Price of copy statements
You all know how to start the process. Get the statements and work out how much money you are owed and off you go. But how much does it cost?
The main way is Data Protection Act which gets you statements, manual intervention, microfiche, and ALL computer notes on your account. I trawled a few sights to find out how much you would be charged JUST for copy statements.
Please feel free to add to this list as it does not cover all banks or for that matter Credit Cards(more research i think).
It's not always clear whether it covers a full 6 years(with request, yes but with statement, not sure) Hope someone can clarify it.
Alliance and Leicester ? per copy statement
Barclays ? per request
HSBC ? per statement
HBOS ? per request
NatWest ? per request
Royal Bank Of Scotland ? per request
Woolwich ? per statementWhen i requested the past 6 years bank statments from HSBC, they did quote me ? per statement. Ia sked for clarification and was told this would be ? per copy statement so ?2 per year. However the past 12 months would be free. I went down the data protection act for ?0 which they didn't actually charge me and got them all.Or my experience with Nat West.
? for copy statements taken twice
?0 S.A.R - (Subject Access Request) payment taken once
?5 refunded once
?0 taken for copy statements (same day as refund!)
No wonder I'm moving bank anyway!!!I was hoping that we were going to discuss what other banks charges for copy statements for CC as well.
Batfink- clearly a number of errors have been made in relation to yourself and only one charge ?0 for S.A.R - (Subject Access Request) should have been taken but it didn't happen. ?0 is still owed. If you sent a cheque it shouldn't have been debited twiceulster bank-? per sheetDo you think perhaps someone should point out to them that someone asking for a copy statement is effectively asserting their rights under Data Protection Act?
meagain-someone asking for copy statements is not necessarily requesting a S.A.R - (Subject Access Request), simply due to numerous reasons, ie non receipt of one, requiring additional copies. I think a some people are confusing SAR with just copy statementsAbbey
This is what I have been quoted for copy statements over the last few weeks - by the various call centres in bradford and india.
(I've been after a couple of months for something unrelated to the Data Protection Act request)
? per statement
? for one statement or ?0 for multiple statements
? per statement
? per sheet
Students do get a little x
Challenging information on
Record profits for Post Of
'One of Them'
The end of free banking...
OFT and unfair relationshi
Banks Workers spill some i
NatWest Students - Card Mi
Info for RBS Group Credit
上一Articlesinfo： Challenging information on credit file
下一Articlesinfo： Students do get a little xtra
The main way is Data Protection Act which gets you statements, manual intervention, microfiche, and ALL computer notes on your account. I trawled a few sights to find out how much you would be charged JUST for copy statements.
Please feel free to add to this list as it does not cover all banks or for that matter Credit Cards(more research i think).
It's not always clear whether it covers a full 6 years(with request, yes but with statement, not sure) Hope someone can clarify it.
Alliance and Leicester ? per copy statement
Barclays ? per request
HSBC ? per statement
HBOS ? per request
NatWest ? per request
Royal Bank Of Scotland ? per request
Woolwich ? per statementWhen i requested the past 6 years bank statments from HSBC, they did quote me ? per statement. Ia sked for clarification and was told this would be ? per copy statement so ?2 per year. However the past 12 months would be free. I went down the data protection act for ?0 which they didn't actually charge me and got them all.Or my experience with Nat West.
? for copy statements taken twice
?0 S.A.R - (Subject Access Request) payment taken once
?5 refunded once
?0 taken for copy statements (same day as refund!)
No wonder I'm moving bank anyway!!!I was hoping that we were going to discuss what other banks charges for copy statements for CC as well.
Batfink- clearly a number of errors have been made in relation to yourself and only one charge ?0 for S.A.R - (Subject Access Request) should have been taken but it didn't happen. ?0 is still owed. If you sent a cheque it shouldn't have been debited twiceulster bank-? per sheetDo you think perhaps someone should point out to them that someone asking for a copy statement is effectively asserting their rights under Data Protection Act?
meagain-someone asking for copy statements is not necessarily requesting a S.A.R - (Subject Access Request), simply due to numerous reasons, ie non receipt of one, requiring additional copies. I think a some people are confusing SAR with just copy statementsAbbeyThis is what I have been quoted for copy statements over the last few weeks - by the various call centres in bradford and india.
(I've been after a couple of months for something unrelated to the Data Protection Act request)
? per statement
? for one statement or ?0 for multiple statements
? per statement
? per sheet
Quote:I know what you mean but asking for personal info re: notes on account etc,etc, is more than just copy statements. Copy statements with NW are ? per request. that means 6 years worth of statements for ?, however with S.A.R - (Subject Access Request) there is details of manual intervention that is not on statements. That means ?0yes i telephoned NatWest and they agreed to send me copies of all of my statements for past 4 years for a ? fee. Which they put on my account. incredible as im ?00 over my ?600 overdraft which by the way is all charges from last 6 months so god knows what 4 years will bring. Egg wanted ?0 a statement rbs said ? but phoned up later and got for free. makes you wonder if they are slowly catching onJust to be litigious again, if there was no S.A.R - (Subject Access Request) available for ?0, then I would be challenging the banks' price for copy statements on the basis of s.8 Sale of Goods Act - and I rate my chances very highly.
