Hi New starter, I am about to send off my letter before action to Abbey, and am interested to know if you have an individual's name to address it to, and which address you have been using?

Background: I my rush to reclaim my money back and before I found the CAG, I sent 3 DPA letters and £10 payment using another website's template, 2 weeks ago, example below. Re: Data Protection Act 1998 request for [insert your name, sort code and account] Please send me the information which I am entitled to access under Section 7(1) of the Data Protection Act 1998 (the ‘1998 Act’) in relation to all charges which you have applied to my above noted account within the last 6 years from the date of this letter. If you require any further information please let me know as soon as possible. I enclose a cheque in favour of your bank in the sum of £10 with respect to the maximum statutory fee for processing this request. I look forward to your response within the maximum 40 day timelimit under the 1998 Act. After finding and reading the CAG template, which seems far superior, mentioning the human intervention, and disclosing the fact that I intend to reclaim disproportionate penalties, and the costs of reclaiming those penalties. Q): Would it be wrong to send a second (CAG template) DPA letter? Q): Do I need to send another £10 even when the respective banks have cashed the earlier cheques?

Thanx for your quick reply Sues35, it realy is reasurring to know that there are people at hand who have been there and done it... 1) The letter I sent was a template from thisismoney.com (prior to finding this site) and was worded so:- Dear Sir/Madam Re: Data Protection Act 1998 request for [insert your name, sort code and account] Please send me the information which I am entitled to access under Section 7(1) of the Data Protection Act 1998 (the ‘1998 Act’) in relation to all charges which you have applied to my above noted account within the last [for England/Wales – 6 years; for Scotland – 5 years] from the date of this letter. 2) I am still having a little difficulty navigating the website in general and the message board in particular, and alot of the abreviations are confusing. Could you give me a quick crash course or direct me to an explanation of terms and where I can download this websites letter templates? 3) Does the fact that I have sent out 3 Data Protection Act letters requesting information, mean that I am committed to carry all 3 of my actions through to fruition. My understanding is the clock starts ticking when I ask the respective banks to return the unlawful charges? 4) Although I have sent out these requests for imformation, over this weekend I have dug out all my old bank statements and find that I have got virtually all my statements for all 3 bank for the last 6 years. So I dont have to wait for their 40 day reply period to start proceedings. I had got the impression that they where obliged under (DPA) to provide me with a statement of isolated charges... If they are only going to supply me with statement copies that I dont need, what am I waiting for? 5) Last months charges from Abbey will not be applied to my account until the end of this month. Should I wait until these charges have been applied before starting proceedings? I do apreciate your help on these matters, as the prospect of carrying these procedure through to fruition is exacerbated by the fact that I am dyslexic. Reading, comprehending and filling out correctly, long-winded official form to a strict timetable, is just about my worst nightmare. With that said please excuse any spelling errors and silly questions... Z

Hello action group, I have just started out on my odyssey to reclaim the unfair bank charges that have be taken from me by Barclays, Halifax and Abbey, over the last 6 years. I came across your forum after being incensed by the Abbey implementing £440 of charges to my account last month, when I rang them to protest at the inproportionate charges, they halved them after leaving me for a short period on hold. These were charges of £56 for a £5 and/or £10 standing orders, It got to the rediculous stage where I was incurring charges for paying their charges, I could not find money fast enough to pump into my account. Enough is enough... The worm is about to turn... Phuew... I do apologise about that rant... The old red mist came down, and I gave the keyboard a right hammering! Look I know that everybody in this forum have all got stories similar to that, I guess I just had to vent my spleen. Anyway I sent off my requests for the information relating to charges on the relevant accounts on the 09.10.06 along with the £10 cheques. Only Barclays have replied to date, returning my cheque and imforming me that "the bank is under no obligation to present information to any particular format. Therefore, your request to assemble a schedual of charges is turned aside." They go on to say that they will send me copy statements within a couple of weeks free of charge. I dont think I asked them to present the imformation in any particular format. Delaying tactics me thinks... A quick question before I go... Is it a bad idea to go through this process with 3 different banks simultaneously?