Ludlum Vs Abbey

[ludlum]

Hi. (and help)

 

Today I reveived a letter in response to my DPA request from Pam Speed of the Abbey. I would be grateful for some adice on the next step...

 

The summative points of the letter are as follows.

 

• It only refers to one of the three Abbey Current Accounts that I have, I specified all three Account Numbers in my initial letter but the reply only refers to one of them.

• The claim to be unable to provide a list of charges over the last 6 years only a list of transactions which will include any charges.

• They say I will only receive data currently held on their systems free of charge. Earlier records are stored on micrfiche and not covered by the DPA and therefore not subject to the 40 day ruling.

• They state that they can supply details of transactions held on microfiche for a fee of £10 for multiple monthly statements per account.

• They offer to use the £10 to finance the microfiche records I require but do not specify if they will provide for all three accounts or just the one they have referenced in the letter header.

• They are also "unable" to provide evidence of any "manual interventions."

I also received a separate letter to similar effect stating thus..

 

We can supply details of transactions held on microfiche on payment of an admin fee of £5 per account for 1 archived monthly statement or £10 per account for multiple monthly statments.

 

Could any of you kind folk advise me of the next step, particularly in the context of the fact that I have three accounts with them and they seem to want paying for each account and the fact that they have not acknowledged my two other accounts. Also, what should I be getting for my one off payment of £10 of which that have received?

 

Look forward to hearing from you. Please Help, itching to progress !!!!!!!!!!!

 

Ludlum.

[ludlum]

Hi. (and help)

 

Today I reveived a letter in response to my Data Protection Act request from Pam Speed of the Abbey. I would be grateful for some adice on the next step...

 

The summative points of the letter are as follows.

• It only refers to one of the three Abbey Current Accounts that I have, I specified all three Account Numbers in my initial letter but the reply only refers to one of them.

• The claim to be unable to provide a list of charges over the last 6 years only a list of transactions which will include any charges.

• They say I will only receive data currently held on their systems free of charge. Earlier records are stored on micrfiche and not covered by the Data Protection Act and therefore not subject to the 40 day ruling.

• They state that they can supply details of transactions held on microfiche for a fee of £10 for multiple monthly statements per account.

• They offer to use the £10 to finance the microfiche records I require but do not specify if they will provide for all three accounts or just the one they have referenced in the letter header.

• They are also "unable" to provide evidence of any "manual interventions."

I also received a separate letter to similar effect stating thus..

 

We can supply details of transactions held on microfiche on payment of an admin fee of £5 per account for 1 archived monthly statement or £10 per account for multiple monthly statments.

 

Could any of you kind folk advise me of the next step, particularly in the context of the fact that I have three accounts with them and they seem to want paying for each account and the fact that they have not acknowledged my two other accounts. Also, what should I be getting for my one off payment of £10 of which that have received?

 

Look forward to hearing from you. Please Help, itching to progress !!!!!!!!!!!

 

Ludlum.

[Guest Niklowe]

• • It only refers to one of the three Abbey Current Accounts that I have, I specified all three Account Numbers in my initial letter but the reply only refers to one of them.

  • The claim to be unable to provide a list of charges over the last 6 years only a list of transactions which will include any charges.

  • They say I will only receive data currently held on their systems free of charge. Earlier records are stored on micrfiche and not covered by the Data Protection Act and therefore not subject to the 40 day ruling.

  • They state that they can supply details of transactions held on microfiche for a fee of £10 for multiple monthly statements per account.

  • They offer to use the £10 to finance the microfiche records I require but do not specify if they will provide for all three accounts or just the one they have referenced in the letter header.

  • They are also "unable" to provide evidence of any "manual interventions."

As you have asked for the Data from all accounts that is the data they have to give you.

 

As long as they give you the details of the charges, amount, date, what for etc, that's all you need.

 

Point three is their standard microfiche fob off. The OFT is visiting them on the 6th Sept to see if this can be classed as a relevant filing system. There is a letter from Alan from Derby in the Abbey section that has a reply to this fob off.

 

It's a regular ploy to try and use the £10 to send you the microfiche statements, but they can take their time.

 

They haven't revealed any manual intervention to anyone. If they did it would blow their case for the charges out of the water.

