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Do I claim the total charge or difference from £12

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Hi there,


I only stumbled across this forum today. I have an Abbey National account which I have held for about 5 years and have has quite a few charges within the past but unfortunately I do not have a single bank statement. Can I request copies from abbey or should I just send a letter without the amount I think they owe?


I also have the same problem with my barclays credit card and capitalone credit card.


Thanks, really appreciate any advice.

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Hi lisa,


Before you do anything please take time out to read the FAQ's here:



As soon as you've read them you'll be able to answer the question you've just asked.

Then I would advise you take at least a weekout to read everything on this site, and within the forums.

There is a lot to take in and understand. You must be aware that although unlikely, your claim could end up in court....arm yourself with the knowledge you need before taking action.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06



Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06





Smile - £175

Pelim 23/06/06



My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06


Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Lisa, welcome to the family.


If you want to successfully claim your bank charges back, then you MUST go about it the right way.


Step 1.....Spend 2 or 3 days reading the FAQs, the step-by-step guide and also the threads in the Abbey National forum. This will give you an idea about what to expect.


When you have absorbed some of the info that is available then send a Data Protection Act SAR letter. to Abbey National


Click on this link for DPA letter...


Don't forget to enclose the £10 fee otherwise the bank could delay your request. They often return the £10 anyway.

The bank now has 40 days to comply with your request.


Good luck with your claim.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.


Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.


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  • 2 months later...

I now have all details of charges applied to my account by Abbey over the past 6 years which totals £1,358.50 can I calim for all of this all do I just claim for the differnce between £12 and the charge applied?


I have read through quite a few blogs on this site but I cant find anything.


I would really appreciate any help before I write my prelim letter.


many thanks,



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