I have compiled the DPA to Nationwide. However, I have chosen to omit: "Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 DPA subject access request fee." I feel there is no specific need at this stage to inform them of my intention to claim. Is this the case or is it a requirement to make one's intentions clear at this stage? Best regards

Great News Be sure to keep all your correspondence as such settlements are useful for catalogue. As for what to do next, I'd suggest you bung the Consimer Action Group a hundred quid for their superb advice and help. I am just formulating my case and am at stage one, the DPA. But I find your angle of sending the documentation to the Nationwide Solicitor dealing with the claims a somewhat faster route to satisfaction. Way to go! I have always praised the Nationwide and in my years banking with them must have introduced at least 40 customers to them. I will track as many as possible down and inform them of the case for reclaiming funds.