What agreement? The agreement between the policy holder and the insurance company? I have no knowledge of that, I have no agreement with them, all I agreed to was to make a one off payment as far as I am concerned. As far as I know, when I have done similar payments, it has meant I must agree to the use of my card for that payment during the phone call. So different companies can use different rules about my personal bank card details?

Yes it is a monthly paid car insurance policy. I looked up the basic card holder data guidelines for merchants last night as soon as I saw this payment it says Do Not Store card holder Data unless absolutely necessary. I make a monthly payment on 3 accounts over the phone and these people ask for my details for every payment, all during one single call. As far as I am concerned my card details were not Given or authorised as an alternative guarantor type source of payment, but for this one off payment. In the time that has passed the card holder might have died or divorced or indeed might not have been a close friend or family member. What is to stop this happening in the future randomly whenever they feel the need by anyone that holds my details?

I paid my daughters car insurance premium last December because she was struggling. This week I noticed a payment on my bank account to the same company. I did not authorise this payment. My daughter is currently out of the country, and although that figure may be owed I thought it illegal for any company to retain card details. Am I correct in this belief? If so who do I take this illegal payment up with, my bank or directly with the company involved?

If you don't know the answer, let me hear your thoughts.

Strange question maybe, but I moved into a shop with flat above it. The Electric and Gas were single suppliers, so one account for each utility for both shop and flat. The water companies have separate accounts, so we get 2 demands for clean water for shop and flat, plus 2 separate demands for sewage/waste water. So for one supply of water to both flat and shop, used by my wife and me, we get two bills, and we get two bills for waste water. The hot water/central heating is fed from the same boiler to both parts of the building, the waste is taken into the same drain.The shop has two sinks and one toilet Can they reasonably charge twice for the same supply ? Or am I being stupid ?

Sorry I am back again. I am having problems filling out the spread sheet. I have got the first three columns, but in the fourth and fifth columns , it shows in the formula window (if thats what its called)the following and I am almost sure fifth column is left as it is but where do I insert the date in the fourth column ? And why do I see #NAME? on the graph ? I have searched for an answer and tried variations, but must admit my knowledge is extremely limited, and my patience is waning. Thanks in advance for any help

Again thanks for the swift reply. Don't go too far, I am sure I will be worrying you for more answers. Thanks

Many thanks for the speed of your reply. I am still confused as to whether and when to add interest. The first link says in bold, ' but do NOT include the 8% interest on the schedule yet', while the draft letter speaks of X amount in charges plus overdraft interest of X amount totaling X amount. Have I spotted a problem, or is it my interpretation ?

I need someone to hold my hand. I have received the documentation I requested, I can spot the charges and I can add them up, but there is more to it than that isn't there ? I am a practical person, I normally swing a hammer or screw driver, I am not into bookwork. Do I use the simple interest calc ? Is there any other advice thread to give me step by step guidance ? This site is far too big for to get around without a guide. Many thanks for any help.

That is the address, I used shorthand. That's who will receive my letter, thanks for your help.

Many thanks, That is what I would have thought too. I shall start to draft an answer to that effect. As an after thought, should I reply directly to the address on the latest letter ? My original went to NatWest Bishopsgate London, the reply from PO Box 1000 Edinburgh ?

I copied the SAR letter and posted it dated 21st June. I have received a reply asking for a letter of authorisation for the joint account for me and the wife dated 1st July. Is this a stalling tactic ? I had not asked for information for that account as I don't recall any charges related to it. Should I decline or submit the letter of authorisation, will it need another £10 fee, if I send it ? Is there a form of wording for this authorisation ? Is there a form of wording for declining to send the authorisation ? I am asking because I don't want to put a foot wrong, especially when help is at hand here.....many thanks.

So.....by the deafening silence, there are no experts on here to advise me, or I am doomed ? Fully Repairing Leases are a contentious subject for sure.

Three years ago my wife and I took on a fully Repairing lease for a shop and its accommodation. The Landlord assured us at the time that although the Lease was strict on the length of term and notice etc. that if it did not work out, it would be in all our interests to forget the small print and we could give reasonable notice at any time.We took on a lot of his old stock, and bought several sundries, furniture, fittings etc. for the shop, which we agreed to pay in installments, much of this is still 'in stock'. From the start it didn't work out too well. We struggled on, falling further behind with rent and other debts. Eventually we decided when another premises came up for rent to move, this happened at the same time as he began to get heavy with us, threatening to bankrupt us etc. The move was delayed, because the other place was not ready, so we vacated the living quarters while still having access to the shop. He requested we stick to the lease and repair or replace the house to its former condition. We had an accident with a cheap Toaster that burned a hole in a worktop, another where the cooker hood was damaged. When he inspected the place first time around he did not bring anything to our attention, he later got an Agent to inspect it, then I got a long list. He said he would 'overlook' the worktop damage because it would be expensive for us and not fair, I had repaired it to a standard. The repairs included the following.....Painting outside wall, painting fence, painting certain internal doors, replacing certain light fittings, painting shop interior and window, repairing shop door, replacing bedroom carpet. I did all these things grudgingly, arranging with the new tenants to gain access, the shop remains empty. He has now produced an agreement that holds the non repair of the worktop and other issues over our head, asking that we pay the outstanding debt back over an agreed period and failure to do so would result in his invoking the repair clause plus interest. How can I draw a line under his threats, I think the place is either acceptable or not, if not he should pursue that, otherwise he should forget it. He is an obnoxious little man with a degree in bullying. we are obviously on the backfoot, owing him money, but surely he must divide the two issues ?

Thanks for the encouragement. It is a personal account, and common sense would dictate my simple request the best course for the bank in the circumstances. A charge of £38 for every default, tips the scales irretreivably especially when several occur on the same day and the cost is more than the DD itself. The prospect of taking on the might of the bank you have used for 15 plus years is more than a little daunting, but it has to be done. I shall be updating as this proceeds.