Chester 01244 405555

Grosvenor Court
Foregate Street Chester
Cheshire CH1 1HG
DX: 19990 Chester

Shrewsbury 01743 443 043

Lakeside House
Oxon Business Park
Shrewsbury SY3 5HJ
DX: 148563 Shrewsbury 14

Manchester 0844 800 8346

Pall Mall Court
61-67 King Street
Manchester M2 4PD

Send us a message
Our Offices

Credit and Banking Charges

27th April, 2015

Banking Charges

Be aware that banks are not allowed to charge more than £10.00 for providing copies of documents which come from one source i.e. bank statements relating to one account, credit card statements on one card etc.. This is pursuant to the Data Protection Act 1984.

Any request written to a bank or building society should be in the following terms:-

“We hereby request copies of all statements relating to bank account number………pursuant to Section 21 (1) (b) of the Data Protection Act 1984 which states that an individual is entitled to be supplied by any data user with a copy of the information constituting any such personal data held by that user. A data user is not obliged to supply such information except in response to a request in writing and on payment of such fee not exceeding the prescribed maximum as the user may require. This currently is £10.00 pursuant to the Data 1987/1507 Reg.2. This is so regardless of the number of pages.

“Accordingly we confirm the foregoing and enclose our cheque for £10.00.”

Credit card charges

When making any purchase over £100 for any type of goods or services, but particularly those in high risk industries, for example buying kitchen units, booking holidays or buying a new car etc., always use a credit card.

Under the Consumer Credit Act 1974, if the goods or services never materialise, for example the holiday company with whom you have booked goes bust before you have started your holiday, the credit card company is obliged to refund you the full payment you have made. It should be noted, however, that this protection only applies to purchases where the contract of value is up to £30,000, not for purchases above that value.

The same applies if goods you have purchased can be shown to be defective or faulty, such that you are entitled to reject them under the Sale of Goods legislation.

Please note that it does not apply to transactions under £100, nor does it apply to transactions where you use a debit card rather than a credit card.

If you pay for something partly by cash and partly by credit card, then as long as the credit card part of the transaction is more than £100, then the credit card company is liable to refund the cost of the entire transaction if, for example, the consumer never receives the goods for whatever reason.

For more information please contact Trefor Jones on 01244 405525 or email [email protected]

You might also be interested in...

Why there is more to CSR than just boosting a company’s ego

6th July, 2018

When a business invests in its community it deserves praise – but it must go beyond that, writes Helen Watson, a trustee at Claire House and partner at Aaron and Partners Solicitors. Corporate social responsibility (CSR) is the link between a company and the community in which it operates. As a trustee on charity boards including Claire House... Read More »

Stuart Haynes reports on IAG Global – Wiesbaden 14th to 17th June 2018

4th July, 2018

Stuart Haynes, Corporate & Commercial Partner and IAG Global Board Member, reports on IAG Global – Wiesbaden held 14th to 17th June 2018 Stuart Haynes (IAG Global Board Member) Stuart Scott-Goldstone and Nick Clarke attended the recent IAG Global meeting in Wiesbaden which was held at the Grand Hotel Nassauer Hof from 14th – and 17th July 2018 The meeting... Read More »

DNA Test ordered in inheritance dispute where paternity questioned

6th June, 2018

Rhiannon Edwards, Solicitor in the Wills, Trusts and Tax department, discusses the recent judgement in the case of Nield-Moir v Freeman, where the High Court has ordered one of two daughters of Colin Birtles, who has died, to take a DNA test to prove paternity as part of an inheritance dispute In an unusual case, the High Court... Read More »

Contact Us