[ludlum]

I seem to be lacking in replies in comparison to others, please help me by viewing my threads LUDLUM VS ABBEY posted on 23rd Aug.

 

Many thanks.

[kia]

hiya kia here thought your thread looked a little lonely so thought id put a little comment on it you need to ask things as well like me and suz mind you we need more help than most eh!!!and i am commenting on two threads at the moment they keep me busy what stage are you at and if your viewing this suz ive not abandoned you honest!!!

[ludlum]

Hi all.

 

Sorry for my impatientness, just itching to get on I suppose. Am about to draft my next letter in response to microficeh business from Abbey.

 

Any copies of templeted letters that have proven results would be greatfully received.

 

Lud/

[pred24]

Hi lud I think im in the same boat as you I keep asking questions but im getting all worried cos no-one is answering my questions what stage you at ive got 11 days till the original 40 days is up & im struggling on the prem letter!!

[ludlum]

Someone did mention a bang on template reply but cant recall where. Perhaos somebody will be so kind as to point at where.

 

Cheers,

Lud.

[philread1]

Hello Ludlum

 

I think you find that you won't see any 'results' to any of your letters that you send shABBEY. What you are doing at present is following all the steps that you need to cover yourself, so that shABBEY can't really come back with much of an argument or defence to your actions at getting these unlawful charges back.

 

The most important thing to do throughout this process is to keep to your timetable, whether or not shABBEY are replying to any of your correspondence, as they will try to shake you off at any chance you give them to seize upon!!! At least by doing this, if you ended up in court, you can give them a full run down to what you have done, what you have sent etc. and they won't be able to argue against it.

 

Click on the link below, copy and amend it and get it off to them. This is what I did. Once the 40 days are up (from the date they would have received your SAR) then you can send them a LBA for non-compliance if they have'nt sent you all the information that you have asked for.

 

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/4031-abbey-microfiche-argument.html

 

Have you received any info so far? If you have then there is no reason why you can't put a claim in now with an estimated schedule of charges. Copy the Prelim letter from the bank templates library, and send it off with a copy of your estimated schedule. This will at least get the ball rolling, if you are comfortable with putting in an estimated claim!

 

Don't forget, stick to your timetable, not theirs! Hope this helps!

Phil:)

[ludlum]

Hi.

 

Did not receive any statements in my first reply from them, they just tried to defer my £10 fee to cover the cost of routine statment requests. Have just typed my response to the microfiche argument which after asking for tips on a location of the template, noticed it two lines above my thread (so off to specsavers next!)

 

Thanks for all those who have chipped in with help to get me going.

 

Lud.

[ludlum]

Hi.

 

Can I claim for charges levied and interest acrewed for using my "authorised" overdratf?

 

Lud.

[ludlum]

Hi.

 

Can I claim for charges levied and interest acrewed for using my "authorised" overdratf?

 

Lud.

[philread1]

Only if you can prove they were caused by the unlawful charges.

 

Phil

[Bookworm]

Threads merged -again-

 

Please stop multiple postings, and keep all your queries and updates on the one thread per claim. If everyone did this, we would have to answer 10 000 posts a day instead of 5 000 and we're already struggling to keep up as it is.

 

You are not "lacking in answers compared to others". IF, after 24 hrs or so, you haven't had an answer to your query and you haven't found the answer yourself by searching around (which would be surprising), then please write "bump" in your own thread, so that it comes up again in the "new posts".

 

Sorry for being abrupt, but we're struggling to answer everyone as it is, and your multiple posting creates a lot more work for the volunteers on here.

[kia]

there all right none of the letters produce any results youll probably end up like the rest of us taking them to court for it sorry couldnt offer any easy answers

[ludlum]

Posted resonse to microfiche letter today by FCRD.

 

I have three accounts with the Abbey and got Pam Speed microfiche letter sent separately for each blimmin account. Is it me or does that seam a touch inefficient...?

 

Lovin it......

Ludlum.

[kia]

cant be good for the enviroment either us supposidly being eco friendly big words eh!!

[kia]

ahy ha the old microfish ploy another fob off by the scabby if itis held on seperare files why when you phone up they can see your file in front of them seperate building my ar*e they must think there dealing with idiots.Im just as impaient as you be you gotta go one step at a time steady as you go!!!