business account not PLC

[xeileenx]

hello

 

i am new to this forum and have read many threads but cant find the answer to my problem so am asking for your knowledge and help with it.

 

I have a business account as a sole trader and wish to claim back charges for non payment of direct debits. I read that if you are a PLC you send a different letter to bank. As im not a PLC will the letter RE data protection act 1998 subject access request be sufficient to make them send me the list of transactions and charges.

 

hope someone can help

 

thanks

 

eileen

[Wickerman]

I just used the standard SAR for my sole trader account claim.

[xeileenx]

thanks wickerman

 

you look like you have been busy

 

cheers and good luck

 

eileen

[Wickerman]

...and to you Eileen. It has been busy. I just hope they don't all go to court around the same time. Could be an expensive outlay!

[jas 4]

Hi,

 

Just starting with a business account claim against Barclays and I am not sure what exactly I can claim back.

 

The business account was recommeded to me by the bank and basically it was only used to pay money in to pay off a loan for a taxi cab. It was not a limited company.

 

Anyway, I have the following entries on the statements:

 

interest charges / auto entries / standard entries / maintenance fee / a/c control fee / commission along with the standard 'unpaids out'

 

and apart from the interest charges and unpaids, I am not sure what I can claim back.....

 

Can you help??? :confused: and sorry to but in!!!

[andrew1]

You can only claim for penalties. ie: for unpaid cheques or Direct Debits and Over your limit charges and the interest charged on the penalties.

 

Anything which is a 'service' or part of normal banking charges which you would normally pay for processing cash, processing Direct Debits & Standing Orders and cheques are deemed as part of the normal banking tarrif and are not reclaimable.

[jas 4]

You can only claim for penalties. ie: for unpaid cheques or Direct Debits and Over your limit charges and the interest charged on the penalties.

 

Anything which is a 'service' or part of normal banking charges which you would normally pay for processing cash, processing Direct Debits & Standing Orders and cheques are deemed as part of the normal banking tarrif and are not reclaimable.

 

Thanks for your help, Andrew..... that is what I thought but I just thought I would double check.... on with my claim!