Price of copy statements

[Guest NATTIE]

You all know how to start the process. Get the statements and work out how much money you are owed and off you go. But how much does it cost?

The main way is DPA which gets you statements, manual intervention, microfiche, and ALL computer notes on your account. I trawled a few sights to find out how much you would be charged JUST for copy statements.

Please feel free to add to this list as it does not cover all banks or for that matter Credit Cards(more research i think).

It's not always clear whether it covers a full 6 years(with request, yes but with statement, not sure) Hope someone can clarify it.

 

 

Alliance and Leicester £5 per copy statement

Barclays £5 per request

HSBC £1 per statement

HBOS £5 per request

NatWest £5 per request

Royal Bank Of Scotland £5 per request

Woolwich £5 per statement

[Bexybexbex]

When i requested the past 6 years bank statments from HSBC, they did quote me £1 per statement. Ia sked for clarification and was told this would be £1 per copy statement so £12 per year. However the past 12 months would be free. I went down the data protection act for £10 which they didn't actually charge me and got them all.

[Batfink]

Or my experience with Nat West.

 

£5 for copy statements taken twice

£10 SAR payment taken once

 

£15 refunded once

 

£20 taken for copy statements (same day as refund!)

 

No wonder I'm moving bank anyway!!!

[Guest NATTIE]

I was hoping that we were going to discuss what other banks charges for copy statements for CC as well.

Batfink- clearly a number of errors have been made in relation to yourself and only one charge £10 for SAR should have been taken but it didn't happen. £10 is still owed. If you sent a cheque it shouldn't have been debited twice

[besty01]

ulster bank-£8 per sheet

[meagain]

Do you think perhaps someone should point out to them that someone asking for a copy statement is effectively asserting their rights under DPA? :o

[Guest NATTIE]

meagain-someone asking for copy statements is not necessarily requesting a SAR, simply due to numerous reasons, ie non receipt of one, requiring additional copies. I think a some people are confusing SAR with just copy statements

[meagain]

meagain-someone asking for copy statements is not necessarily requesting a SAR, simply due to numerous reasons, ie non receipt of one, requiring additional copies. I think a some people are confusing SAR with just copy statements

 

The trick here is to stop thinking of SARs are some special communication requiring some special action. S7 doesn't lay down any prescribed form, only that the request be in writing. It doesn't even require you to mention the Act (in a way, if the bank wants to charge you for them and you then have to invoke the Act, something is very wrong) If you look at it in another way, which I think was probably the way in which it was intended to be read, put simply, if you ask for personal information, you've an absolute right to it (subject to the maximum charge). So, if you ask for a bunch of copy statements, the maximum charge should be £10. After all, the only real difference between writing to ask for a copy statement and making a SAR is the inclusion of three little words, so why should there be a cost difference because someone specifically does or doesn't mention the Act?

 

See where this is going?

[Guest NATTIE]

I know what you mean but asking for personal info re: notes on account etc,etc, is more than just copy statements. Copy statements with NW are £5 per request. that means 6 years worth of statements for £5, however with SAR there is details of manual intervention that is not on statements. That means £10

[wizardcompuk]

yes i telephoned natwest and they agreed to send me copies of all of my statements for past 4 years for a £5 fee. Which they put on my account. incredible as im £800 over my £1600 overdraft which by the way is all charges from last 6 months so god knows what 4 years will bring. Egg wanted £10 a statement rbs said £3 but phoned up later and got for free. makes you wonder if they are slowly catching on

[BankFodder]

Just to be litigious again, if there was no SAR available for £10, then I would be challenging the banks' price for copy statements on the basis of s.8 Sale of Goods Act - and I rate my chances very highly.

 

I would say that about 10 pence per sheet is more than reasonable - delivered.

[Guest NATTIE]

BF just to be devils advocate- what about postage? And Post Office are now charging for weight of postage

[barracad]

RM have always charged by weight - I think you mean they are soon to be charging by size as well as weight.

 

I suspect a large organisation like Natwest could send 6-10 A5 pages in a C5 envelope for around 14p. Maybe even less as if I recall correctly, Natwest actually use TNT or some other carrier instead of RM for their postage.

