Well done Dannybhoy (and to your girlfriend) It's threads like this which encourage us all to soldier on and take on these bankers!! Jengis

I sent my request to RBS at St. Andrews Square, which isn't my branch but it is one of their main offices - I presume they will direct it internally if required. Which bank is it?

Good luck Caz - I'm not far from Haddington but was thinking of using Edinburgh if\when I go to small claims. Jengis

Not yet Piggybank, I've only just sent my first Data Protection Act requests off, been reading the forum for several days now. I like to make sure I have all the info I need before getting into things like this, hence the reason I went along to court, just to get the feel for it. With all the info gained here, coupled with the visit to to court, I'm happy about the whole process now. Incidentally, did you submit your claim at the front reception desk, or is there an office within the court building? Jengis PS: Let us know if you end up in court, I might pop along for moral support.

Best of luck! .... which court is it? Jengis

Hi folks, Phew....I've now probably read hundreds of posts since finding the site 4 or 5 days ago, been through all the FAQs and feel like I could now take on any bank!. Just a thought.... as some of the moderators have said, you shouldn't do this unless you are prepared to go all the way, and I can imagine most people don't fancy having to go to court..... and that includes me. Anyway, point to this post? - just to say that I popped along to Edinburgh Sheriff Court this week just to get a feel for it and I can honestly say my fears have disappeared. I wandered up and sat in the public gallery (alone I might add!) and listened to several small claims - they don't last long and the claimant (us) didn't tend to have to say much as the defence has already been lodged so the Sheriff knows the reasons you are claiming. Granted - these were not our type of cases (as none of the banks seem to get as far as court) however I just wanted to re-assure people that it seemed a relaxed atmosphere, very few people in the room, and it seemed more of a chat than a hearing. In contrast, I popped into some of the criminal courts, much different, people in the public galleries observing, several lawyers, horsehair wigs etc and all very formal (read intimidating!) So, small claims?... bring it on! I hope this may allay some of your fears about court, and my advice would be to take a day off and go along yourself and get the feel for it - just incase. Jengis __________________ *If you find my posts informative, please click on the scales in the top right corner of the post. RBS - 2 Current Accounts & 2 CC Accounts 20/09/06 - Data Protection Act request Sent BOS - CC Account 20/09/06 - Data Protection Act request Sent Egg Card 19/09/06 - Statement request email sent 20/09/06 - Reply "£5 will be taken from account"

Yep, thanks from me too dannybhoy, that's way more detail than I expected and I'm very grateful for you taking the time to do it . That's probably cleared up the last bit of the jigsaw for me, I was comfortable with the rest and quite happy to go to court, I just didn't know what to do when I got there!! I'm going to start going through my Data Protection Act requests now to various CC companies and banks, although I don't actaully get charged that much but we'll see anyway. More interested for my mother, lots of charges! - I'm going to help her sort it out and hopefully claim back quite a lot. If it goes to court I have said I will represent her (small claims) I presume that's ok? One other thing, I'm not sure whether to raise an actions at Edinburgh Sheriff Court or a smaller regional Court - both same distance - anyone any recommendations - e.g. big busy court or small quiet court? Thanks again, I'll be watching your threads with interest!! (no pun intended!) Jengis ;-)

Well done Dannybhoy, glad it is going in your favour!. Could you tell us the procedure in court as I think realistally most of us as not expecting to have to go that far. Do you have to explain to the Sheriff why you should have the money? or is it enough to reference the legislation which states that the banks can't profit out of charges and as such you want them there to explain their charging mechanism (knowing that they won't of course!). Any more info would be great as I want to be prepared for the event if it comes to that! (Probably in Edinburgh!) Jengis PS: Check out number 32 in the small claims list! Dumfries Sheriff Court Rolls - 14/09/06