Proof read my letter please.

[thenetfather]

Hello, being new here and not wanting to just rush into sending my letter to the bank, i was hoping someone could have a read through it. I used the template but have added a couple of things - the bits in black bold have been added by me :-

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last 6 months. I am sure if I investigated further than that there would be more charges.

I now understand xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

I calculate that you have taken (ESTIMATED over £500 at the moment) which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

 

 

I believe that if all these unacceptable charges had not been added to my account then I would have a greater chance of paying off my overdraft. On numerous occasions I have had to increase my overdraft in order to try and combat the fees. I am also sure that if I investigated my account over a longer period of time that my overdraft would be non existent.

 

My targets xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

 

 

Would that be ok to add?

 

 

Thanks for you help.

 

 

[please do not post full template letters on the site-these are available form the library for registered users only]

[ED1237]

No reason why not, but why the estimate. Have you not had your statements through? If not I would insert "I reserve the right to amend this amount once you have fulfilled your legal obligation under the Data Protection Act and provided me with the information requested".

[Angi]

Hiya & Welcome

 

Can I ask why you have added the extra bits please? Im not meaning to sound harsh ok.

 

the templates that are in the Library work without adding any thing extra, so bit of advice, just leave your bits out, stick to the ones already done for you, the people who run this site, did them to help us, why spoil a very good thing

Wait till you know your amounts as you could have more, or less than you think. but saying that you could start & then add the rest when you have them, but I would leave out the bits you have put it yourself.

 

You will be ok, just use the site & stick to your time-table.

[thenetfather]

Ok - thanks very much...

 

So the first template i need to send is the one requesting statements?

 

Cheers

[muggins73]

If you do not know the amount the bank has taken from you, (as you have entered an estimate in your PRELIM LETTER) then you must send the Data Protection Act request letter in the templates libary.

 

Have you taken the time out to read the FAQ's thouroughly? In here you'll find a step-by-step guide to the process bywhich you must adhere to in order to get your money back.

[Angi]

You need to go into the Library for this one

 

1. Data Protection Act, Subject Access Request letter - List of charges

 

Like muggins73 says

make sure you do your reading, FAQ's. Step by Step, other peoples threads, this will help you understand what you are going to do.

[thenetfather]

Could i not request the statements from my online bank account, or do i have to send the letter?

 

Cheers

[Glenn UK]

Just a thought, the SAR asks for transaction details for your entire banking history.

 

I would suggest you do the same, as Karne says they probably wont send everything you want, but if you use the standard templates and follow the step by step guide, should you want all your data then you only have to go through the procedure once.

 

bearing in mind the difficulties Abbey are likely to throw up its better doing it once believe me.

 

Regarding why the 6 years is often quoted, this is to do with the Limitations Act, however, there is an argument against this restriction and should you choose to challenge it, then you will have all your data.

 

JMHO

 

Glenn

[thenetfather]

Thanks for the replies.

 

What is this in aid of?

 

Send this request including the £10 fee to the address which your bank has registered with the Data Protection Commissioner as the address of the Data Controller:-

http://www.esd.informationcommission...esd/search.asp

 

And do i need to use it?

 

Cheers

[thenetfather]

Thanks for the help folks...

 

Sending the S.A.R - (Subject Access Request) - roundabout now (23/10/06)

 

Here we go.

[thenetfather]

I presume i should send it recorded delivery?

 

Cheers

 

[Michael Browne]

Not strictly necessary, but most do for peace of mind. or you can get a certificate of posting free at the PO.

[theyvbinrobinme]

hi and good luck with your claim, but dont forget to include the 10 pounds for the subject access request, this is important, as the clock starts ticking only when you have sent this.

[thenetfather]

The cheque is in the envelope, not forgot that.

 

Sending in the morning - recorded delivery.

 

Thanks