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Should I still send my S.A.R letter?


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I'm all set to write up and send off my S.A.R letter to my previous bank (Account closed 2 years ago)!

My partner tells me we owed the bank a hefty sum of money due to their charges alone and that they passed on our debt to a debt recovery company and they have since added an enormous amount of fees to it, the total debt now is £1800 approx!

 

Am I still entitled to take the bank to the small claims court even though they passed on our debt to a recovery company?

 

Any help will be gratefully received!

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Yes you most certainly are. What has happened since doesnt change the fact that the bank debited unlawful charges. You may even find you can persue the recovery company. Im sure people have done it but it's not something I have any experience of personally. Plenty here that can help though I'm sure.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

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Hi,

 

I sent one to HSBC's debt recovery company, MCS. They phoned me and told me it was nothing to do with them and would pass on my letter to HSBC - which they did. Hope this helps a bit,

 

Lee

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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Hi Kev,

 

You can send one to the DRA anyway - especially if you think they have charged you unfairly. You've nothing to lose sending one to the DCA and the bank too. Which bank are you claiming from?

 

Cheers,

Lee

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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Hi Lee, it's the A&L bank, I don't know the name of the debt company but I have their official letters in a drawer somewhere!

I'm in Scotland so I guess I'll need to make two separate claims, one after the first claim has concluded, I have a hunch that the penalty charges will exceed the £750 limit!

 

Kev.

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