Sorry, I don't understand your question. I made a simple online transaction which went through. The money is "ringfenced" for when the transaction is finally processed, but if I am overdrawn then, I will get charged. I cannot make this payment if there is insufficient funds but the bank still charges for it. I have also been charged for having made a purchase of £2.99 at KFC. The bank say that I had insufficient funds at the point of sale. This is totally untrue. There would be no transaction if I did have a balance in my account. I have decided to reclaim ALL of my charges for the last 6 years. I have done it successfully before but could someone please push me in the right direction on where to start, as the process is slightly different now.

I have made a purchase today of £7.99 using my Barclays debit card. I checked the balance before and after the transaction. The balance has been reduced by £7.99 exactly. Therefore the money for this transaction has been "ringfenced" for this company and is no longer available to me. If, in the next few days I exceed my overdraft limit before this transaction is completed, I may be charged for this transaction. Surely this is wrong as the money should already have been allocated to this company. I know that if I do not have sufficient funds when I make a transaction to this company, the transaction will fail, therefore, the company check that I have sufficient funds at the time of sale. However, the charge advice letter states that "As these transactions are guaranteed, we've agreed to pay them even though there were insufficient available cleared funds in your account" Surely the advice letter is wrong because had there been insufficient cleared funds available at the time, the transaction would not have gone through. I would appreciate some opinions on this matter before I write to complain to Barclays.

OK, point taken. I agree now but what threw me was that we are always advised to shred anything that had bank details on it. But I suppose letters would also have our address as well.

Thanks for the replies but I don't do cheques anymore. They are next to useless now unless you are ordering by post. My argument is that the Company was merely trying to check whether they had the correct Ac No and sort code. There are other ways they could have checked as I have other payment procedures set up with the same Company from the same account. I phoned the Information Commissioner's Office and the advisor told me that the Data Protection Act is not specific enough to include banking details. An e-mail is as secure as a letter containing the same information. Both can go astray. However, I should contact the Company and inform them that I do not wish e-mails to be sent containing my banking details in future. They are obliged to comply.

I have now contacted the Company in question by phone and the Customer Services person has given his own opinion that an Ac Number with the Sort Code is not considered sensitive information. I will write to the Information Commissioner's Office with a copy of the e-mail and ask their opinion.

I've just come back to the Forum and felt that I should close this thread. I ordered the pack up from CAG and it was excellent. The advice given within was that if I have a clean licence then just pay the fine and take the points which I have done now. I am just waiting for the time limit of 3 and 4 years to expire when I can once again have a clean license.

I have just received an email from a Company which details my full Bank Sort Code and Account Number. Is this a breach of the Data Protection Act? Emails are not secure and can be accessed by phishers and hackers. The company was merely trying to ascertain that my banking details are correct. But most companies just print the last few numbers of the account. This surely would have suited the purpose. I have several other payment procedures set up with the same account details and they could have checked those first. I have looked for the answer but cannot find guidance regarding Bank details in emails. Any advice would be appreciated, thank you.

I have just received a Notice of Intention to Prosecute from Warwickshire Police. I was caught by a camera from behind while I was travelling in excess of the 40mph speed limit for my size of vehicle on a single carriageway road. The camera was on the same side of the road as me. I was under the 50mph limit for all road users on that stretch. It appears that I am banged to rights as this looks like a clear cut case. However, 41 days had elapsed before I received the Notice. I work for a haulage company who provided the Police with my name and address, as they are required to by law. I also received a set of FAQ's which mention that the registered keeper of the vehicle should be informed of the offence within 14 days. Can I use the fact that 41 days had passed before I received the Notice, in my defence? Will I qualify for a Speed Awareness Workshop instead of a fixed penalty? I have had a clean licence since passing my car test in 1972. Basically, is there any way I can avoid being given the penalty points? I have ordered the Fight a Motoring Ticket Kit which, I am sure will answer all of my questions.

