Returned Direct Debit charges - need help!

[hegewes]

Hello Guys,

 

I am really glad to see such a this kind of forum!

Can anyone explain to me how I go about claiming back some charges I had been taken from my account by RETURNED DIRECT DEBIT please?

I had four times charges with £20 each time from the last 3 months.They sent me letter to notice me that I have overdraft actions and it will charge.But I saw the overdraft was failed eventurely and it became to a returned direct debit and I did not know what it is.Till now it charged fees for £80 (four times) then I finally found out it has a charge.I feel mad that it was not a successful overdraft and they did not give any help but made these returned direct debit charges.

I have my bank statments and overdraft notice letters from bank.But my english is not good,I do not know how to write the letter to claim my money back.Please give some help as you can.I am so mad at this and I give greatful thanks to you!

 

Many thanks!

Gerald

[The Mould]

Hello Guys,

 

I am really glad to see such a this kind of forum!

Can anyone explain to me how I go about claiming back some charges I had been taken from my account by RETURNED DIRECT DEBIT please?

I had four times charges with £20 each time from the last 3 months.They sent me letter to notice me that I have overdraft actions and it will charge.But I saw the overdraft was failed eventurely and it became to a returned direct debit and I did not know what it is.Till now it charged fees for £80 (four times) then I finally found out it has a charge.I feel mad that it was not a successful overdraft and they did not give any help but made these returned direct debit charges.

I have my bank statments and overdraft notice letters from bank.But my english is not good,I do not know how to write the letter to claim my money back.Please give some help as you can.I am so mad at this and I give greatful thanks to you!

 

Many thanks!

Gerald

 

Hello there Gerald Hegewes,

 

I will draft up a letter for you to send to those robots later on tonight.

 

Kind Regards

 

The Mould

[MARTIN3030]

I trust that things will be progressed here in the open-not by Pm.

[The Mould]

I trust that things will be progressed here in the open-not by Pm.

 

 

I trust that one day you will post something positive about me on cag, however, that is not the No 1 item on my wish list.

 

Kind Regards

 

The Mould

[hegewes]

hi Mould,

 

Sweet!Thanks for the help.I am appreciate wether it will success or not. =D

Thanks for the attention.

[The Mould]

hi Mould,

 

Sweet!Thanks for the help.I am appreciate wether it will success or not. =D

Thanks for the attention.

 

Hello hegewes,

 

No promblem.

 

Your English is fine, may I ask you, what is your Nationality?

 

I will post a draft letter for you later on.

 

Kind Regards

 

The Mould

[The Mould]

Hello Guys,

 

I am really glad to see such a this kind of forum!

Can anyone explain to me how I go about claiming back some charges I had been taken from my account by RETURNED DIRECT DEBIT please?

I had four times charges with £20 each time from the last 3 months.They sent me letter to notice me that I have overdraft actions and it will charge.But I saw the overdraft was failed eventurely and it became to a returned direct debit and I did not know what it is.Till now it charged fees for £80 (four times) then I finally found out it has a charge.I feel mad that it was not a successful overdraft and they did not give any help but made these returned direct debit charges.

I have my bank statments and overdraft notice letters from bank.But my english is not good,I do not know how to write the letter to claim my money back.Please give some help as you can.I am so mad at this and I give greatful thanks to you!

 

Many thanks!

Gerald

 

OK hegewes,

 

Firstly, you will need to send a SUBJECT ACCESS REQUEST letter to them, you do this because you want them to provide you with detailed information about these charges to your account and possibly other charges that they may have applied also.

 

Secondly, let me just inform you that the OFFICE OF FAIR TRADING considers a charge of £12 to be reasonable, but charges of £20 or £30 or even £40 are considered to be excessive.

 

 

With this letter you must include a fee of £10, this is the maximum that the bank (data controller) can charge you for your Subject Access Request, you probably know this bit, in English Law there is a statute (legislation) called the Data Protection Act, this Act is regulated by the Information Commissioners Office, so by law, when you (data subject) make this request in writing with the £10 fee enclosed to the data controller who holds and processes your personal information, the data controller must comply with your request in 40 days.

