Reclaiming bank charges..bank want £5astatement

[sandeeeee]

Hello

 

Can anyone help? I wrote a letter to my bank as instructed to claim my bank charges back, they say that they can only give me one year, and if i want anymore I have to pay £5 a statement!!!!! Is this true and if so can I claim it back?

 

regards

sandy

[mechs]

Was the letter you sent the Bankfodder's DPA letter as found here?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=516

 

because if so you do not pay £5 per statement!

[thunderpuss2k]

Hello

 

Can anyone help? I wrote a letter to my bank as instructed to claim my bank charges back, they say that they can only give me one year, and if i want anymore I have to pay £5 a statement!!!!! Is this true and if so can I claim it back?

 

regards

sandy

 

Which bank was it?

[thecornflake]

They have to provide all information they have at a mximum cost of £10 if it is a request under the data protection act. If they refues tell them you will lodge a complaint with the Information Commissioner.

 

You're only interested in the last 6 years (if you've had the account that long) because you can't legally claim past that point. Well, in certain cases you can but that's a very complicated legal argument so I'd stick to the standard limit.

[sandeeeee]

yes I used the standard letter and it was the clydesdale bank in scotland

 

regard

sandy

[thunderpuss2k]

yes I used the standard letter and it was the clydesdale bank in scotland

 

regard

sandy

 

What a silly thing for them to do.. as thecornflake said write back to them and say that as you've paid the statuatory maximum of £10 under the Data Protection Act 1988 they are now obliged to provide *all* information requested within 40 days of the date of your letter, and failure to do so will result in action being taken to remedy that breach. Whether that information means they have to send you statements is their problem, not yours.

 

HSBC said they'd do mine for free, although quite what they did with the DPA money remains a mystery

[thecornflake]

What a silly thing for them to do.. as thecornflake said write back to them and say that as you've paid the statuatory maximum of £10 under the Data Protection Act 1988 they are now obliged to provide *all* information requested within 40 days of the date of your letter, and failure to do so will result in action being taken to remedy that breach. Whether that information means they have to send you statements is their problem, not yours.

 

HSBC said they'd do mine for free, although quite what they did with the DPA money remains a mystery

 

A lot of people forget to mention the DPA and incur ridiculous charges for 6 years worth of statements, even though the banks have had enough of these requestds to know what they mean.

 

However, when you call them and explain it seems they refund the statement charges for you without too much bother.

 

I would call them and explain it is a DPA request. If you haven't already sent a £10 cheque then do so now.

[sandeeeee]

Hello

 

Just got off the phone to clydesdale....the manager spoke to the legal department and they say they are only obliged to go back one year under the act........and I have to pay the £5 a statement......they seem very adamant.

 

regards

sandy

[thunderpuss2k]

Hello

 

Just got off the phone to clydesdale....the manager spoke to the legal department and they say they are only obliged to go back one year under the act........and I have to pay the £5 a statement......they seem very adamant.

 

regards

sandy

 

Oh dear me. OK, letter time it is then! Make sure you send it at least recorded delivery.. you could also put in there details of your phone conversation, naming and shaming, and suggesting that maybe they could train their staff better too as he obviously does not understand the DPA and has now put the bank in a rather messy legal situation now.

[sandeeeee]

Hello all

 

Just to let you know i got a letter from the clydesdale...guess they are responding to my request and there will be no payment necessary other that the obligatory £10..

 

thanks for all the info

[thunderpuss2k]

Hello all

 

Just to let you know i got a letter from the clydesdale...guess they are responding to my request and there will be no payment necessary other that the obligatory £10..

 

thanks for all the info

 

Good to hear they've finally seen sense. When did you first make your request for the information? I'd start counting the 40 days from then, rather than this latest letter.

[monkeybone]

Hello

 

Just got off the phone to clydesdale....the manager spoke to the legal department and they say they are only obliged to go back one year under the act........and I have to pay the £5 a statement......they seem very adamant.

 

regards

sandy

 

I know you are probably now sorted but thought it worth mentioning that Clydesdale's legal department aren't worth their salaries if they don't know the DPA. It is quite clear that you have a right to request a copy of ALL personal information held on file relating to you. Bank statements going back to when you opened your account (not just 12 months) are personal to you, so you have a legal right to ask for it, and they have a legal obligation to provide it. They can only not provide it if they no longer have that info on file, which would be ridiculous for a bank.

[sandeeeee]

Hy All,

 

Thanks for the replys I took the letter to the bank wednesday morning in the afternoon got the phone call to say only give me a years free statements that afternoon got a letter off this forum stating they HAD BY LAW to give me the info that i requested...saturday got the letter from the clydesdale saying that yep by law they had to give me the statements. I wonder how many other people are put off by the thought of shelling out £300 for statements that are rightfully yours...

 

regard

sandy