[noobrider]

wouldn't this be an argument under the microfiche problem...ie they're easy enough to produce if your willing to pay for them but if you DPA us we can't manage it because it's too much work

[Guest NATTIE]

Work for NW don't have microfiche problem so NO

[sandrajl]

but isnt the whole point that if they didnt charge so much in the first place we wouldnt be requesting them now???????.... does anyone actually know how much it costs the banks?...(any abbey employees out there ?)

[Glenn UK]

The argument is about whether the data is in a relvant filing system.

 

Supposing we agreed a bank didnt have a relevant filing system then they could charge you for providing that data, pretty much what they like not withstanding sections of other legislation and I bow to BFs knowledge here.

 

However, if they have data on a relevant filing system, as defined within the Data Protection Act, it doesnt matter what that data is they have to supply it, when asked by the subject.

 

they can currently chagre a max of 10 quid for the lot as far as i can tell. However, it seems to me that if you offer to pay and they refuse payment this does not prevent the S.A.R - (Subject Access Request) being valid. They can charge a maximum fee it doenst say they have to charge a minmum fee i think.

 

These prices (those posted above) are interesting when contrasted against the penalties levied by the various organisations we are sueing.

 

Seems to me that if it costs 20 quid or more to bounce a dd and send out a letter automatically, then the cost of finding data on a system that isnt relevant, should be a lot higher than the few quid being charged.

 

After all, according to the banks its really difficult and time consuming to search all those boxes of fiche!!

 

Do you think a judge would be interested in this point if raised?

 

As an afterthought if the banks/cc companies are writing to us with this info, is it worth collaitng the actual data theyre circulating for people to use in evidence as a indication of the bank costs?

 

GLenn

[debpye]

Hi everyone,

 

Sorry for my ignorance - A first timer to be exact. Still not quite there with the SAR and bank statement charges. I am understanding that if a request is made for previous 6 years copy statement then we are looking at paying approx £10 per statement = £120 per year = £720.00 to pay upfront. If this is correct, am I correct in assuming that these statement charges can be claimed back as they were only requested due to the banks overcharging in the first place.

Also at what point would a SAR be required.

Thank you

[Guest NATTIE]

debpye- which bank are you with, and that charges seems ridiculous. £10 SAR covers statements

[debpye]

I am trying to get an idea of what upfront monies are required.

So asking any bank for the last 6 yrs statements will be a one off charge of £10.00 if requested through a SAR. (NOT £720.00 FOR THE LAST SIX YRS STATEMENTS???)

Am I still not on the correct wave.

[Guest NATTIE]

definitely not £720.00. Most banks have a tariff for copy statements, For example, NW is £5 per request, although some staff seem to interpret it slightly differently, from my viewing of the threads

[chica]

You only have to pay £10 for all your statements under the SAR. Use the template in the letters section. Send a cheque or postal order. They will most prob not cash it. If they do you claim it back at the end when you are filing your court case. No way would I pay £720 for 6 years bank statments!!

[debpye]

Hi everyone, thank you for your previous advise. I am still revising or as they say at school (A LONG TIME AGO) I'm swatting. Would you advise to send the initial SAR direct to the banks head offfice or my own branch.

[jb79]

Silly Question but how much of the cost of a £20 DD charge is spent on recording the event, 25% say £5, it would have be embroided on silk at that cost.

[Guest NATTIE]

Somedays I read the title of a thread somedays I just post on random things not associated with the thread because it is helpful to no one seeking information, somedays I am too sarcastic, somedays I wrack my brains when I see some information I am sure has been incorrect, somedays I drift off thread in a stream of consciousness that just won't leave my head and somedays I censor myself because i am on your side and do not want to vent my anger as I read things of gigantic proportions as my wall cowers again as I contemplate banging my head against it and sometimes I use the word sometimes too much and need to stop writing when I can read threads or stay in the chat room rather than simply click the post quick reply and realise that my words in full will be seen by others and no matter what i have said will be interpreted in a million different ways. I may not agree with your point of view but I will fight tooth and nail for you put that opinion accross. my madness sudsides and darkness engulfs me and all is silent and I am calm.