yorkiebarkid V alliance & leicester

[charlie41dimmock]

Hi , I sent off S.A.R - (Subject Access Request) and CCA on 22 may for my hubby, received a letter back dated 24 may, but not received until 26 may, saying

 

' Thank you for contacting us regarding fees which you feel were unfairly debited to your account.

Whilst I understand your concerns, please be assured our fees are reasonable and competitive with those made by other financial organisations.

The OFT has commented that they consider the level of late payment fees to be unfair, however, they are actually referring to late payment fees for credit card payments, which are quite distinct from a bank's fees on current accounts.

Discussions are ongoing between the banks and OFT regarding current accounts and once an outcome is known, Alliance & Leicester will review its position as appropriate.

As well as making our customers aware of our fees when opening accounts, we also continue to do so through our website, our baranches, by telephone and on the back of statements. In view of this, I do not feel that you have been unfairly charged and regret that I cannot agree to refund your fees.

I enclose a copy of our complaints leaflet which explains the steps we take to deal with complaint and what to do if you are unhappy with any respect of our response. If you have any further enquiries regarding your account, our customer service telephone number is show above.'

 

No copies of statements or complaint leaflet.

 

This has been going on for 3 years them trying to get hubby to pay more fees and dept collector letters etc. Saw this site and decided on above action as previously wrote asking for statements in an ordinary letter, no response, just 'yes you owe us over 600 quid.pay off your overdraft or else, blah blah'

 

Please advise next action

thanks karen

[charlie41dimmock]

bump.

[charlie41dimmock]

I,ve just thought if I send a LBA(letter before action), I have no idea of charges etc acrued on account as they have not responded with any information, please advise karen

[charlie41dimmock]

Help please see my last post-need to send LBA asap, thanks karen

[Russjo]

It took me more than 40 days to get my statements. You can't really push ahead without the details of the charges. Have a look at this thread, if you send the letter and don't get your details within 7 days you can apply to the court to enforce the request

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Hope this helps

[charlie41dimmock]

Can I send this letter NOW or have to wait 40 days?

Also CCA up on 3 june 07 (12 days from sending it) thanks karen

 

Data Protection Act - Non-Compliance - Template Letters

This is the suggested template letter where a Data Protection Act request has gone past the deadline without any information being sent:

 

 

TEMPLATE LETTER 3

 

************************* ************************* *

 

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear Sir/Madam

 

Account: xxxxxxxx

 

You have failed to comply with my Data Protection Act Subject Access Request dated (Insert Date).

 

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

 

Yours faithfully

 

 

 

 

 

[name]

[Jess68]

Stick to a strict timetable, that way it cant come back and bite u on the butt later so too speak. They have 40 days to send statements following SAR, if they dont then you can report them and go to next stage from there