first letter or the second letter when I sent my £10 fee?

(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.)

On the 22nd May I sent abbey my 1st letter requesting my last six years statements.I recieved 14 months worth of statements and a request for £10 for details stored on the microfiche files.Sent second letter requesting that a computer printout would be acceptable and £10 to cover the admin fee.Today recieved my second letter from abbey dated 3rd July.The following extract taken from the letter is concerning me,what action should I now take,and is my 40day deadline from the first letter or the second letter when I sent my £10 fee?

(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.)