Thread: RBS, defaults, DCA's and SAR - answers please?

OK guys, here we go.

Made redundant from work in october 2000, long story short all my creditors went default before I got back into work. RBS particularly harsh, really dragged their heels concerning my PPI claim etc. When my personal loan and royalties account overfdraft went default, I got battered for charges. Been paying them back since may 2001, never missed a payment, always made the increases when asked. Over the years I've received letters from their CMS in telford and another company (whose name escapes me but I will dig it out) who appear to be a DCA acting on their behalf. Payments always made on time into my account at my local branch, using my account number and sort code. 2 months ago CMS telford wrote to me with instruction to now pay into a different account number and sort code. Have recently received another letter from CMS telford asking for an increase in payments that I just cannot meet. Not particularly scared about this as they simply cannot have what I haven't got.

Question is, can I S.A.R - (Subject access request) them and claim back anything?

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HI
First step is as you say make a SAR and see what information they are holding specifcally request all the details of your account opening documentation and this is what people do not realise they may be able to hide behaind the CCA and not provide a copy of the executed credit agreement BUT under the Data Protection Act they are obliged to supply you with a copy of that very document.

sparkie

Originally Posted by Sparkie1723

HI
specifcally request all the details of your account opening documentation and this is what people do not realise they may be able to hide behaind the CCA and not provide a copy of the executed credit agreement BUT under the Data Protection Act they are obliged to supply you with a copy of that very document.

sparkie

thanks for the response, please humour me as I'm a newbie!!

When I request this information, what exactly am I asking for and how will it be useful to me? what sort of delay tactics can I expect and how do I deal with them?

HI There is a template letter in the library which gives you all that info have a look.
The delay tactic they use in order not to comply with the 40 day limit is that they will say you have not supplied them with enough information so make it clear and supply them with enough info that they would require to locate all the data held on you.
sparkie

CMS Telford need investigating.

they are more than they make out to be.

this is worth watching, here is part 4 of a set of films dedicated to exposing the (RBS) banks behaviour and their involvement with CMS Telford.

YouTube - ROYAL Bank of Scotland CLIP 4