Liasmum v HBos

[Liasmum]

I sent away my first letter today and silly me made my cheque payable to Bank Of Scotland. Will this matter cos it was a BOS cheque not a HalifaxBOS. I sent it to trinity road.

[stevokenevo]

I dont think it will matter, if it does they will simply return it, if they cash it then thats that, the forty days are from the day you send the letter and is not 40 working days, so i reckon they have till the 24th of april to supply your info, that gives you plenty of time to read up on the faq'S and the step by step instructions, try and read up as many thread's in the halifax and BOS thread also, they more you know the easier it is.

 

Good Luck.

[Liasmum]

Thanks . i ve been reading up for a few weeks my head is buzzing lol lets hope its all worth it in the end.

[Liasmum]

How long roughly do they take top send the list of charges?

[allybee13]

Try phoning their customer services department and you might get it quicker (or go into your branch). I called them to ask if they'd received my DSAR and the woman there said she'd request the details for me and I'd have them in 1-2 weeks instead of the 40 days. I can't find my file note at the moment so don't know exactly when that was.

 

I sent my DSAR on 9th Feb and still haven't heard from HBOS, but they have cashed the cheque I sent.

[Liasmum]

Thanks for the reply. I live in the sticks and my local branch is only open on a thurs and friday.What customer services would i phone and what would i say?

[allybee13]

I phoned the number here:

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html?garpg=16

 

You just phone and ask them for a list of all the charges they have made against your account. They'll charge you £5 for it and you should get it quicker than the DSAR info.

 

I phoned them again today and got told that the 40 days starts from when they cash your cheque and not from when you send the letter. Absolute hogwash!

[Liasmum]

Thanks allybee i sent a cheque requseting them so if they cash that and charge me a fiver thats 15 quid lol . suppose it will cheap in the long run.

[allybee13]

I phoned them and told them that I'd already sent the cheque (which I had) and they raised another request for me. If you're happy to wait the 40 days then I'd just wait it out.

[Liasmum]

Im not i want them yesterday lol . I just want to know how much im due. I think it will only be ablout 500 but its better in my pocket than theres. I will give them a call tomorrow and see what they say.

[Liasmum]

Was it customer services on 0845 725 3519 you phoned? sorry to be a pain .

[stevokenevo]

You just phone and ask them for a list of all the charges they have made against your account. They'll charge you £5 for it and you should get it quicker than the DSAR info.

 

I would advise against this, my brother thought he would be clever and did the same, 3 months later he still had no statements, and no comeback.

If you send the S.A.R they have a legal obligation to supply the requested info in the specified timescale. I f they dont you report them to the information commisioner.

I would suggest patience, a phone call to remind them of your request after 30 days (if you still have not received them), and a complaint to the commisioner if you dont receive the complete package of info in time.

This is the tried and tested method, and the only way to go (unless you can get the statements for free direct from your internet banking)

[Liasmum]

I decided this morning just to wait on them coming anyway knowing my luck id get charged twice.

[stevokenevo]

good decision ;-) there is no harm in calling to remind them, or check the progress of your request. (All i was doing was pointing out that it is important to use the correct procedure i.e issuing the S.A.R)

[Liasmum]

Well my letter was signed for a week ago but the cheque is yet to be cashed grrrr typical eh.

[Liasmum]

Well my cheque still has nt been cashed looks like they are wmaking me wait the 40 days:mad:

[change-it]

The waiting seems like forever doesnt it..Hopefully theyll be there soon.

[Liasmum]

Yes it does mine will be sitting at the bottom of the pile lol.

[stevokenevo]

Give the customer service number a phone, and remind them when the 40 days is up, pointing out you will be making a complaint to the information commisioner if they fail to carry out there duties. If they fail to supply the info in 40 days, there is an LBA letter warning them you will take them to court to get the info, and the banks data protection officer can be jailed for not providing the information (which is true ;-) )

Don't stress ;-) and good luck

[Liasmum]

Thanks stevo. My 40 days are up on april 24 th but if the cheque aint cashed by a week today im going to give them a call.

[Liasmum]

Ugh im reading on the halifax thread people are only waiting a week to a fortnight for their statements. I am going to ring them tomorrow and request them over the phone. If i cancel the first cheque i sent what will happen?

[stevokenevo]

If you cancel the cheque, and they are processing your request, they will cancel your request and you will be back to the start.

It has been known for them not to cash the cheque anyway.

Incidently, did you send your S.A.R by recorded delivery?

[Liasmum]

Yes it sent by recorded delivery and signed for nearly 3 weeks ago.

[Liasmum]

My cheque has been cashed today so heres hoping i get my statements through soon. How long do HBOS normally take once cheques been cashed?

[stevokenevo]

well at least you know they have received it ;-)