Charging £10 for statements

Kurt_Hamster · 31 May 2007 at 11:33AM

wullbags wrote: »

I dont think you need to send £10 if you are requesting a list of charges applied to your account, I think you only need to send £10 if you are asking for copies of your statements, maybe Im wrong ??????

Yes you are wrong, totally.

The £10 is the maximum statutory fee for making a Subject Access Request as per the DPA. This entitles you to request data that is held on you by any particular "data collector".

If you ask the bank specifically for statements they are entitled to charge for the service. Some charge £5 per statement page.

Kurt_Hamster · 31 May 2007 at 11:34AM

KME91 wrote: »

I don't have a cheque book or access to one. will a postal order be ok?

Any form of legal tender will do the job, postal orders included.

margesimpson_2 · 31 May 2007 at 11:40AM

I didnt send any payment along with my requests to CC Companies, does this mean they will wait 40 days and then ask me for £10?

Or should I write to them again enclosing payment?

Kurt_Hamster · 31 May 2007 at 11:55AM

The £10 is a statutory maximum, it isn't compulsory for the firms to charge that, although most do.

Given the bank's propensity for stalling it's pretty much certain that they will let you wait as long as possible before telling you that you didn't enclose payment.

Personally I'd write a follow up letter referring to your original letter and enclosing a cheque.

This is why all the SAR templates from reclaim sites include making payment. It prevents the bank/ CC Co from taking liberties. If they are prepared to do it for free then they will return your cheque.

"a ship was ruined for a ha'porth of tar"

margesimpson_2 · 31 May 2007 at 11:59AM

thanks Kurt

Do i then give them 40 days from the date of my follow up letter? or from the first one?

Kurt_Hamster · 31 May 2007 at 12:06PM

margesimpson wrote: »

thanks Kurt

Do i then give them 40 days from the date of my follow up letter? or from the first one?

Theoretically you can use the date of the first one now that you are making the payment. The request is dated from the first letter ordinarily, not the date of payment. It's a bit of a grey area this one.

AlexisV · 31 May 2007 at 12:31PM

They could do that.

Write again and enclose the money.

TheGame110 · 31 May 2007 at 12:36PM

I deliberately didn't enclose a £10 cheque with any of the 3 letters I originally sent...

- Abbey
- Monument
- MBNA

All sent me lists of charges without any fuss! Abbey took their time like, but Monument and MBNA sent within 7 days... didn't have to pay a penny

margesimpson_2 · 31 May 2007 at 1:52PM

Well I suppose i did "deliberately" didnt send the payment with the request for the charges, suppose i was hoping that they would send them anyway, or at least contact me quick to get the money from me and then delay giving me the info.

However, i have just written follow up letters to all of them and enclosed payment, will post them today. I didnt want them to get me to wait 40 days and then tell me they needed £10 from me, and then id have to wait another 40 days!

The credit card companies are:

Nat west credit card
RBS credit card
Tesco personal finance credit card
Mint credit card
Monument credit card
Citi card credit card
Littlewoods personal finance credit card

ALL OF THE ABOVE ACCOUNTS ARE CLOSED (except Tesco), as over the past 18 months I have made myself skint so i could become debt free, so am hoping that i can get some money back and have a holiday!!!

markyb555 · 31 May 2007 at 6:42PM

theroically you should do that way your playing by there rules.. if you dont send one in. They could say you was in breach of your contract and there for not pay out.seems strange that they wouldnt request the admin fee it cost them to print off and send, if nothing else for the postage of them! We sent cheques to all of the banks and within 7 days got the one from natwest, still waiting on the Lloyds tsb one tho..