Many people in the UK don’t have a personal bank account. Some of those people find it difficult to open a standard current account with a full function debit card, cheque book and overdraft facility because of either a previous bad credit history or a low credit score due to them not being in full time employment, not being on the electoral register or not owning their own home, for example. To overcome this problem UK banks are obliged to offer stripped down versions of their current accounts wi...

If you're thinking of applying for a new credit card, be it your first ever application or your first for a few years since the darker days when you may have had a default registered against you (with the Credit Reference Agencies (CRA's), then it's always best to consider asking your main bank first. Unlike applying with a sub-prime lender, such as Capital One, Vanquis, Barclaycard etc, by applying to your bank you may be surprised to learn that they may well accept you. Of course there are n...

Subject Access Request
You would send the Advanced SAR in order to obtain all information that an organisation holds about you (the data subject). You must remember to send the £10 fee so if you have a joint account then make the template into a joint version with both names and both signatures and you'll still only need one £10 fee. Ideally send it Recorded Delivery or at the very least obtain Proof of Postage.

---

Dear Sirs,

Reference: 123456789 ...

CCA Request (s.77, s.78, s.79)
You would send the CCA Request to your creditor / DCA with a £1 postal order fee. Ideally send it Recorded Delivery or at the very least obtain Proof of Postage. This template covers all elements of s.77 - s.79 so you can send it regardless if you have a loan (s.77), credit card (s.78) or hire purchase (s.79).

---

Dear Sirs,

Reference: 123456789 I hereby formally request a copy of my Consumer Credit Agreement, pursuant to s.77-79 ...