Can I start process without knowing exact figures ?

[dinghy]

Wondering what anyone else thought...

 

I can't see any reason why one can't start the process of asking for all charges to be repaid without knowing an exact figure (ie concurrently to the Data Protection Act request) and then setting the exact figure some way down the route towards court if neccessary. ATEOTD the bank should know what amount has been taken from your account and it shouldn't have to take you to tell them.

Moderated : for the protection of the site please do not post comments that may be viewed as libellous .

[BankFodder]

If you read posts by Maxie or by Stephen Hone you will see that they suggest that this is a way to go.

 

However if you look at my posts, you will see the I generally never recommend it. I think it leads to problems and uncertainty and could push you unnecessarily into court as the bank won't really be knowing what you're claiming. I would suggest that you only sue for indeterminate amounts if you are in a hurry because you're limitation period is expiring. Otherwise I think it is better to go a bit more slowly. Issue your DPA claim if you are satisfied that your subject access request was properly made. Then when you get your statements work out the charges and continue along the normal route. An advantage of this of course might be that the bank will understand that by the time you're making the claim for charges, that you have to be taken seriously.

[dinghy]

This topic was closed on 10 March 2019.

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