I have recently sent a SAR to GE Money for burtons, to the following address: GE Money PO Box 700 Leeds LS99 2BD Is this the same address, that you received your quick response from? Good Luck with your claims. x

Thanks for the address. Sorry, I only read the first few emails as hadn't noticed the links to further items on the thread. Seems like they have given you the right run around. I won't expect this one to be quick and easy. Good luck with your claim.

Hi Sarah, How did you get on with your claim? Can anyone tell me the address to send a S.A.R to GE Money (Burtons)? Happy New Year to you all xx

I'm guessing he is just sending out standard letters then as this is similar to the response I received today saying that he wasn't refunding any of the charges. Just about to prepare my LBA Your letter looks fine to me. I would post first class recorded delivery as soon as you can. Good luck with your claim

Just received a response from Tommy McLean in Customer Relations. _________________________________________________________________ Summary of letter RBS stated that their charges are fair, reasonable and transparent, in accordance with our contract that also complies with all law and regulations. Do not accept OFT findings. OFT only investigated credit card fee and have not consulted RBS or industry in relation to charges on current accounts. Differ with views in my letter, and will not refund any charges applied to my bank account. But thanks for the letter ________________________________________________________________ mmm....I already pay them £542 as I am a platinium account holder, and they consider taking another £1,100 over three years to be fair. Time for LBA I guess. Is this a standard letter of response? What is the standard response to LBA? Interesting comments regarding OFT. Queen G

I imagine that you will receive a similar letter very soon, as I also received an acknowledgement letter about one week ago. I'm going to send an LBA for SAR as they have not sent me the data I asked for. The goodwill gesture was nice of them. I won't treat it as a bribe, so I will continue toclaim a full refund of all charges. I am also reserarching how to approach for interest and contractual interest. Good luck with your claim.

For some reason they have only included statements up to feb this year. Wonder what they are trying to hide from Feb to date?

Today I received a letter responding to my S.A.R letter. The letter was dated 2nd November offering a goodwill gesture of £160. I heven't worked out all charges accurately yet, but my guess is they amount to approx £300 ______________________________________________________________________ Summary of letter: Charges are clearly set out in T&Cs. Costs incurred for late payment fees are substancial. It is unauthorised borrowing if over credit limit. Set charges reflect the costs of dealing with defaults for all custmers and are upfront about why and when will be applied, so are valid fair and enforceable. We have enclosed statement info detailing charges. As have not treated as full sar request, have returned cheque and will not charge on this occassion. Form enclosed to submit if wish to obtain full SAR. Valued customer - so have credited account with £160 goodwill payment. MBNA disagrees with OFT interpretation of law and maintains charges were always legal and fair but have reduced fees to £12. Must honour revised terms or will cancel card and agreement. If no further communication within next eight weeks, MBNA will assume matter is closed. _______________________________________________________________________ So, one stamp was worth £160. Not bad so far

On the 10th October, I requested data from you as detailed in the attached letter. I enclosed the £10 Data Protection Act subject access request fee. The 40 days in which to comply with my request will come to an end on the 13th November. Please confirm receipt of my request.

No response yet from s.a.r letter, but deadline is the 13th November. Today I sent the following email to Custermer services. To: [email protected] Subject: FW: ***Data Protection Act 1998 Subject Access Request*** Send: Thu, 2 Nov 2006 17:11:56 +0000 //var body=(navigator.userAgent.indexOf('Safari')!=-1)?document.getElementById('msgbody').innerText:document.getElementById('msgbody').value; var body=document.getElementById('msgbody').value; body=body.replace(/

Oops, here's my letter:-). I can send spreadsheet of charges if anyone would care to have a look. Thanks in advance The Royal Bank of Scotland PLC 36 St. Andrew Square Edinburgh Midlothian EH2 2YB 02 November 2006 Request for payment of charges Dear Sir/Madam ROYALIES PREMIER: ACCOUNT NUMBER – 10115767, SORT CODE – 16-2618 I am writing to ask you to refund to me the charges which you have levied from my account since it was opened in 2003. I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. The bank may only cover its costs when charging their customers for any breaches of the contract/agreement, anything over and above this is deemed a penalty and therefore unlawful. Additionally, it has been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. Your responsibilities I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner that complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them. Your concealment of the true nature of your charges has prevented me from asserting my right until now. What I require I enclose a schedule of the charges that I am claiming with this letter. You have taken from me £1,109.37 in penalty charges. I have calculated this amount and applied a compounded contractual rate (Comp. Cont. Int).of interest of 29.84%, which currently amounts to £1,961.49. I expect that you consider this a fair, reasonable rate, as this is unarranged borrowing rate that you currently charge customers. I therefore believe this rate to be justified under the principle of mutuality and reciprocity, as is based on the overdraft interest rate that would be applied under the terms of the above account. I am writing to reclaim this amount. In order to settle this matter out of court, I will except a settlement payment of no less than £1119.37 (inc. penalty charges and SAR data fee.) My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive the settlement payment in full. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. Should you choose not to respond to these letters, and fail to comply with my request, there will be no further communication from me and I shall issue a claim in the small claim court at the expiry of the second deadline. This claim will be for the full repayment of all unlawful charges, plus compounded contractual interest of 29.84%, SAR data protection fee, and all court costs. I look forward to hearing from you in order to resolve this matter. Yours faithfully,

Hi Can you spare a little time to help with my claim? I am about to send my prelim letter to rbs, and would appreciate fresh set of eyes, to look over it to give me confidence that I'm on the right track. My approach is to try and get all penalty charges and sar fee refunded, but if unsuccessful to claim contractual interest calculated using the following link. Compound interest calculator Thanks Queen G

What a coincidence that's exactly what's in my other hand at the mo. I've had a grumpy Baba all day so it's well earned and needed. Gx

I have all my individual charges and dates on a spreadsheet already, so to calculate the interest rates for each one shouldn't be too hard. I think I do need more confidence though, so I'll keep swatting up for now. .·:*¨¨*:· CONGRATULATIONS.·:*¨¨*:· on your .·:*¨¨*:· WIN.·:*¨¨*:·

Thanks guys. I've been reading around the site and held off posting my prelim letter yesterday. First thing I need to add is my reclaim of £10 for S.A.R, presuming that I can claim this now? I also did not include interest of any kind, as there is just the odd 20 or 30p here and there. I am aware that the norm was to claim 8% interest only claimable when taken to court. After reading around (see A New Way of Looking at Interest- 1st successful Claim - N'wide initiated by Bank Fodder), I have realised that I may be able to claim a significant amount more if I include contractual interest. The argument is that the penalties have been unlawfully taken, that this is the equivalent of borrowing by the bank, therefore the sum borrowed should attract a contractual rate of interest. As the levying of penalties was unauthorised, then one could say that the contractual rate of interest was the unauthorised borrowing rate (e.g. RBS unauth. rate of 29.84% :o ). This rate is calculated per charge, on a monthly basis from the date it was taken. This is all implied in the thread linked above. Any experience of trying this with RBS? If I decide this is the router I wish to take is this amount added to my claim at prelim stage or just threatened that it will be claim should it reach the courts for settlement? Is this just being greedy or do you think I should give it a go? Queen G