Jule$ versus Northern Bank

[Jule$]

I sent my DPA to Northern Head Office in Belfast on 16th May, it was delivered 18th May.

They cashed my cheque on Monday (22nd May) and I received a letter this morning (24th May) acknowledging receipt and that they will supply details within the 40 days.

I am quite surprised by how quickly they replied so will wait and see if the rest of the info comes as quickly.

 

Jule$

[Guest Lueeze]

Wel done, be prepared to wait the whole 40 days I did!

 

Lou x

 

Wohoo 2000 posts!

[big aid]

do not know of anyone else taking on the northern, there are a few of us with first trust and 1 that i know of taking on BOI ,

good luck

[Jule$]

Hi Lou,

I expect to have to wait the 40 days, I expect nothing less from the Northern that would be their style, when you want something from them, you wait. If on the other hand they want something from you, they expect it yesterday!!!!

 

Hi Big Aid,

There is one other that I know of taking on the Northern, I just wish more people would do it. The banks in Northern Ireland have been ripping us off for far too long. I can't believe that we were so stupid as to pay £9.50 a month for a £100 over draft!!!!!! and whatever else they have charged us for.... Oh well, you live and learn!

 

We no longer use the account even though they now have given us free banking, so kind of them!!!!!

 

Good Luck to everyone I will keep you posted as to progress.

 

Jules

[lickthewallfatboy]

I sent my DPA to the Northern on 27 April and they haven't even acknowledged it,even though it was sent recorded.So they had to get a timely kick up the arse in the form of a reminder sent yesterday to the effect that the clock is ticking....I am estimating a pretty nice return eventually from them.

 

And I concur entirely with the poster who said when they wanted something they wanted it yesterday!!

 

MY TURN NOW, thanks very much!!!

[mahala]

 

And I concur entirely with the poster who said when they wanted something they wanted it yesterday!!

 

 

Don't they all? And when we want something? Barclays have failed to supply the required information three times so far for me. I'm thinking I might have to start charging them by the hour for my time at this rate.

[mannipatch]

Hi I am also with the northern bank, I have today recieved my information incomplete under DPA. I requested for the six years but I am missing 4. Like jules I had receipt of my original letter quickly but my info was 3 days outside the 40 day period. The letter they sent me is the same for both accounts that I am claiming unlawfull bank charges for. I will type a little bit as I am sure you will get the same.

Sections 7 and 8 data protection act 1998

In accordance with section 7 of the data protection act 1998 you have a right to your personal data on payment of the sum of £10.00, however section 8 of that act provides that the bank is only required to comply with such a request where it is possible to do so without disproportionate effort. Your request for the bank to disclose events and notes showing where manual intervention was required in relation to your banking business would not be readily available form our records and would clearly require a disproportionate effort on the part of the bank, however i can confirm that it would be normal bank practise for there to be manual intervention on each occurrence of unauthorised borrowing by a customer.

The information which you request in relation to transactions and charges would already be available to you in the statements of your account previously furnished to you. Under your contract with the bank your are entitled to copies of these statements but any of these dating prior to april 2004 are not readily available to us and require very significant effort on the banks part to locate and produce,therefore there would be a cost of £6.00 per page for these in accordance with the banks fees and tariffs. i therefore enclose copy statements for the period 31 march 2004 to date as per your request.

Now I have followed the guidelines here and typed of the 2nd dpa letter which gives them a further 7 days but my major problem is the info that they have sent me I cannot make head nor tail of it. I would be pleased to hear anyones comments and advise on this. thankyou

[lickthewallfatboy]

complete and utter bunkum!!

 

They are obliged by law to keep records dating back 7 years so that they can be subject to auditing.

 

As far as manual intervention is concerned,if they claim to use manual intervention,then they must be in a postion to substantiate this by proof of this intervention,whether or not it's too much trouble for them,the poor fellas!!All that staff going through everyone's accounts individually to apply charges!!Is that the reason they still haven't supplied me with my information? Everyone tied up manually applying charges-what a joke!!

 

I believe your next course of action is laid down in the FAQ's-I think Abbey were using this tactic for a while....

[mannipatch]

Thanks a lot for your comments I have today printed out the letter from the faqs page and have sent it off, but I have to say I am a little nervous about the situation if they do not get back to me

[Seminole]

Have you read the faq about disproportionate effort in:

 

Data Protection Act 1998 FAQ. Have you been defaulted?

[Jule$]

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