I got a reply today from the BCSB: I'd say that the total lack of notice re: penalty charges constitutes a serious breach, so I'm guessing this is yet another point to nail NW on.

IF you're asking do the laon comapnies provide statements? Yes they should. if you don't have details just send them a DPA request with the ten pounds and get adding the charges up!

Yes - you were not aware that the charges made by the bank were unlawful, and they concealed the fact from you.

This would nearly pay off you overdraft, which is good. When i was a student, only 4 years ago... They would let you transfer to another bank, no matter how much into your overdraft was. In the end, you are a student, you are meant to be in debt and that;s why banks want your business. There is no harm in trying. ps. I had 3 student accounts, all with overdrafts. I recommend you don't do that though!

Yes, it does happen - but as long as you have followed the proceedure, there really is no need to worry. If they have ignored you up until now, they won't when the receive the court papers!!

I'm a big fan of donations, as was suggested on the previous thread. Having read comments on a recent thread (now linked here) I believe that any attempt to instigate a set fee, especially at sign up stage, would do more harm than good. People often feel as though they might be entering into a con when they are asked to pay for something that they can not be sure will help them. Only by coming onto the site, reading the material and the threads will people really be able to judge it's value. I also think that asking for a set percentage of winnings would be wrong too. You would have to get people to agree to this at sign up, a

I think it may do you good to rectify this early on. On your new letter, state that this request superceeds the previous one dated xx/xx/xx. For your reference.............. There is often a lot of confusion regarding interest - not least because there are effectively 3 types that are referred to.... (1) You can claim for the interest that the bank applied to your account solely due to the charges, i.e. NOT for general interest which occured simply because you had gone overdrawn. This, in my book anyway, is more complicated to work out because you should ideally know what APR they charged you for general overdraft rat

Merged these two threads to help keep track of you. Please stick to the one thread if it's in relation to the same query. With regards your response to this matter, use this template letter and get it sent off asap. ******************* Data Protection Act disclosure request Dear xxxxxxxxxxx Account Number: xxxxxxxxx I am in receipt of your letter dated xx/xx/xx, outlining that you could only provide me with printouts covering certain transactions on my account, because earlier information is not held on a computer system or a structured relevant filing system and therefore, they do not fall under the Data Protec

They're not saying that at all. They're saying they still don't admit they're in the wrong (well, there's a surprise), but they're not about to try and prove it in court. Which tells you they're wrong and know it. They tried to bribe me into silence with MY money, and when I refused to play, they just caved in. It's just like a giant game of chicken, really. And they've been plucked, trussed, impaled, and put to roast on a slow fire. And I'm loving it!

Seems no-one else has responded to this... So I'll give it a go... With any of this it all depends on your own pov and how much risk you are willing to take... I personally believe that if pushed they will back down and give you everything that you are owed. It could go one of several ways if it does make it to court. a) The court could find that these are indeed penalty charges and therefore order them to be repaid in full. b) The court agrees that they are payment for service but not proportionate. This would then lead to one of 2 outcomes i) The bank would demonstrate what a proportionate fee is which would invol

Im just waiting for the payment to come through before completing the questions - otherwise i shall continue to take them to Court