Worried Teen, I've replied to this in my thread here. Please read the whole thread start to finish. Copy and paste my letter and adapt it with your details.

Worried Teen, have you read posts 8 & 9 in this thread? My charges were more than yours. I didn't pay them. Adapt my letter with your details. These vulture companies don't want to hear "I'll take you to court" because this will cost THEM money, more than what they are asking from you. It will not be cost effective. Also, If they sell the debt on they are knowingly passing on an unlawfully obtained debt. They won't like that pointed out to them. Also, when you wrote the cheque was the T & C of Certegy or Transax clearly displayed? If not, how can you have a contract with them?

Gizmo, If you, or anyone else for that matter, go back to my thread here, you will find a letter I wrote to Certegy, which had the desired effect. In particular, if the charge was unlawful, then to sell that debt to a debt collection agency, surely must also be unlawful and the DCA must be very stupid to buy debts obtained in this way. I would also take heed of lookinforinfo's advice concerning door visits. I had a little trouble finding this thread, it would have been better to have started your own to make it easier for people to find you and give advice rather than hijacking someone else's thread. Hope this helps.

Do any of you play online games?

I have a Harry Potter book. They make excellent door stops!

This is just an update I should have posted before. I have now been refunded the £66 by Travelodge Gatwick as I complained about my bad experiences in the hotel. Also, my bank charges have now been refunded by Barclays. Stick to your principles, the Law is on our side.

If a tattooist messes up a tattoo, I have no sympathy whatsoever. If you or your daughter choose to deface your skin, than don't come crying to anyone else about it just "Deal with it". Most tattoos look like a blob anyway.

Thanks Aldav45, I have already posted a blog on Myspace so will now update it with your banner inserted. Perhaps this will bump it to the top of the pile. I don't think that I would be allowed to insert a link to my Myspace site but if you search Business & Finance and go back to April you will find it. Title Bank Charges. I've posted the same blog again under Family & Home, Family issues. Join my group if you wish and we can become friends. You also get to see my mugshot! I also have a Facebook and a WAYN profile, so will be blogging them as well.

I have just received my S.A.R - (Subject Access Request) but, surprise, surprise, It only goes back 6 years. I will now send them back a letter explaining that they have failed to comply with my request. I will mention that under s.32(1)© I have a right to information stretching back as far as their records go. Please advise if I have missed anything.

Yes I do. Her email address is there as well. It is a sticky to this section. http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/85275-yb-exceeding-40-days.html I rang it and was told she was not available. I was then given some direct numbers to the Clydesdale Bank complaints dept. 0141 242 4287, or 4143, or 4137 These numbers were all engaged also. Just keep on trying. They must be getting a lot of calls to make all these numbers constantly engaged. I wonder why. You could also send Wendy Melvin an email with your query on it. I did this and have not received a reply yet. She must be inundated with contacts and probably doesn't have time to respond to them all.

No problem, the information will be given out eventually. Don't forget that court proceeding take months to process. Also, every day that they delay adds on more interest which is included as part of the final settlement.

Read the stickies to this section. I am in the same position.

Please read the stickies to this section. I am in the same position. My 40 days have now expired. My cheque was cashed a month after it was sent. I would say that they are trying to use this in their favour but it is up to them to cash the cheque as soon as it is received. Therefore I feel that the 40 days is from when they receive your letter. I have emailed Wendy Melvin asking her to look into this for me after which I will inform the Information Commissioner with details of their non-compliance.

The interest is statutory interest which is awarded to you by the courts. Do not add the interest until you submit your court claim.

Congratulations Molly, I have had an account with Clydesdale since the Seventies. I am now waiting for a response to my DPA letter. The time will be up in the middle of May.

Here's a link to Clydesdale Bank's customer charter. Our Customers You'll need Adobe to read it. Here's their whistleblower protection ??? Whistleblower Protection Anything to do with the TV programme?

Thank you Caro, letter amended accordingly and will be sent recorded delivery as soon as local Post Office opens.