Ok, No statements have arrived despite a phone call to Abbey who assured me they would despatch as a priority so I have now sent of my prelim with estimated charges. LBA to be sent 15th Nov and I return from India on the 6th Dec to put in my claim. thanks settingsun

thanks bish, yes very helpful thanks. have decided on a course of action... i'm due to go to India on the 16th Nov, my sar 40 days is up on the 30th oct so I thought I would give them the full 40 days then put in my prelim then the 14 days later my LBA which would give another 14 days by which I would be home a few days later. i just want to keep a close eye on proceedings and as people have said keep to MY timeframe. thanks for the help really appreciated!!

also... taken from the prelim template: 'What I require I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX '. what interest is it referring to as I thought you only applied interest when you made a claim? anyone please, this is driving me nuts!!1

Hi Bish, No, no box for estimated charges. the interest (s69 8%) for 1 year of charges came out at 14.71 so i'm assuming that when I reach the point of making a claim i multiply this by five to cover the years I am estimating . Does anyone know the address I should send my prelim? ta settingsun

here is the one without interest over the last year, how do I add on the other four tears estimate? and how do i calculate the interest on these four years any help really really appreciated ************ ABBEY NATIONAL ******** ********* CLAIM DATE: 20-Sep-2006 TOTAL CLAIM: #VALUE! TOTAL AMOUNTS 450.00 Charge Reason Charge Amount Charge Date CLEARING CHEQUE TRANSACTION 30.00 10-Nov-2005 CLEARING VISA TRANSACTION 30.00 10-Nov-2005 UNAUTHORISED OVERDRAFT CHARGE 20.00 11-Dec-2005 CLEARING VISA TRANSACTION 30.00 11-Dec-2005 CLEARING VISA TRANSACTION 30.00 10-Jan-2006 UNAUTHORISED OVERDRAFT CHARGE 20.00 13-Mar-2006 CLEARING CHEQUE TRANSACTION 30.00 13-Mar-2006 UNAUTHORISED OVERDRAFT CHARGE 20.00 11-May-2006 CLEARING VISA TRANSACTION 30.00 11-May-2006 UNAUTHORISED OVERDRAFT CHARGE 20.00 11-Jul-2006 CLEARING DD/STANDING ORDER 30.00 11-Jul-2006 CLEARING VISA TRANSACTION 30.00 11-Jul-2006 UNAUTHORISED OVERDRAFT CHARGE 20.00 10-Aug-2006 CLEARING VISA TRANSACTION 30.00 10-Aug-2006 CLEARING VISA TRANSACTION 30.00 10-Aug-2006 CLEARING VISA TRANSACTION 30.00 10-Aug-2006 UNAUTHORISED OVERDRAFT CHARGE 20.00 10-Sep-2006

also how do I enter the previous four years estimate?

Hi all, right I have entered the last twelve months of charges into the spreadsheet (simple google with interest one, is this right?) and have exported it to both pdf and xls. i now have a copy detailing the charges and a copy showing the interest as well. I put the date I sent in the SAR as the claim date, is this correct? if anyone could look it over for me i would really appreciate it as i'm panicking that it is not correct. thanks settingsun p.s my next step is to send in the prelim letter with a schedule of charges only is this correct? thanks

thanks sharon

Should I change the titile of my thread to settingsun vs abbey? and could someone give me some advice on the above questions. many thanks

thanks bish, i have 20 months of statements which totalled £650 but from sept 06-sept05 the total is £450. I was thinking of putting in the estimate based on this and multiplying it by five going back to 2001, would this be ok?. I know I got hit for lots of charges in 2004 as my daughter was born and it was a tight year financially. just to recap: SAR sent 18/09/06 microfiche argument - recieved 02/10/06 dpa request - sent 03/10/06 20 months of statements recieved 10/10/06 obviously they have not completely fullfilled their DPA obligation, what are my next steps? do i wait the 40 days then put in an estimated claim? could someone explain what could happen next? sorry fo so many questions ta settingsun

Many thanks Karnevil, just to be crystal, do you mean if i have 12 months of statements which show £500 I then just list £500 for 2005 £500 for 2004 etc sorry for being a bit slow and cautious ta settingsun

hi all, I have been reading the forum for a couple of months but this is my first post. I sent the S.A.R on the 18th sept and recieved the microfiche letter on the 2nd oct. I then sent the DPA request on th 3rd oct and have now recieved statements dating back to jan 05. my questions are these: Q. i seem to remember reading a thread on an estimated claim covering 5 years based on the statements they had which was about twelve months of statements. can i estimate the charges I have no statements for based on what I've got?. if so how do i do it? any help really really really appreciated as I cant find the thread i was originally looking at. many thanks for your support in this nerveracking experience. settingsun