 

Send this letter to them, first though, phone their Head Office and ask for the adddress details of their 'Data Subject Access Request Department' or the 'Compliance Department' details.

 

 

THEIR ADDRESS (your address opposite, top right)

 

 

 

DATE

 

 

REFERENCE: DATA PROTECTION ACT

 

SUB REF: Subject Access Request pursuant to PART 11 sec 7 (2) (a) and (b) of the Data Protection Act.

 

Account Ref: xxxxxxx (put in your account No.)

 

Sort Code: xxxxxxx (put in your sort code No.)

 

Note: For the purpose of this communication and all or any subsequent written correspondance that may follow relating directly to the contents herein. 'I', 'Me' and 'My' shall mean: Mr (put your name here). 'You', 'Your organization' 'Group' or similar, 'Data Controller' shall mean: Lloyds TSB and all associated companies.

 

 

Dear Robot, (obviously put Sir/Madam)

 

In accordance with my full legal rights of access to any of my personal information/data under the above-mentioned Statute that is held on your (Lloyds TSB's) internal system of records and relates directly to me, I, Mr (put in your name) respectfully request that you (Lloyds TSB) provide me with a hard copy of all of my personal data that you do so hold in any relevant filing system (including manual filing systems) within your organization (Group) and including all archived records that date back over the previous six (6) years to the present day.

 

 

Futhermore, I respectfully require you to provide me with any of my personal information that you hold in any electronic form of filing system ensuring that the hard copies that you send to me are legible and that all and any codes and abreviations are also provided in order to assist me in being able to easily read the documents containing my personal data.

 

 

Further to the above, I specifically request that you provide me with every single bank statement dating back over the previous six (6) years to the present day.

 

I also request that you provide me with a copy of my account agreement including all of the terms and conditions that applied at the time of my opening the account, a copy of any changes to the agreement that you may of introduced since the time of opening the account and a copy of any terms and conditions that may apply to present day banking and transactions to the account.

 

Finally, I request that you provide me with a comprehensive list of all charges that you have applied to my account dating back over the previous six (6) years, to include, showing what the offence was, the date of any such offence and the amount applied as a charge to my account.

 

In relation to the above paragraph, I respectfully request that you justify any sum amount that has been applied to the account to show that the sum amount (charge) does indeed reflect actual costs incurred and not exceed any damages the bank may have suffered due to any breach of contract to the account.

 

I trust that you will make as serious effort to understand your legal obligations under the Data Protection Act and provide me with all that I have a legal right of entitlement to under the said Statute.

 

According to the Information Commisioners Office the maximum fee that you may charge for my Subject Access Request is £10.00 (ten pounds) and so I therefor have enclosed the required fee.

 

I understand that you have forty (40) days to comply with my rights of access to my personal data of any description and as prescribed in this communication under the Data Protection Act.

 

I also request that you provide me with the contact details of the case officer or compliance team that will be managing my Subject Access Request.

 

I would like to express my gratitude to you in advance for your consideration and attention to this communication.

 

I Look forward to your full response within the accepted time scale.

 

 

Yours Faithfully

 

 

 

Mr hegewes.

 

 

OK hegewes, send that off by registered post, make sure you include the £10 fee, cheque or postal order will do, then wait the forty (40) days for their response.

 

Any other questions, then don't hesitate to ask.

 

 

Kind Regards

 

 

The Mould

Edited June 7, 2010 by The Mould
Left a word out

[wish me well]

Good letter Mouldy,

 

Would you mind if I copied that for any future SAR's I need to make?

 

KWS, WMW

[The Mould]

Good letter Mouldy,

 

Would you mind if I copied that for any future SAR's I need to make?

 

KWS, WMW

 

 

Hello there cowboy, yeehar

 

Go ahead my super friend, copy that big bear, 10-4.

 

Come back, Roger.

 

I will meet you on another moor, I am going to legal moors now.

