Bank refunded some into bank and have now sent this letter, what is the best course of action now please? Having carried outa full investigation. charges do not contravene those regulations cannot refund all. Gesture of goodwill etc etc. They paid £1025 into account £1760 still outstanding. Do i just carry on and request the rest through a letter before court action???????

Hi, Quick ?, can you include returned cheques in charges, as because of their charges, money not there to cover the cheque. Thanks .

I have just received all my statements, they were 6 days over the 40 days, but they sent them in 3 lots so as to keep me hanging on a little. good luck to you.

I agree with what you say, but with it they enclosed the form for me to fill in and send £10 with, copy below. Thank you for your letter dated xxxxxxxx which we received onxxxxxxxxxxx, requesting information on your bank account. I would like to advise you that under a Data Protection Act Request, you will only receive the transactions that are currently held on our systems. These will be forwarded to you within 40 days, free of charge, under separate cover. Any earlier transactions have been archived onto microfiche, which is not covered by the Data Protection Act. These archived transactions will not therefore be supplied to you under a Data Protection Act request and will not be subject to the 40 day ruling. Unfortunately, we are unable to supply a list of charges applied to your account for the last six years because we do not store this information separately from other transactional data. We can only supply a list of the transactions on your account, which will include details of any charges applied. We can however supply details of the transactions held on the microfiche on payment of an administration fee. The fee is as follows: - £5.00 for 1 monthly statement that has been archived £10.00 for multiple monthly statements that have been archived. Abbey National pic. Registered Office: Abbey National HOllse, 2 Triton Square, Regent's Place, London NWI 3AN. Registered number 2294747. Registered in England. www.abbey.com Telephone: 0870 607 6000. Calls may be recorded or monitored. Abbey National plc which is authorised and regulated by the Financial Services Authority only advises on its own Life Assurance, Pension, Mortgages and Collective Investment Scheme products and acts as an Insurance Intermediary for General Insurance. Abbey National Credit and Payment Services Ltd is an Appointed Representative of Abbey National pic which is authorised by the Financial Services Authority. Abbey and the flame logo are registered trademarks. Mise 0337 AUG 05 os ~Abbey If you would like to go ahead, please fill in the form enclosed & return it to us. You can pay by personal cheque made payable to Abbey or at any local branch. You can also ask us to debit the money from your Abbey account if that is easier. Please can I take this opportunity to assure you that any delay this may cause is unintentional. If you have any questions please call us on the above number. Authorisation Request for DPA Transaction Statement Customer Name(s) ___________________________________________________ _ Account Number(s) ___________________________________________________ _ I request a statement of transactions covering the period From _____________ _ To £5.00 per account for 1 monthly statement £10.00 per account for multiple monthly statements Address for correspondence Daytime telephone number _______________________________________ _ Please remember to input the ammount o I authorise Abbey pic to debit £ _ OR from my account I enclose a personal cheque for £ made payable to Abbey pic. Do I fill this out? sorry to be a pain

Please somebody help??? When I sent my 1st letter of request for statements I didn't enclose £10. Which I now realise that I should of, but I was getting conflicting advice at the time. I received a letter from abbey, with the Authorisation request for DPA Transaction request form, but again I had conflicting advice and was told just to wait. I have since received 13 months of statements. As I am now getting near to the end of 40 days and have been scouring all threads, double checking, I now realise that I should possibly of enclosed £10 to abbey. Is it now too late to send the form with money or do I now need to start the whole process again. I really am in such a turmoil, please, please could anybody help. Thank you in anticipation. Scraggy

thx, so just carry on with my 40 days, etc. Dont know how they can change your request to a complaint.

After receiving 13 months of statements and the microfiche letter, I sent the letter in reply. This morning I received the following letter, Please could someone advise. Also I would like to know exactly to which address I should send my letters. Thank you for contacting us and I am sorry that you have been so unhappy that you have felt you must complain. One of my team will be responsible for investigating your complaint and I have enclose~d our Complaints leaflet, which explains our procedure for doing this. High quality customer service is of great importance to us at Abbey and we will do everything we can to resolve your complaint in a timely and satisfactory manner. I know it is important to you that we resolve your complaint quickly, but we want to do a thorough investigation and sometimes this can take time. If we have not contacted you before then, we will write to you in four weeks to let you know what is happening. Although I do not know what the outcome will be, I do hope that we will be able to find a solution that you are happy with. Yours sincerely Marc Winder Head of Complaints Enc. Complaints Leaflet Abbey National Credit and Payment Services Ltd is an Appointed Representative of Abbey National pic which is authorised by the Financial Services Authority. Abbey National pic. Registered Office: Abbey National House, 2 Triton Square, Regent's Place, London NWI 3AN, United Kingdom. Registered Number 2294747. Registered in England. www.abbey.com Telephone 0870 607 6000. BT calls cost max 8p min 5.5p per minute. Other companies and mobile costs may vary. Calls may be recorded or monitored. Authorised and regulated by the Financial Services'Authority, FSA registration number 106054. Abbey and the flame logo are registered trademarks. Abbey National pic advises on Phoenix Life Assurance Limited's life assurance and pension products, advises on its own mortgage and collective investment scheme products, and acts as an insurance intermediary for general insurance,

Thank you, will get that started.

Hi all, I have now received 13 months of statements and am waiting on my reply from abbey to the microfiche argument , letter sent in response recorded delivery. Now down to waiting for the 40 days to be up, 4th october. Should i be preparing my spreadsheets with statements i have received so far? Thanks for help.

I have my letter all drafted, concerning the microfiche issue. Am confused where as to send to, the address my letter came from was, Pam Speed Abbey PO Box 1109 Bradford BD1 5ZJ But as i want to send my letter recorded delivery, to whom and where do I send it?

:confused: Hi to everyone, I have already started the process as i am disabled and on benefits and always seem to have charges most months. Which always makes it harder and then just becomes a viscous circle. I wrote the first letter to abbey requesting a complete list of charges etc. This morning i received a reply. Very Confusing:confused: . As follows. I would like to advise you that under a Data Protection Act request, you will only recieve the transactions that are currently held on our systems. These will be forwarded to you within 40 days, free of charge, under seperate cover. Any earlier transactions have been archived onto microfiche, which is not covered by the Data Protection Act. These archived transactions will not therefore be supplied to you under a Data Protection Act request and will not be subject to the 40 day ruling. Unfortunately, we are unable to supply a list of charges applied to your account for the last six years because we do not store this information separately from other transactional data. We can only supply a list of the transactions on your account, which will include details of any charges applied. We can however supply details of the transactions held on the micrfiche on payment of an administration fee. The fee is as follows:- £5.00 for 1 monthly statement that has been archived £10.00 for multiple monthly statements that have been archived. Does anyone out there understand this, as I am now totaaly confused as to what they are actually going to be sending me. Thanks in anticipation to you for taking the time to read this.