****have hbos breached any aspect of SAR!!!!

[kennythecelt]

HBOS have used many tactics to delay submission and preparation of claims for bank charges and may not have provided details of all other accounts you may have had with them. You may also have found it impossible to get copies of consumer credit agreements, insurance related policies, loans and mortgages etc.

This means that HBOS may potentially have breached their obligations to you under the Data Protection Act. Additionally, it may have meant that you could possibly not prepare and submit a bank recharge claim which are deemed unlawful. Or, you may unfortunately have been working in the dark and depending on HBOS to total up charges for you. Either way, they may have breached the law.

Additionally, HBOS have also used the tactic of saying they would only provide 6 years of statements. You should have received statements for your full banking history. Possibly as far back as 1992, if you had an account then. A full banking history is just that and not what HBOS wants to give you, so that they can limit the potentential size of your recharge claim.

With the advent of the OFT test case, my suggestion is that if this has happened to you, that you complain to the Information Commissioners Office. Everyone that has experienced this is encouraged to do so.

It is hoped that your complaint will then be part of statistical evidence during the OFT case.

Link for ICO follows

http://www.ico.gov.uk/complaints.aspx

Make sure you complain now.

Please post here to confirm when you have made a complaint so that they can be monitored.

Good luck!!