All pretty much as I suspected. Never mind. Thanks to everyone who took an interest in my situation and particular thanks to those who offered help and advice.

Thanks for the reply. It's pretty much what I expected and feared I would be told. It is true that, ever one for a quiet life, I would not have raised this issue of the parking space were it not for the landlord's unreasonableness during the very latter part of our tenancy (once he had issued us with a notice to quit, so as to re-rent the property out for a higher rent) and now, since. I was hoping our last tenancy was now behind us, content to put it all down to experience and just get on with my life. However, I overlooked quite a number of breaches on the landlord's part (including legal ones) during our tenure because, being in a "seller's market" and needing somewhere to live, we were subject to a Hobson's Choice scenario. And that is why I did not press for redress, not because I was a willing party to the situation. Am I being overly optimistic in hoping such might be taken into consideration?

I am hoping someone can offer me some advice concerning an issue with my former landlord, please. In short, I took possession of a property he was letting out just over ten years ago. Having viewed and been offered the letting, I accepted and paid the deposit plus the first month’s rent and moved in. Meanwhile, the landlord had gone on holiday and it was not until a week or so after I had moved in that I saw him again when he came around to see if we had settled in OK. I told him all was fine and took the opportunity to ask him where the parking space was located as there is only “pay per hour” on street parking outside and a commercial car park approaching half a mile away. He said there was no parking included with the accommodation. Yet the lease which we had each signed clearly stated that the property included the use of a parking space. He told me that this was an error on his part and that there was no parking space included with the property. Having already vacated my previous letting and paid the deposit and the rental advance and moved all my effects into the new letting – in addition to not wanting a major fallout with my new landlord (I also had a wife and three children to consider), I erred on the side of caution and did not press the matter. However, the kids have all grown and flown and we have been obliged to downsize to a one bedroom apartment (with parking, happily). This was nearly three months ago and I have only yesteray received contact from my former landlord’s lawyer stating I still owe him (the landlord) money. I am waiting to learn the grounds for his claim and have requested a full breakdown of that alleged indebtedness from his lawyer but, having been very good tenants who always paid the rent on time and not only took great care of the old property but also did a lot of unpaid work improving it over the course of our ten year residence, I am quite annoyed to be treated so meanly. Regardless of whether or not it transpires that I do, unwittingly, owe this man money I am wondering whether or not I might have a counter claim against him for the false representation of his lease and perhaps even be compensated for the ten years I spent paying for on street parking as well as putting up with the daily (often hourly) inconvenience of that. If someone could advise me, I would be very grateful. Thank you.

Thank you for such a swift and helpful response. Please can you direct me to a template letter, if such exists, which I may doctor to suit my initial letter of claim to each service provider, in order that I might beat the 29th deadline?

Sorry, but I don't understand. Am I "quoting" unnecessarily? I'll stop that, henceforth, if so. That said... "any claim, though I cant see why this mbna is not concluded, so why the confusion....." confuses me as I cannot contextualise your reference and thought I had intimated I am concluding the MBNA claim and no longer pursuing my SAR request, following your help in that query. I am simply wondering if your last reply refers to this (MBNA SAR) thread or my more recent (general PPI enquiry) thread, is all. Apologies if I am not helping myself through helping you, in this. I am trying as best I can, though. And am grateful for your help.

Hi, Is this in response to my new thread or this one, please? Thanks.

I started looking into PPI mis-selling instances within my affairs, just over a year ago and was fortunate to have a claim accepted and received financial redress. Unfortunately, I was unable to pursue any more claims as have been somewhat "in the wars" since then, having suffered a couple of strokes which have obliged me to take involuntary early semi-retirement. In addition, we have been under the cloud of threatened eviction, since November of last year and have only just secured alternative accommodation. But I am still unable to work and (in my sixties) there does not appear to be a solution to that, on the horizon. But, having obtained somewhere to live, I have time to look at PPI matters again yet wonder "Am I too late?" or should I consider employing a PPI recovery agency, perhaps? I have a closed account with Barclaycard and a couple of old repaid Barclayloan agreements as well a paid-up NatWest mortgage and a closed NatWest Mastercard plus a repaid Black Horse loan and a couple of other repaid loans from smaller Personal Loans companies with whom I purchased cars, in my past and a closed TSB Visa from many years ago. I also have an old Life Insurance policy which I have had to terminate as am unable to maintain the payments and I seem to recall PPI might have been part of that agreement. Surely I don't have time, now, to pursue all those. Or can someone perhaps help and inspire me? Many thanks in advance for any help or advice.

Perhaps you're right. On reflection, the paperwork and settlement figures do seem quite detailed. Just me being overcautious I guess. In that case, I think I'll probably drop it but am very grateful to you for having given the documents the "once-over" for me. I'm also actually quite appreciating of MBNA that they did respond and refund as per the original PPI claim. Nice one. Thank you. I've got another general PPI query but shall open up a new thread for that.

As promised, I've dug the paperwork out and attach it, herewith. My memory is not what it was, prior to my illness, it seems the repayment was closer to £3000 than the £2000 I originally referred to (I remembered it was over £2k but forgot by how much). I've also attached the only response I got to the SAR I sent. 180517_MBNA_PPI-Response.pdf 180620_MBNA_SAR-Response.pdf

Yes. I heard that about the tool (too late, in this instance). The site itself seems to be just full of Trolls, fakers, "Double-Agents" and Fifth Columners, also. When, once upon a time, it seemed quite good and started many a ball rolling. I don't waste my time there, anymore. Not sure what type of "refund" was received. I'll dig the paperwork out and report back here. Thanks, again.

