Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I sent off my D.A.R on the 5th March 2008 i recieved a reply on the 20th March 2008 saying i needed to send in a letter with my signature on before they can process my request which i did. hadn't had a reply for over 2-3 weeks so i rang my local branch and they past me onto head office and then they past me onto my branch where i opened the account for them to get in contact with the Data Protection Team as the phone number can't be given out. eventually i recieved a call back from my branch saying that they had spoke to the D.P.T and was told that they never recieved my D.A.R so i explained that they had as i still had the letter requesting my signature plus the reciept for the Postal Order and the recorded delivery reciept. so my branch told me they would ring me back the next morning where the story had changed now they tell me that my signature is different to the one they have on file so i had to go in branch and re-do it. so for arguements sake i went and did it even though i hadn't changes my signature in any way, after they recieved it they would send me my information. i rang my bank yesturday as it had been two weeks and i still didn't have my information and was told that the signature didn't match again and that i need to send another letter in with my signature on it before they send me the info.
So my branch offered to order my 6 years statements in branch and then in the letter put for the rest of the information.
Is there anything else i can do everything i say they seem to have an answer for trying there best making up lame excuses to get out of it. it's really stressing me out and making me ill. i sent off my request nearly 3 months ago and still haven't recieved anything
Yep i do still bank with them i have since December 2002, although i haven't been able to use my account for about a year as they have put nearly £2000 in charges on my account for Direct Debits they say they cancelled. That is why i wanted the D.A.R to prove it with the letter they sent telling me that and for the charges to cover this time, so i can start using my account again. The account is still open and have been told i can still use it once the account balance is cleared.
Yep i have ordered them through the branch i just have to send a letter to the D.P.T so i can get the rest of the information.
Also i just wanted to point out in your reply it says me making continued excuses but it is the bank who is doing that not sure if you put that by mistake but i just wanted to added that
Ask the RBS to supply you with copies of the two signatures they say do not correspond with your signature........they might be holding data against you that isn't yours...make sure about that....I wouldn't trust RBS as far as I could throw their head office!!!
I've just spoke to my bank the woman who is dealing with this is on hols so i had to speak to someone else. She told me i needed to ring the Data Protection Team when i explained to her i'd been told that the D/P/T apparently don't give there number to customers she seemed very surprised and kept asking me to hang on a sec while she went off the phone.
She then advised me to write to them telling them that my signature has never change and to ask them to ring me so that things can be sorted out otherwise the situation isn't gonna change.
I know your mean't to do these things in writing but i wanted to clear it up quickly so i can start my claim as i've been told i can claim under bank error with isn't on hold.
When i first left my job in March 2007 i sent a letter to the bank asking if my overdraft could be written off as i wasn't getting enough money to pay it so they send me a letter about two weeks later saying that they would put my account into default and that i had to find a new bank and that all my DD had been cancelled which i did, then a few months later i get a letter saying i owed nearly £2000. That is why i need the D.A.R as i don't have the letter to prove it
Would you believe it RBS have sent me another letter asking a letter with my signature yet again. This is the fourth time now.
It also makes you wonder what there hiding aswell
I'm fed up with this now, there really taking the mick.
What would you suggest i do now, As Robinson Way are still contacting me about it saying there gonna take legal action. I've sent a account in dispute letter. But from previous dealing with them i don't think they'll take any notice of it.
I want it sorting out a.s.a.p all i need is the history as i've recieved my statements from in branch.
Have you writen requesting the SAR or phisically gone in? I understand that if it's by mail the only way they can prove the letter sent was actually by yourself is by matching the sig's but if you visited the branch with ID (driving license/passport) they cannot deny it is you.
Before I found CAG I was really indecisive. Now I'm not so sure...!
I sent it in writing, on the 3rd March. That's the problem they say my signatures don't match i've done this 4 times now, with the third one i asked for the signatures they say don't match and they completely ignored it and sent another one asking for a letter with my signature.
I would go into the bank but my passport has my old name on which i never did officially. i just got a letter from my doctor who knew me as my old and new name as i was only 14 at the time and my mum didn't want me to change it so i couldn't do it officially,but they still let me open my account with it but i'll probably have problems if i took that in and i don't have a driving licence yet.
But i've sent a non compliance letter to them a couple of days ago with my signature on so i'll see what they say about that.
I've had this account for over 6 years and i've never changed my signature one it's pathetic
The woman from RBS who is helping me sort this out, Rang me yesturday and said that the Data Protection Team have told her that they don't deal with D.A.R only sending out statements and that another part of the company do it, I can't remember who she said now but i've got to resend my D.A.R and they wanted me to pay £10 again but luckily i kept my reciept for the postal order from last time so i've got to send that aswell.
it's taken nearly 4 months for them to tell me that and thinking about i've realised why they are making excuses not to send me the info. it's because i sent my origional claim in about a month and a half before it went to court so they probably don't want to settle it till after the court case
Finally recieved my D.A.R but would you believe they haven't sent me all the info. All the letters i sent to them and all the letters they sent to me aren't enclosed, details of my claim for charges which they recieved at least a month before the OFT case started haven't been enclosed plus the default notice. Are they real.
Finally recieved my D.A.R but would you believe they haven't sent me all the info. All the letters i sent to them and all the letters they sent to me aren't enclosed, details of my claim for charges which they recieved at least a month before the OFT case started haven't been enclosed plus the default notice. Are they real.
They will use the excuse for not supplying those documents that they are not hel in a relevant filing system, so far the ICO will agree with them....but I'm challenging this via my MP.
sparkie
it just seems abit funny how it's took over 4 months of promises, messing me about and being past round department to department and then when they finally do send it to me the bits they miss out are the bits i need most and the bits i need to pass my claim through on the grounds that it was a bank error and that my claim should'nt even be on hold as i sent my claim in over a month before the court case started and then the default notice.
How is your MP helping you, I don't even know who mine is
I sent an account in dispute letter to RBS a couple of months ago but there still putting incorrect data on my credit file. Is there anything i can do? Thanks
Also they still haven't sent me all the information under the S.A.R so i've had to sens another non-compliance letter
RBS playing games over D.A.R
on before they can process my request which i did. hadn't had a reply for over 2-3 weeks so i rang my local branch and they past me onto head office and then they past me onto my branch where i opened the account for them to get in contact with the Data Protection Team as the phone number can't be given out. eventually i recieved a call back from my branch saying that they had spoke to the D.P.T and was told that they never recieved my D.A.R so i explained that they had as i still had the letter requesting my signature plus the reciept for the Postal Order and the recorded delivery reciept. so my branch told me they would ring me back the next morning where the story had changed now they tell me that my signature is different to the one they have on file so i had to go in branch and re-do it. so for arguements sake i went and did it even though i hadn't changes my signature in any way, after they recieved it they would send me my information. i rang my bank yesturday as it had been two weeks and i still didn't have my information and was told that the signature didn't match again and that i need to send another letter in with my signature on it before they send me the info.
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Originally Posted by Enron
