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I thought while i'm going for PPI on my RBS credit cards might as well do the loan aswell, but as i can't find any info except the loan number i've sent off a sars and a ca request to get all the info.
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
I thought while i'm going for PPI on my RBS credit cards might as well do the loan aswell, but as i can't find any info except the loan number i've sent off a sars and a ca request to get all the info.
will keep you posted !!!
Hello Ronvin,
Wait and see what info they give you. the rbs are not renowned for parting with information easily and do like to give you the runaround It will be interesting to see if they comply with a copy of your credit agreements
When you get the info, if you need help, just shout
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
You have made the right start send SAR and CA request.
RBS will no doubt make life as difficult as they can. However I believe they have made internal decisions to try and settle early rather than face Court and/or fos every complaint the FOS deal with costs RBS £450.
Things seem to point that way as they are making goodwill gestures left right and centre without admission of liability probably due to the recent fine against Alliance and Leicester by the FSA of £7m.
They I believe would rather pay out lots of little payments which will probably never reach £7m rather than a huge fine and it could be bigger than £7m next time.
If you are not happy with the response to your CA request within 14 days or the SAR within 40 days then bang in a complaint to the ICO, FOS, FSA, OFT and anyone else that comes to mind.
Do not be put off by the length of this thread and if you can use any information from it to your own advantage please help yourself.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
The fools !!! They wrote back to me saying they couldn't find a credit card with the number i sent. Which shows they don't read the letters you send as i clearly stated the loan agreement number in bold on the letter. Another letter sent giving them 14 days to come up with the goods.
MY WINS PENALTY CHARGES
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
The fools !!! They wrote back to me saying they couldn't find a credit card with the number i sent. Which shows they don't read the letters you send as i clearly stated the loan agreement number in bold on the letter. Another letter sent giving them 14 days to come up with the goods.
Keep them on their toes as you say fools it is quite an appropriate word to use. Do not let them fob you off. Make them work for their money while some of them still have a job
You decide the timing. I have just received a special paid envelope yesterday with yet more information re my Subject access request dated 7 Jan 2008. The Information Commissioners Office has obviously been less than pleased with them after my complaint about their failure to comply with the Data Protection Act 1998.
So I now have a further mound of paperwork to sift through even though they settled payment in December 2008.
I wonder if I can perhaps submit more claims as a result
keep up with the fight
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
still received nothing from the RBS about the loan?
I'll send them a breach of the data protection act and see how i go from there
MY WINS PENALTY CHARGES
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
still received nothing from the RBS about the loan?
I'll send them a breach of the data protection act and see how i go from there
If you still have problems with RBS use the ICO route again as with your other thread. Again if they have taken the money £10 SAR statutory fee and not supplied the data hit them with a very serious formal complain via the ICO but also let the FSA know what is going on. The FSA are about to grow second teeth after the recent condemnation of them not regulating as well as they should have done so a complaint to them should also make RBS take note.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Thanks aa will do, still received nothing from the RBS.
Their 7 days is well up, after allowing them time off over the bank hol.
MY WINS PENALTY CHARGES
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
Received a leter from the lovely RBS regarding my complaint.
They asked me for dates and times of phone calls (can you believe it)
I've sent them a response i think you can guess what it says i've already complained to the ico about there non compliance to my sars
MY WINS PENALTY CHARGES
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
Received a leter from the lovely RBS regarding my complaint.
They asked me for dates and times of phone calls (can you believe it)
I've sent them a response i think you can guess what it says i've already complained to the Information Commissioners Office about there non compliance to my sars
Yes been there done that got the T shirt but apparantly they can ask this.
My response was send tapes or transcripts of all calls.
That way you do not forget a call that might be important.
The response I got was we do not record all telephone calls. I never did get tapes or transcripts of any calls and my guess was they would be too incriminating against RBS.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
BARCLAYS SETTLED IN FULL DAYS BEFORE COURT HALIFAX SETTLED IN FULL AFTER LBA RBS SETTLED IN FULL AFTER PRELIM GE MONEY (RIVER ISLAND CARD) IN FULL AFTER REQUEST FOR REPAYMENT IKANO (OASIS CARD) IN FULL AFTER A LONG HARD SLOG NO COURT CLAIM ISSUED
MY WINS PAYMENT PROTECTION INSURANCE
ALLIANCE AND LEICESTER IN FULL + 8% INTEREST RBS credit cards x2 in full without any interest
CURRENT CLAIMS
RBS AGAIN PENALTY CHARGES (confirmed hardship case) GE MONEY PPI (breach of sars sent) RBS CREDIT CARDS PENALTY CHARGES(declined) HALIFAX MORTGAGE PROTECTION PLAN (declined) HALIFAX CREDIT CARD CHARGES(no reply)
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another rbs loan
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Originally Posted by ronvin
It will be interesting to see if they comply with a copy of your credit agreements
it is quite an appropriate word to use. Do not let them fob you off. Make them work for their money while some of them still have a job