 

Kind Regards to you Watson.

 

Moudy

 

 

PS, Guess you know this bit by now, tea and smoke of the old pipe dear boy.

[wish me well]

yep, me too

 

back in 5

 

WMW

[hegewes]

OK hegewes,

 

Firstly, you will need to send a SUBJECT ACCESS REQUEST letter to them, you do this because you want them to provide you with detailed information about these charges to your account and possibly other charges that they may have applied also.

 

Secondly, let me just inform you that the OFFICE OF FAIR TRADING considers a charge of £12 to be reasonable, but charges of £20 or £30 or even £40 are considered to be excessive.

 

 

With this letter you must include a fee of £10, this is the maximum that the bank (data controller) can charge you for your Subject Access Request, you probably know this bit, in English Law there is a statute (legislation) called the Data Protection Act, this Act is regulated by the Information Commissioners Office, so by law, when you (data subject) make this request in writing with the £10 fee enclosed to the data controller who holds and processes your personal information, the data controller must comply with your request in 40 days.

 

Send this letter to them, first though, phone their Head Office and ask for the adddress details of their 'Data Subject Access Request Department' or the 'Compliance Department' details.

 

 

THEIR ADDRESS (your address opposite, top right)

 

 

 

DATE

 

 

REFERENCE: DATA PROTECTION ACT

 

SUB REF: Subject Access Request pursuant to PART 11 sec 7 (2) (a) and (b) of the Data Protection Act.

 

Account Ref: xxxxxxx (put in your account No.)

 

Sort Code: xxxxxxx (put in your sort code No.)

 

Note: For the purpose of this communication and all or any subsequent written correspondance that may follow relating directly to the contents herein. 'I', 'Me' and 'My' shall mean: Mr (put your name here). 'You', 'Your organization' 'Group' or similar, 'Data Controller' shall mean: Lloyds TSB and all associated companies.

 

 

Dear Robot, (obviously put Sir/Madam)

 

In accordance with my full legal rights of access to any of my personal information/data under the above-mentioned Statute that is held on your (Lloyds TSB's) internal system of records and relates directly to me, I, Mr (put in your name) respectfully request that you (Lloyds TSB) provide me with a hard copy of all of my personal data that you do so hold in any relevant filing system (including manual filing systems) within your organization (Group) and including all archived records that date back over the previous six (6) years to the present day.

 

 

Futhermore, I respectfully require you to provide me with any of my personal information that you hold in any electronic form of filing system ensuring that the hard copies that you send to me are legible and that all and any codes and abreviations are also provided in order to assist me in being able to easily read the documents containing my personal data.

 

 

Further to the above, I specifically request that you provide me with every single bank statement dating back over the previous six (6) years to the present day.

 

I also request that you provide me with a copy of my account agreement including all of the terms and conditions that applied at the time of my opening the account, a copy of any changes to the agreement that you may of introduced since the time of opening the account and a copy of any terms and conditions that may apply to present day banking and transactions to the account.

 

Finally, I request that you provide me with a comprehensive list of all charges that you have applied to my account dating back over the previous six (6) years, to include, showing what the offence was, the date of any such offence and the amount applied as a charge to my account.

 

In relation to the above paragraph, I respectfully request that you justify any sum amount that has been applied to the account to show that the sum amount (charge) does indeed reflect actual costs incurred and not exceed any damages the bank may have suffered due to any breach of contract to the account.

 

I trust that you will make as serious effort to understand your legal obligations under the Data Protection Act and provide me with all that I have a legal right of entitlement to under the said Statute.

 

According to the Information Commisioners Office the maximum fee that you may charge for my Subject Access Request is £10.00 (ten pounds) and so I therefor have enclosed the required fee.

 

I understand that you have forty (40) days to comply with my rights of access to my personal data of any description and as prescribed in this communication under the Data Protection Act.

 

I also request that you provide me with the contact details of the case officer or compliance team that will be managing my Subject Access Request.

 

I would like to express my gratitude to you in advance for your consideration and attention to this communication.

