HELP! ADVICE NEEDED!
Jun. 29th, 2006 11:46 am![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
smokingbootNot on how to get me off lj...there's no help for me, clearly.
No, I need some legal/financial type help...see, thanks to the gloriousprobablyscotty I followed the advice given in the link below, which basically outlines how the Office of Fair Trading have decided that the charges made by major banks on unauthorised overdrafts etc are unfair, and shows ways in which you can claim your money back.
http://money.uk.msn.com/Banking/Current%20Accounts/Decision%20centre/Better_Banking/article.aspx?cp-documentid=488325
Now, my bank have not come back to me with the details of my transactions over the past 6 years as stipulated in the Data Protection Act...and of course, they disagree that the amounts they have ripped off me in the last 6 years have been wrong. But they are prepared, as a 'gesture of good will' to offer me a one off payment of just under a grand. Hmm. So I don't know whether to accept the payment (very handy) or say, 'This is all very well, but I don't know how much you've taken so I don't know how reasonable this offer is.' Of course, they could argue that the payment is just to stop them from going through all the hassle of digging out the info. And of course,grabbing the money saves me the trouble of courts etc.
Thoughts from people less crap with money than myself would be gratefully received!
No, I need some legal/financial type help...see, thanks to the glorious
probablyscotty I followed the advice given in the link below, which basically outlines how the Office of Fair Trading have decided that the charges made by major banks on unauthorised overdrafts etc are unfair, and shows ways in which you can claim your money back.http://money.uk.msn.com/Banking/Current%20Accounts/Decision%20centre/Better_Banking/article.aspx?cp-documentid=488325
Now, my bank have not come back to me with the details of my transactions over the past 6 years as stipulated in the Data Protection Act...and of course, they disagree that the amounts they have ripped off me in the last 6 years have been wrong. But they are prepared, as a 'gesture of good will' to offer me a one off payment of just under a grand. Hmm. So I don't know whether to accept the payment (very handy) or say, 'This is all very well, but I don't know how much you've taken so I don't know how reasonable this offer is.' Of course, they could argue that the payment is just to stop them from going through all the hassle of digging out the info. And of course,grabbing the money saves me the trouble of courts etc.
Thoughts from people less crap with money than myself would be gratefully received!
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no subject
Date: 2006-06-29 09:11 pm (UTC)Read this FAQ after registering with the consumer action group, don't think you can read it without. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/5079-data-protection-act-1998-a.html
November_gril's excellent legal advice aside, I personally would at least want to know how much I was giving away. *shrug*
no subject
Date: 2006-06-30 05:57 pm (UTC)As I said, there's no definite way of knowing what you're giving up, as there's no set figure set for what is/isn't acceptable (despite what the press seem to be reporting).