Thanks for affording your time to me. The claim was made through another site's on-line tool (Resolver).

Yes. I made an enquiry of them awhile ago in which I asked if i had been charged PPI and they sent me a cheque for circa £2000 but I have since been advised that it was likely only a proportion of what they should have actually repaid. So I was advised to send them a SAR - which they have not responded to.

Yes. Sorry, I just noted I should perhaps have posted this in the PPI section. If Admin could relocate it, I would be grateful.

I am hoping someone may be able to offer me some advice, please.I sent a SAR to MBNA (see attached) in June 2018. I have suffered an illness since and neglected to follow up on it.i sent it via both email to their stated email address as well as by post (but I did not send it Recorded Delivery).MBNA have not responded.What are my options and what would be best to do?Thank you.

Good point, well made. I can't see any real harm in asking. In the worst case scenario, all we've wasted is time, I suppose. Thanks for the advice.

My friend is experiencing cold feet in sending a SAR to the bank, not wishing to unnecessarily upset them. Additionally, we have dug out all the (albeit incomplete) details of the four accounts (1 x Credit Card; 1 x Savings Account; 1 x Current Account; 1 x Loan Account). This includes the Loan account agreement (although none of the other actual agreements - only some of the statements). The Loan Account does not mention "Payment Protection" or "Insurance" in any form that is obvious to us. None of the other accounts' statements which have been retained appear to make any charges in favour of the bank other than the usual "Interest-In" (with the Savings account) and "Interest Out" and/or "Standing Charges" (with the Current and the Credit Card accounts). Indeed, the charges appear to be quite low overall. What to do? Is there any point in causing unnecessary tribulation to the bank, which appears to be (and have been) operating quite honourably (apart from the Loan account's interest rate seeming to be something of a pee-take, to me)? If someone could help us out, we would be very grateful. Thanks.

Thanks. But, unless you have lived "offshore", you will have no idea just how closed a shop it can (and does) become. Ordinary rules don't apply and the judiciary is fiercely (if quietly) protective of its independence from the UK, the EU or any A N Other. On a plus side, the UK "six year" retention of documents has never existed over here. Institutions are required, by law, to retain copies of documents ad infinitum. Another plus is, being such a small place, you not only know what your bank manager looks like but also where he lives and (perhaps more importantly) drinks. LOL

I think you're probably right in that, although I took out the mortgage in Jersey and dealt with NatWest Jersey staff on a face-to-face basis, the mortgage appears to have been issued by and administered through their IOM offices. I'll check out the IOM address and forward it to them unless someone advises me to do otherwise. Thank you.

Thank you for such detailed and valuable information. As I am also minded to submit SARs to banks and other financial institutions with whom I have dealt over the years, I am guessing the same will apply to those in that I should address my SAR(s) to their local offices, rather than their UK ones. One, though, troubles me. I undertook a mortgage with NatWest a number of years ago and pretty much all of the correspondence I received from them was sent from their Isle-of-Man offices - although all my interviews were conducted here, in Jersey. I guess I should send it to the Jersey office and let them figure out whose in-tray to deposit it in.

Thanks. I was just unsure as the date for that sticky is 2007 (over 10 years ago, so I wasn't sure if it was up to date) plus, I was concerned addresses on the Mainland and in Jersey might differ but it seems the new GDPR has prevented the bank's claiming incorrect addresses. Then again..... I'm not sure the GDPR has any jurisdiction in Jersey, anyway. We make our own laws, here.

That's fantastic to learn, so thank you. I've taken a look at the updated GDPR template and I note it doesn't say "If you are not the person to whom this SAR should be addressed, please forward it to that department" (or similar) as a SAR used to. Is that because it is no longer necessary, or do you think I should include it...... just in case? The ICO appears to be giving with one hand whilst taking away with the other, in general respect to the updated rules, it would appear. Each side will be trying to wrestle these amendments to their advantage. Thanks, again. Jib

Hi all, I'm planning to send a SAR to HSBC on behalf of a friend who holds a credit card, a current account, a savings account and a loan account with them. My friend lives in Jersey, where all dealings with HSBC have been conducted. Can anyone please confirm if a single SAR is sufficient to cover all of the above accounts and the correct address to which it should be forwarded, given the location being Jersey and I am unsure whether or not banks fall under the same legal jurisdiction and share the same administration offices as do those in the UK, or are classed as separate entities? Thanks in advance.

Thanks. You're an absolute hero. Thank *Odin there's folk like you around - who actually give a damn. *(I've got some Scandinavian in my ancestry).

Thanks, again. I've searched Natwest on the FCA Registry site and am presented with two pages of different addresses. As I am in the Channel Islands, do you think I should send it to the following?: I am befuddled........ The Royal Bank of Scotland International Limited ( Postcode: JE4 8PJ) Coutts, Natwest, RBS International, Coutts & Co Isle Of Man, Coutts & Co Channel Islands, NatWest Offshore Consumer Credit Interim 545389 IP issued

Thank you. I have viewed the latest "Sticky" for "Natwest Useful Addresses" and there are three (Statements, Card Services and Loans). Do I send a SAR to each of them or, if only one, which one would be best (or does another alternative exist, which is currently best)? Sorry to be a nuisance (I just want to do things properly, is all). Jib