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Slip up in procedure - any suggestions?


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Not having read these forums correctly (doh!) I stupidly did not send my £10 when I made my request for a list of bank charges under the data protection act. The bank have replied to my letter to say they are looking into the matter. Where do I stand though? Do I need to send a similar letter agin do you think with my £10. I ask because I read on these pages about someone getting the info from their without having to resort to threats under the data protection act.. Any suggestions?

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you could write to them stating you applied for a list of charges to them and you forgot to put in the ten pound fee, and add the fee but they have 40 days from then to comply .........or you could just hang on and hope you strike lucky ....but then they could say they didnt recieve the fee and refuse your request .....the choice is yours

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A lot of the banks are returning fees and saying they'll give the info free of charge, but a lot have also shown how arsey they can be. I wouldn't want to hope they decided to overlook the lack of payment :)

 

If I were you, I'd follow Mech's first suggestion and write to them again, sending the payment.

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One thing to consider is that the banks could return all the statments free of charge but not include details of the manual interventions. If you send the £10 then the DPA request is complete and they must supply all details requested.

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Ok , the latest is that I had a reply from Alliance and Leicester today, saying they will provide me with the info and charge me £10 from my account to cover it. (This could be interesting as at presnt I don't have £10 in it! Surely not .... Surely they won't.....- well we will see eh?!!!!)

 

Basically it's a go away and die letter. Can I quote a few bits of it and ask for peoples comments? Cheers....

 

 

…The Office of Fair Trading has commented that they consider the level of late payment charges to be unfair: However they were actually referring to late payment fees for credit card payments which are quite distinct from a banks charges on current accounts.:mad:

…please be assured our charges are reasonable and are competitive with the charges made by other financial organisations.:mad:

…the OFT have not entered into any discussions with the banking industry regarding currant accounts.:mad:

Any comments please. Many thanks in advance for all your help. I look forward to hearing from you all on this. :grin:

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The'll slap a charge on you for insufficient funds !:D

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Ok , the latest is that I had a reply from Alliance and Leicester today, saying they will provide me with the info and charge me £10 from my account to cover it. (This could be interesting as at presnt I don't have £10 in it! Surely not .... Surely they won't.....- well we will see eh?!!!!)

 

Basically it's a go away and die letter. Can I quote a few bits of it and ask for peoples comments? Cheers....

 

 

…The Office of Fair Trading has commented that they consider the level of late payment charges to be unfair: However they were actually referring to late payment fees for credit card payments which are quite distinct from a banks charges on current accounts.:mad:

 

 

 

…please be assured our charges are reasonable and are competitive with the charges made by other financial organisations.:mad:

 

 

…the OFT have not entered into any discussions with the banking industry regarding currant accounts.:mad:

 

Any comments please. Many thanks in advance for all your help. I look forward to hearing from you all on this. :grin:

 

Don't worry, it doesn't matter what the OFT were referring to TBH. At the end of the day, the charges are penalties and under contract law, you can't penalise someone for a breach of contract.

 

Continue with it. They're only trying to put you off.

 

OC

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Don't worry, it doesn't matter what the OFT were referring to TBH. At the end of the day, the charges are penalties and under contract law, you can't penalise someone for a breach of contract.

 

Continue with it. They're only trying to put you off.

 

OC

 

Oh I will be doing - No worries!

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