Can someone tell me what this document means?

[Michael Browne]

which would make it 435 minus 175 = £260?

Yes, that seems to make sense to me

[Michael Browne]

Ok thanks, but do you possibly have anything to confirm that for me? a post or something you could link to...

 

 

Personally, no since I don't bank with the Co-op, but there are plenty of examples in the Co-op forum eg this thread:

http://www.consumeractiongroup.co.uk/forum/coop-smile-successes/83448-bolton1-co-operative-bank-3.html

You can claim for commission less commission refunded and fees less fees refunded, I wouldn't bother with the debit interest as it's impossible to work out which percentage of it relates to the penalty charges and doesn't really amount to much anyway. Also you need to look out for unusual amounts in the commission column as these could be where you have used your card abroad and these could be transaction fees which also need to be deducted. In the fees column if you have a privilege account you also pay an amount each month for that typically ranging between £6 and £8.50 as it has gone up over the years, these also nedd to be deducted, they are not always explicit and if you have some fees at the same time as the privilege accouont money comes out they will be lumped together.

 

Actually, what is the procedure to get my hands on the complete information? I don't think I've been refunded £175 worth of bank charges (they call em commission) over the years. It's more like £100.

 

I'm suspicious of the accuracy of this document.

 

You will have to write back with a SAR non-compliance letter. See Template 1 here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

[Michael Browne]

Deduct from total or leave it out?

Doesn't matter either way. If you deduct from total, it shows that you have taken refunds into account.

Anyway that template is too generalized to use...

That's why they're called templates, you amend them to your situation

 

I have no idea what to put in myself.

 

Here's an example list of things you acn ask for:

 

 

• A true copy of the contract on opening the above account with you
  
• A true copy of the original Terms and Conditions applicable at the inception of the above account (which supports and forms the original contract/agreement)
  
• True copies of any notes, logs, transcripts, letters received or sent and memos
  
• True copies of any legal notices served, along with information (and true copies of supporting documents) of any legal action taken or pending
  
• Details of any disclosures made regarding me to any third party
  
• Any and all information held regarding me what-so-ever, on any relevant filing system regardless of media type
  
• Confirmation of your actual losses or a breakdown of your genuine pre-estimate of costs incurred for each charge applied, and to which Term or Condition this charge has been levvied
  
• Details of any and all manual intervention required to administer this account, and the proportional actual losses incurred in doing so
  
• Where information is no longer available, I require a statement confirming how any information has been disposed of, removed, destroyed and the method of doing so, by whom, when and where.
  
• Duplicate statements for the life of the account, or any hard copy print out of same showing all transactional activity on the account.
  

[Michael Browne]

Does it eman from the date they applied the bank charge to the day today as set on my current computers time or some other date? Confusing!!

Yes it's the number of days since the charge to the day on which you compiled the s/s. It takes the date from the date on your computer, and every time you open the s/s it updates the days since and the 8% to todays date

[Michael Browne]

Looks fine to me.

[Michael Browne]

...