I ordered them over the phone this morning - I'm sure I can ring my old boss and ask her to refund the charge he he he Is the Data Protection act the same as a SAR - its just that I was reading about how long these statements take to arrive and as I already had most of mine I wanted to get the rest ASAP Brilliant that you got yours so soon - who are you claiming against? - Have you sent them the 14 day letter yet?

anyone heard of Brookdale & Walker Associates??? they sent me a lovely letter this morning that they have been instructed by Pennine Debt recovery to recouop £5819.78 My debt was with hons student loans then Wescott who the eff oare pennine anyone heard of them? Am going to look through student loans threads now and am thinking I should a cca but where should it go -Wescott honours student loans or these new boyo's pennine?

thanks for that - took your advise re the full and final settlement loan - Think I got of lightly enough there lol

thanks for your advise guys have started a thread about the ulster bank will be posting in it from now on see below http://www.consumeractiongroup.co.uk/forum/other-institutions/79927-jackster77-bank-ireland.html am waiting on only 4 statements from them to be received within 5 days will be posting on thread above how I get on

well I'm missing 4 pages of statements I ordered them this morning its going to cost £42.00 but I'll have them in 5 working days - thought I'd take this hit as from memory this was around the worst charging on my account and I don't want to wait 40 days - even better the charges on these statements will more than cover the £42.00 charge Even without it the charges stand at £1023.30 this is after the paltry refunds I got of £192 pwarr and I thought the bank was doing me a big favour then lol

have been readin the bank of Ireland threads with great interest - I happen to have all my bank statements for 2005 annd most of 2006 - and it makes shocking reading - I wasn't going to claim against them because I used to work for them - and at times in the past they have been pretty good about refunding some charges guess I always thought that I was happy to pay 11.50 then 14.50 for a referral fee if it meant the dd wasn't unpaid but sod it am going to have a hoak for the missing statements because this would save me having to wait 40 days feel a bit sheepish though about doing this to my old boss - but then when I thought about it she didn't feel to sheepish bout charging me lol have 365 online - but can onnlt get statements up to a year here - is this the norm? anyway when I calculate the charges I'll kee ye's posted as to how much I'm claiming seems though from reading all these threads that the big 4 will not go down without a fight Its so annoying that there is a severe lack of good news stories against the norn iron banks abbey/mbna - sar sent 29/03/2007

hey folkd have sent of my SAR today can't wait to send the letter demanding they remove my default from Credit file he he he

hey guys I'm in a bit of a dilemma with regards to 2 bank accounts I used to work for a bank and have since left and have been subjected to a large number of bank charges with this bank - sometimes I'd phone the branch that i used to work for (were my account is) and they would refund a token amount of these charges so I was thinking of claiming back all the charges but would this seem unreasonable to the guys in the bank that I used to work in??? Also I had a loan and an account with another bank i got into difficulties and got charges on the account etc - I got a full and final settlement from this bank and they knocked about £1500 of a £5000 debt - debt cleared account closed no record on credit report - should I let sleeping dogs lie here as the bank knocked some cash of my debt

Hey thanks for that I know on the phone that I offered them £950 for a full and final settlement but when their acceptance letter came out It stated that it was a partial settlement- I know I should have rung them and not accepted this - but at the time I had so many creditors and just getting there debts cleared was such a relief so i'm snookered that way but I have had excessive charges on that account so I think I'll do the letter thing requesting statements and take it from there

Hey was wondering if anyone could help me I have a number of student loan and one for which I didn't send the deffermwnt forms back in time for The loan was defaulted (but I don't thinks its on my credit report) and they say I am in arrears of £2500 I got all sorts of threatining letters from them re paying the money back including we will be sending an agent to your door to discuss payment -Fair enough i didn't send in the deferrment form but I'm not at the threshold and object to having to pay them anything Basically I have made an agreement to pay them £30 quid a month - a payment which i never make until the threatining letters start again then I give them £30 quid then nothing for months and so on and so on Basically I would appriciate any advise do I have tp pay this cause I didn't fill in the forms even though i am under the threshold and were to I even begin to sort this mess out:D

HI Folks was wondering if anyone could help me out I got myself into financial diffs a few years ago -and I ended up getting my parent to take out a loan so I could pay of all my creditors - I got full settlements from all the lenders and talked to them re the lowest payment I could make to clear them Everyone was great and I got some money knocked off and cleared the debts All except MBMA/abbey credit card - basically I had a 1000 credit limit and had gone over this and charges kept mounting up and up etc I was paying them 50 quid a month but it wasn't making a dent in it. So I ovffered them 950 to clear the debt (Which was around 1600 with all the inteest added on) They agreed to take it as a settlement but in fact they took it a a partial settlement and its on my credit report as a default with a partial settlement I think this is totally unfair as all other companies took what i paid them as a full and final settlement and I Paid back mbma 950 quid plus years of interest and charges is there any point in pursuing this to get my credit report cleaned up