royal bank of scotland ppi claim **WON**

**ronvin** · 7th November 2008 19:37

hello all

just been persuaded to start a claim for PPI icon

on my fellas RBS icon

credit cards
so i'm going to send my sars and ask for my credit agreement.
will keep you all posted and no doubt be asking for advise

Similar Threads:

**hellhasnofury** · 7th November 2008 19:46

Originally Posted by ronvin

hello all

just been persuaded to start a claim for PPI icon

on my fellas RBS icon

credit cards
so i'm going to send my sars and ask for my credit agreement.
will keep you all posted and no doubt be asking for advise

Hello Ronvin

Welcome to the ppi forum, and don't worry about getting advice, there are lots of caggers willing to help:grin:

**alanalana** · 7th November 2008 22:33

Hello Ronvin,

Welcome to the PPI icon

forum, and don't worry about getting advice, there are lots of caggers willing to help:grin:

And you can include me in that where RBS icon

are concerned

Just ask and you will get help from a great bunch of people

aa

**ronvin** · 27th November 2008 18:25

Well sent of my ca request for both credit cards on 09/11/08 got my reply yesterday.

"Your request for documents contains some misconceptions about your entitlement to information in a specified form and our obligations to supply that information.
As you are aware this account has been repaid in full, and therefore, there is no active agreement between RBS icon

credit cards and you with regards to the account.
The consumer credit act is for active agreements and therefore we are under no obligation to provide you with the requested documents as your obligations to us under the agreement have ended and i have therefore returned your £1 cheque."

I got one of these for both credit cards

They have also told me i need to supply £10 for each account a sars requested from is this right i have been informed its one for all info they have on you no matter how many accounts ?

**alanalana** · 27th November 2008 20:37

Hello ronvin,

Well sent of my ca request for both credit cards on 09/11/08 got my reply yesterday.

"Your request for documents contains some misconceptions about your entitlement to information in a specified form and our obligations to supply that information.
As you are aware this account has been repaid in full, and therefore, there is no active agreement between RBS icon

credit cards and you with regards to the account.
The consumer credit act is for active agreements and therefore we are under no obligation to provide you with the requested documents as your obligations to us under the agreement have ended and i have therefore returned your £1 cheque."

I got one of these for both credit cards Ok they are correct the CA request is for running accounts. It's nice you got your £1.00 back. I sent off for five. 1 Running account and 4 closed accounts I sent £5.00 and they kept the lot. How greedy is that

I will be claiming £4.00 sometime soon.

They have also told me i need to supply £10 for each account a sars requested from is this right i have been informed its one for all info they have on you no matter how many accounts ? It is not one SAR for each account unless the loans/accounts were in different names. So if the accounts were in one name then only 1 SAR and only 1 fee of £10.00 is required. You must though be specific in all the information you require.
Ask for everything that concerns you as a Data Subject in whatever format they hold, Electronic, Paper, CD, Microfische, Tape recordings and do not let them quote back to you that the information must be in a relevant filing system this is not true,

Please see this.....................

For legal issues relating to Data Protection check this link...Lots of very useful info in understandable terms.
Data Protection | OUT-LAW.COM

it includes the following and much much more
Negotiating with the Data Subject (This should be important to Banks)

At this stage, it is advisable to negotiate with the data subject. The location information the data subject will have already given will give a clue as to what it is the data subject really wants to have information about. The benefit of the Data Protection Act 1998 is that it allows data controllers to negotiate with data subjects to get the data subject to specify the exact information he or she wishes to receive.

The data controller is entitled to ask for a fee of £10 and two further pieces of information. Firstly, the data controller must satisfy himself that the person making the request is, in fact, the data subject. The use of a Subject access request icon

form is advised, since the greatest breach of a data controller's security is for the data controller to satisfy a Subject access request icon

made by a person impersonating the data subject. The use of the form goes towards proving that the data controller has adequate identification and verification procedures in place. Secondly, the data controller is entitled to ask the data subject for further information to enable the data controller to locate the information which that person seeks.

When the last of these three pieces of information has been obtained, the forty day period starts to run. It is advisable to put procedures in place to ensure that the receipt of the request and the further information is correctly dated so that an organisation knows how long it has to satisfy the subject access request.

However, if the data subject is adamant that he or she wishes to receive a copy of everything the data controller holds on him or her, then there is very little the data controller can do about this, and a completely exhaustive search of the computerised and manually held data in the organisation will be required. (nice to know what you see in the Act is what you get)

Hope this helps you on the way to getting your cash back

aa

**ronvin** · 14th February 2009 21:44

After the ca and sars response from the RBS icon

i received a letter from them apologising for their mistake about the £10 fee for each account !!! it is £10 for all info on you (it is true they take you for every penny, but don't be fooled).
They also told me that they would not be able to supply a copy of one of my credit agreements as it was not on file (whatever!!!!!) It has since appeared with the other one but neither have boxes ticked and no signature icon

for PPI

(suprise suprise). So they have been appling ppi to both of my credit cards without me signing for it, i feel a request for payment coming.

