Old credit card statements
gatherallthethings
Forumite 7 Posts
I'm trying to get machine-readable Visa credit card statements from First Direct.
They have six years of records of data about my spending which they can process into statements, print out, and post for a fee, but I really want the electronic data on which these statements would be based. (I can log in online and get the last 3 months, but not the full six years.)
The electronic data clearly exists *somewhere*. Do I have a right to have an electronic copy of what they record about me? The bank doesn't outright refuse to give me a copy, they just say things "it's not part of our service to give you that data" etc.
No one I've spoken to is clear about where the data is kept; it might be in a First Direct computer, or they fetch it on-demand from a Visa computer. I think it's another form of deflection on their part honestly: a way to avoid giving me the data by making it sound more complicated than it has to be!
They have six years of records of data about my spending which they can process into statements, print out, and post for a fee, but I really want the electronic data on which these statements would be based. (I can log in online and get the last 3 months, but not the full six years.)
The electronic data clearly exists *somewhere*. Do I have a right to have an electronic copy of what they record about me? The bank doesn't outright refuse to give me a copy, they just say things "it's not part of our service to give you that data" etc.
No one I've spoken to is clear about where the data is kept; it might be in a First Direct computer, or they fetch it on-demand from a Visa computer. I think it's another form of deflection on their part honestly: a way to avoid giving me the data by making it sound more complicated than it has to be!
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I guess write a letter to ... their data officer?
It's hard to know the correct avenue for communication with these people, that will yield actual results. Talking on the phone is obviously getting me nowhere
Yes you can request copies of old statements for which a per-statement charge is usually applied. But why should they provide you with more than that?
I also have a feeling that provision of 6 years worth of statements, which is a service normally charged for, could not realistically be included in an SAR It is after all not information held about you as such and would probably be seen as a way to get out of paying the clearly stated charge for copy statements.