Thread: RBS S.A.R. sent today - questions need answering

sent off a S.A.R - (Subject access request) today, but I need to know if I'll be able to claim back charges from 2001, as this was when LOTS of charges were applied to my current account/credit cards/personal loans.

What do you think my chances are?

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normally just the 1st 6 years but no harm in trying

Good luck - I'm just starting out on this too but you'll find loads of support and advice on this site.

Jooles

Push them on the absence of Manual Intervention sheets if they are not enclosed when you receive your package from RBS. Write stating that you don't hold the SAR to be fulfilled if this is the case (which is likely).

Then complain to the ICO, if they haven't complied after the 40 day period:
Information Commissioner's Office - ICO

These can demostrate whether account charges made are automated, or have had human action.

The majority of processes relating to overdrafts, over the limit and late payment charges are all automated as industry standard. As such a charge made as a large IT system is going to cost alot less than those where human involvement takes part.

thanks for the replies and support, stupid question but once I get my "package" how do I actually instigate a claim? Also is it worth me trying to claim charges etc from 2001 or is it too long ago? I ask because this is when the bulk of the charges were applied

OK, when you get your package you should make a note of all your penalty charges including when they were deducted from your account.

Then make a spreadsheet listing them all, including a column for 8% statutory interest if your claim proceeds to court.

There is a template in the templates section, failling that PM me and i'll do one for you.

With regards to charges that are older than 6 years, there are arguements which some people have effectively used to claim these - think there was a thread in the General column.

Next is to approach your bank with a preliminary letter, followed 14 days later by a letter before action (again templates in the templates section).

Then if you have no joy, file an N1 claim form at your county court including the correct fee - theres a guide to litigation here - but probably best to look into that once you consider submitting your N1 form.