Getting bank charge amount from Clydesdale

[Paul -C-]

I sent this letter to my Clydesdale bank manager:

 

Dear *******,

As an official request under the Data Protection Act, could you please send me details of all bank charges made against my account over the past 6 years?

 

Account: *******

Sincerely,

They replied saying that 6 years of statements would cost me 360.

 

I've replied with this more formal letter:

Dear *******,

MY ACCOUNT: ******

I sent a letter to you on the 26th February, requesting details of bank charges made against my account in the past 6 years, under the Data Protection Act 1998. I received a reply asking for 360 for this information.

 

The Information Commissioner states that any information listed in a bank statement is personal information protected by the Data Protection Act. The Information Commissioner also states that a maximum charge of £10 can be made for a request of these details. I am now within my rights to report you to the Information Commissioner for a breach of the Data Protection Act.

 

I am enclosing a cheque for £10 and also making one final request for a complete list of transactions and charges relating to my bank account in the past 6 years. Alternatively a complete set of bank statements for that period will be acceptable.

Sincerely,

 

Does this letter sound ok?

 

Also, has anyone had any success with the Clydesdale Bank yet?

[BankFodder]

Very good.

Quite frankly I think that we should start reminding them that they have a fiduciary duty towards you and that a demand for £360 while failing to reveal your rights under the DPA amounts to a breach of this fiduciary duty.

[Paul -C-]

Ok I have an update...

 

I received this letter, in reply to my last letter sent (listed above)

 

Dear xxxxxx,

 

Thank you for you recent letter which has been forwarded to this area by xxxx as we are responsible for Data Subject Access requests.

 

Under the Data Protection Act you have a right to see what our organisation holds about you, this is known as Data Subject Access Reques, which entitles you to be told if any personal data are held about you. This information should include what sort of data we hold, the purposes for which the data are processed and the type.

 

Application for copy statements does not fall within this policy, and must be ordered through your branch seperately. I have therefore returned your cheque for £10.

 

Sincerely

 

xxxxxx

 

 

The letter also came with a phone number, so I called it up. When I spoke to the same girl who sent the letter I explained that I thought she misunderstood me. I wanted a list of the charges, but would accept a copy of the statements as substitute. She then told me that the bank doesn't hold any info about the charges. She could maybe bring up the last few on her screen, but that's all. She said the only way to get that info would be requesting statements, which aren't covered under the Data Protection Act.

 

Is this true? If I want to get the bank charges info then I need to pay £360 for the statements, because the bank doesn't hold that information seperately?

[richardc]

Yes this is true. Use the DPA letter in the Library to request of list of charges and details of any manual intervention in the account

[Paul -C-]

This was in reply to my DPA letter from the library....

[richardc]

Write to them and tell them that you did not ask for copy statements.

 

Tell them that unless you receive the data requested in your last letter you will be making a formal complaint to the IC

[Paul -C-]

Dave, she told me the information is only held in statements.

 

She also said I can't request statements through the DPA, so I'd have to pay 12 x 6 x £ 5 = £360 for a copy of them.

 

How shall I proceed with this?

[Paul -C-]

Write to them and tell them that you did not ask for copy statements.

I already told her that over the phone though.

[richardc]

Put in a complaint to the IC

[Paul -C-]

I decided to give her one last try on the phone.

 

She basically said the data held in statements is only held in the statements, not in any sort of database.

 

She said the only way to access the bank charges info would be to request statements.

 

She then told me to contact the Information Commissioner if I was unhappy with that. So I'll be doing that later.

 

Thanks for the help guys!

[BankFodder]

Little bank - little minds

[diddled]

Telephone Nigel Green Direct

Telephone number used to be 0141 952 2732, dont know if this number is still current

He is/was NAGE (National Australia Group Europe) senior compliance manager

[JMio]

Has anyone had any joy with contacting this Nigel Green guy?

[Paul -C-]

This topic was closed on 03/06/19.

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