If You DO NOT Have Your Bank Statements You Can Make A Data Protection Act Disclosure Request
This request is made under the Data Protection Acts
1984 and 1998 and refers to the "right of subject access"
under the acts.
The lender can charge you up to £10.00 (use a postal order
and not a cheque) for supplying the information. They can also write
back to you requesting you to be more specific or ask you for more
information.
What we are looking for is our statements for the last 6 years, and the letter on file has been written to cover any pitfalls the banks are using to stall.
Use the draft Data Protection Act letter above as it has been written to avoid confusion and delay. Using the DPA route does delay the process of claiming back penalty charges by as much as 40 days. It is therefore a last resort.
Make a note of any calls you make and what the lender tells you. Also note when you post letters etc as this will make it much easier to keep track of everything.
Once the statements or charge details arrive, then follow the advice
from the section entitled "You have
all your statements from the past six years".
We have teamed up with www.penaltycharges.co.uk to provide you with all the documentation you need to make your
complaint.
