Hi folks,
Just thought I'd update the tread as my claim progressed. On Sat just gone I recieved a letter from the bank (BOS) and it was in ref to the letter I sent asking for all charges etc. Here is an extract from that same letter I sent them below in bold.
Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.
Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.
If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.
In the letter I recieved there was what appears to be a 'SCHEDULE OF CHARGES' attached, as there are various dates with amounts oposite - including ones from a closed account with them. I was expecting the '
interest debited charges' to have been included with these charges. What I mean is on my bank statment this month it had £1.93 charged to my account as 'interest debitited' and at the bottom of my statment is states that next month there will be £3.37 to be debited as interest debitited. I take it this 'interest debitited' is for me using my over draft every month?
On a more serious note, should all these 'interest debitited' amounts have been included with my list of charges, as I originally asked for 'a complete list of all charges' with my originally letter?
If anyone knows the answer to the above I'd be very grateful.
I don't mind going with just the charges that I have to go with - purley for a quick resoulution - but I'm just checking to see if this is the bank been sneeky and not giving a complete list.
Also I asked (again in the 1st bold bit above) about the manual intervention to which I got this reply;
'
As BOS is not required to record this info I am afraid I am unable to assist etc etc.' Is this manual intervention a bid deal does anyone know?
One final question folks and it's in ref to the next letter template I have ready to send off as in 'request for repayment of charges' letter. Once I have recieved the rel feedback from you that is.
It states on this letter the following (in Green) but I find it a bit confusing. It says 'taken' with x amonts and then 'plus' with x amounts. Is it the total of charges and then the plus bit is the 8% interest I add to the total?
Again any help is much appricated as I just want to make sure I get it right.
What I require
I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .
I enclose a schedule of the charges which I am claiming with this letter.
p.s. Sorry for such a long tread folks and on a positive note the bank stated in the letter, that they would not be cashing my £10 cheque I send with the dpa letter. They said BOS has decided not to charge a fee for requests such as these. Perhaps it's because I would eventually be asking for that also to have been refunded.
Quote:
Originally Posted by newguy
Hi Folks,
Recieved a letter from HBOS's data subject access request team the other day - dated the 18th June - saying due to a high number of similar request that it may take a little time to process my request - but that I will have the required info within 40 days of them recieving my request etc etc. So far so good.  |