I would say that about 10 pence per sheet is more than reasonable - delivered.BF just to be devils advocate- what about postage? And Post Office are now charging for weight of postageRM have always charged by weight - I think you mean they are soon to be charging by size as well as weight.
I suspect a large organisation like NatWest could send 6-10 A5 pages in a C5 envelope for around 14p. Maybe even less as if I recall correctly, Natwest actually use TNT or some other carrier instead of RM for their postage.wouldn't this be an argument under the microfiche problem...ie they're easy enough to produce if your willing to pay for them but if you Data Protection Act us we can't manage it because it's too much workWork for NW don't have microfiche problem so NO
but isnt the whole point that if they didnt charge so much in the first place we wouldnt be requesting them now???????.... does anyone actually know how much it costs the banks?...(any abbey employees out there ?)The argument is about whether the data is in a relvant filing system.
Supposing we agreed a bank didnt have a relevant filing system then they could charge you for providing that data, pretty much what they like not withstanding sections of other legislation and I bow to BFs knowledge here.
However, if they have data on a relevant filing system, as defined within the Data Protection Act, it doesnt matter what that data is they have to supply it, when asked by the subject.
they can currently chagre a max of 10 quid for the lot as far as i can tell. However, it seems to me that if you offer to pay and they refuse payment this does not prevent the S.A.R - (Subject Access Request) being valid. They can charge a maximum fee it doenst say they have to charge a minmum fee i think.
These prices (those posted above) are interesting when contrasted against the penalties levied by the various organisations we are sueing.
Seems to me that if it costs 20 quid or more to bounce a dd and send out a letter automatically, then the cost of finding data on a system that isnt relevant, should be a lot higher than the few quid being charged.
After all, according to the banks its really difficult and time consuming to search all those boxes of fiche!!
Do you think a judge would be interested in this point if raised?
As an afterthought if the banks/cc companies are writing to us with this info, is it worth collaitng the actual data theyre circulating for people to use in evidence as a indication of the bank costs?
GLennHi everyone,
Sorry for my ignorance - A first timer to be exact. Still not quite there with the S.A.R - (Subject Access Request) and bank statement charges. I am understanding that if a request is made for previous 6 years copy statement then we are looking at paying approx ?0 per statement = ?20 per year = ?20.00 to pay upfront. If this is correct, am I correct in assuming that these statement charges can be claimed back as they were only requested due to the banks overcharging in the first place.
Also at what point would a S.A.R - (Subject Access Request) be required.
Thank youdebpye- which bank are you with, and that charges seems ridiculous. ?0 S.A.R - (Subject Access Request) covers statements
I would say that about 10 pence per sheet is more than reasonable - delivered.BF just to be devils advocate- what about postage? And Post Office are now charging for weight of postageRM have always charged by weight - I think you mean they are soon to be charging by size as well as weight.
I suspect a large organisation like NatWest could send 6-10 A5 pages in a C5 envelope for around 14p. Maybe even less as if I recall correctly, Natwest actually use TNT or some other carrier instead of RM for their postage.wouldn't this be an argument under the microfiche problem...ie they're easy enough to produce if your willing to pay for them but if you Data Protection Act us we can't manage it because it's too much workWork for NW don't have microfiche problem so NO
but isnt the whole point that if they didnt charge so much in the first place we wouldnt be requesting them now???????.... does anyone actually know how much it costs the banks?...(any abbey employees out there ?)The argument is about whether the data is in a relvant filing system.Supposing we agreed a bank didnt have a relevant filing system then they could charge you for providing that data, pretty much what they like not withstanding sections of other legislation and I bow to BFs knowledge here.
However, if they have data on a relevant filing system, as defined within the Data Protection Act, it doesnt matter what that data is they have to supply it, when asked by the subject.
they can currently chagre a max of 10 quid for the lot as far as i can tell. However, it seems to me that if you offer to pay and they refuse payment this does not prevent the S.A.R - (Subject Access Request) being valid. They can charge a maximum fee it doenst say they have to charge a minmum fee i think.
These prices (those posted above) are interesting when contrasted against the penalties levied by the various organisations we are sueing.
Seems to me that if it costs 20 quid or more to bounce a dd and send out a letter automatically, then the cost of finding data on a system that isnt relevant, should be a lot higher than the few quid being charged.
After all, according to the banks its really difficult and time consuming to search all those boxes of fiche!!
Do you think a judge would be interested in this point if raised?
As an afterthought if the banks/cc companies are writing to us with this info, is it worth collaitng the actual data theyre circulating for people to use in evidence as a indication of the bank costs?
GLennHi everyone,
Sorry for my ignorance - A first timer to be exact. Still not quite there with the S.A.R - (Subject Access Request) and bank statement charges. I am understanding that if a request is made for previous 6 years copy statement then we are looking at paying approx ?0 per statement = ?20 per year = ?20.00 to pay upfront. If this is correct, am I correct in assuming that these statement charges can be claimed back as they were only requested due to the banks overcharging in the first place.
Also at what point would a S.A.R - (Subject Access Request) be required.
Thank youdebpye- which bank are you with, and that charges seems ridiculous. ?0 S.A.R - (Subject Access Request) covers statements
Example Unordered List
APACS your friendly financStudents do get a little x
Challenging information on
Record profits for Post Of
'One of Them'
The end of free banking...
OFT and unfair relationshi
Banks Workers spill some i
NatWest Students - Card Mi
Info for RBS Group Credit
