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help what should i do


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i sent the prim letter out on the 14th of nov telling them that i what my money back, but because my account was over its limit i didnt ask for the statment (just asked for my money back) 10 days later recd letter offering £136 it said its £8 IN EVERY CHARGE. so i added it £12 to 17 charges and it came to £340. (v shocked) sent letter sayin i would only accept as part payment and sent lba out. now iv got a letter for them say they can only give me £136 back it is far!! (what ever) should i just take the money? as i dont have the statment?

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Guest Mumofthreeboys

I don't understand how you can ask for your money back when you don't know how much you're owed!


The FAQ's and the Step by Step instructions are there for a reason.

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No offence, but do you think a county court judge (if it got that far) look on a case favourably if the claimant hadn't done their research before hand? You should really have completed the SAR and gone through the steps as advised above, otherwise it might look like you don't know what your doing.

HSBC - S.A.R - (Subject Access Request) 30/10/06


07/11/06 - Letter refunding cheque and informing statements will be along shortly.

08/11/06 - Statements from Jan-2001 to Jan-2004 rec'd. Requested more but am waiting.

09/11/06 - Sending of prelim request for refund! £913.50

27/11/06 - Letter from Royal Mail, original prelim lost in post!!

06/12/06 - Another prelim sent :(

19/12/06 - Reply from Mr Langdale saying complaint received and that I'll have a proper response by 5th January 07....


Capital One - S.A.R - (Subject Access Request) 31/10/06


Sent off prelim for £392.00 - All adds up I suppose! 06-12-06

Partial Offer received 19/12/06 - £152, offer accepted as part settlement only......


GE Capital Bank - S.A.R - (Subject Access Request) 31/10/06


Store card account. Charges approx £200, prelim being sent off in the new year!

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