 

I Look forward to your full response within the accepted time scale.

 

 

Yours Faithfully

 

 

 

Mr hegewes.

 

 

OK hegewes, send that off by registered post, make sure you include the £10 fee, cheque or postal order will do, then wait the forty (40) days for their response.

 

Any other questions, then don't hesitate to ask.

 

 

Kind Regards

 

 

The Mould

 

 

Hello Mould,

 

This is awesome,thanks for the letter and I shall follow your steps and tell you the result =D

working on it now.

have a nice day/night =)

 

kind regards

 

Gerald

[The Mould]

Hello there Gerald,

 

Have a look at the 'Sticky' for the address to send your letter to for Subject Access Request, it is on this forum, page 1 at the top.

 

Kind Regards

 

The Mould

[hegewes]

Hello there Gerald,

 

Have a look at the 'Sticky' for the address to send your letter to for Subject Access Request, it is on this forum, page 1 at the top.

 

Kind Regards

 

The Mould

Hi Mould,

 

I am confused what this means in your letter please:

SUB REF: Subject Access Request pursuant to PART 11 sec 7 (2) (a) and (b) of the Data Protection Act.

should I copy it or?

thank you

 

kind regards,

Gerald

[The Mould]

Hi Mould,

 

I am confused what this means in your letter please:

SUB REF: Subject Access Request pursuant to PART 11 sec 7 (2) (a) and (b) of the Data Protection Act.

should I copy it or?

thank you

 

kind regards,

Gerald

 

 

Hello Gerald,

 

That is the section of the Data Protection Act that you are excercising your rights under.

 

Kind Regards

 

The Mould

[hegewes]

Hello Mould,

 

This is Gerald,long time no see.

I had just received letter from TSB DPA agency after following your advices.And they only sent me my entire bank statments with nothing else and also took my £10 check.

Please tell me what should I do next?

Thanks.

 

Kind Regards,

Gerald

[hegewes]

Hello Gerald,

 

That is the section of the Data Protection Act that you are excercising your rights under.

 

Kind Regards

 

The Mould

 

Hello Mould,

 

This is Gerald,long time no see.

I had just received letter from TSB Data Protection Act agency after following your advices.And they only sent me my entire bank statments with nothing else and also took my £10 check.

Please tell me what should I do next?

Thanks.

 

Kind Regards,

Gerald

[Craigbadger]

Has the 40 days ran up yet?

If not give them the full 40 days as in my experience they sent the info in 2 or 3 different parcels.

[hegewes]

Has the 40 days ran up yet?

If not give them the full 40 days as in my experience they sent the info in 2 or 3 different parcels.

 

Hi Craigbadger,

 

Thanks for your answer.

I think it is 22 days past.

I have received 1 letter from them till now which it is about my entire bank statment in last 5 years.And it says if there are any question,please go my branch bank and talk with them.

I'll keep waiting till the days up.

Thanks.

 

Kind Regards

 

Gerald

[hegewes]

Hello Gerald,

 

That is the section of the Data Protection Act that you are excercising your rights under.

 

Kind Regards

 

The Mould

 

Dear Mould,

 

Hi,this is Gerald.U helped on Return Direct Debit Charge problem and I have done everything u told me.Thanks for your helps.And now,40 days past after i sent them letter.And I only received a paper of my entire bank statment history.They did not give my charged money back or anything else.what should I do please.

Thank you.

 

Kind Regards.

 

Gerald

[hegewes]

Has the 40 days ran up yet?

If not give them the full 40 days as in my experience they sent the info in 2 or 3 different parcels.

Dear Craigbadger,

 

Hi,this is Gerald.U helped on Return Direct Debit Charge problem and I have done everything u told me.Thanks for your helps.And now,40 days past after i sent them letter.And I only received a paper of my entire bank statment history.They did not give my charged money back or anything else.what should I do please.

Thank you.

 

Kind Regards.

 

Gerald

[jdes26]

close the account and tell them where to go!!!!!!!!!!!!!!!!!