**ronvin** · 27th February 2009 09:40

Request for repayment of PPI icon

sent yesterday recorded delivery, lets see what happens !!!

**samg22** · 28th March 2009 18:42

anyone please help, my PPI icon

claim has been declined by RBS icon

( STILL WAITING FOR SAR icon

) I have had 3 loans where they said ppi had to be took out to secure the finance, they deny mis selling but have offered a goodwill gesture icon

payment of 750 pounds, do i refuse this , the thing is they owe me thousands

**alanalana** · 28th March 2009 19:01

hello samg,

can you please start you own thread in the forum give it a title and away we go. That way there is no conflict between different threads and all can consentrate on your own issues.

Thread Starter

**ronvin** · 9th April 2009 14:57

Received a lovely letter form the RBS icon

today re my PPI icon

claim. They decided that i received enough information on the policy, to allow me to make an informed decision and stated that the policy was applied due to a telemarketing call. I received no tapes.

They did however offer me the amount i asked for, as a goodwill gesture icon

of course.

.

Still waiting to hear about my other cc with the RBS and the ppi on that.

**samg22** · 9th April 2009 15:18

Thats great news,,still only offering me goodwill payment icon

of 750,, cant get any where with them some Mr Noone is dealing with my claim...but well done you

**ronvin** · 9th April 2009 15:34

Thanks its a Mark Williams whos dealing with mine. This one is only for a small amount the one i'm waiting for is a bit bigger.

No interest icon

has been offered though, i'm thinking what my next move should be? Got a few ideas not sure which one i'll go with yet though.

Good luck to you with your claim, samg hope you get what your after

Will keep you posted

**samg22** · 9th April 2009 15:44

you keep me posted,,I am on the verge of giving up but my loans were for 5ooo,10,00 and 15,000 and its been since nov 2008 and still getting more letters asking for time,,,,glad you one you take them all the way

**ronvin** · 9th April 2009 16:04

Don't give up. The RBS icon

are known for being stubbern. Keep going, have you reported them to the financial services authority? or issued court proceedings ?

I didn't sign or tick the any of the boxes on my credit agreement, they say i agreed on taped (they didn't send me one). On this cc statements there were two or three random PPI icon

payments hidden in with other stuff.
What they have done is wrong, and i'm sure they've done the same if not worse to others.

They drag their heels hoping you'll give up. Never give in its what they want.

**samg22** · 9th April 2009 17:07

Yes I have but the problem I got is!!! they told me I could not get the loans without PPI,, I have later found out you cant make PPI conditional for the loan, they did not tell me I had a single premium policy infact they did not explain anything,,it was took out via direct line by phone,, all RBS icon

defence is you signed the agreement so were made aware of the policys terms and conditions icon

,,I have asked them for the taped telephone recording icon

they say they havnt got it, wont give me full information in my SAR, I have just wrote to fos icon

and refused their goodwill gesture payment of 750 on the one loan,, the other they have offered a goodwill gesture payment but will have to give the amount at a later date,,,uh
You keep fighting them and keep me informed I think Mr Noone thinks he can fob me because I am a woman LOL

**ronvin** · 12th April 2009 13:07

Well well well. The RBS icon

have offered me a refund on my PPI claim. As a gesture of good will of course.

. I will accept it as a gesture of good will icon

, as part settlement as their offer is without any interest icon

whatsoever.

They have said that they can't prove i was given enough info to make an informed desicion about ppi, on this credit card.

Didn't think i'd get anywhere with the RBS, when i read other threads not much luck was had. Just goes to show, i was wrong.

Good luck to all who have ongoing claims, i'm sure you'll get there in the end.

**alanalana** · 12th April 2009 21:32

Well well well. The RBS icon

have offered me a refund on my PPI claim. As a gesture of good will of course.

. I will accept it as a gesture of good will icon

, as part settlement as their offer is without any interest icon

whatsoever.

They have said that they can't prove i was given enough info to make an informed desicion about ppi, on this credit card.

Didn't think i'd get anywhere with the RBS, when i read other threads not much luck was had. Just goes to show, i was wrong.

Good luck to all who have ongoing claims, i'm sure you'll get there in the end.

You can always tell them to stick it and complain to the fos icon

it worked for me they RBS improved the offer from £2.6k to £3.8k

Job done

aa

**ronvin** · 13th April 2009 16:10

Thanks aa will do

**alanalana** · 13th April 2009 16:58

If you do not get the interest icon

the fos

cannot take any away either. You must make sure and send all the copies of the goodwill offer to FOS with you complaint it will take longer but if you can wait you should get more

aa

**samg22** · 13th April 2009 17:18

thanks alanalana
I would not know what to do if it wasnt for this site,,i feel like i am fighting and losing battle with RBS icon

,,am I able to except the 750 goodwill gesture icon

if I put in writing I except it as part payment,,they say if I except theit offer it will be without fault on their part

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