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.
Sorry if this is a really stupid question or if it has been asked elsewhere but I missed it.
I live in England and banked with RBoS through their Liverpool group of branches but the addresses I have for sending my SAR are in Edinburgh. If I am dealing with RBoS in scotland does Scottish law apply?
I have previously used this site successfully for a small claim against Abbey and now want to go through my banking history with RBoS. I just need to know if the proceedure is exactly the same.
You can deal with any "branch" in the rbos group. I started off with my local branch for the S.A.R - (Subject access request) and initial contact. Now it has escalated to Scotland, but when I claim it will be against their London branch (litigation section)
carry on with your dealings with Edinburgh (it all gets sent there anyway) but file your claim in england.
Dave
** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **
see you stand like greyhounds in the slips,
Straining upon the start. The game's afoot:
Follow your spirit; and, upon this charge
Cry 'God for Harry! England and Saint George!'
If you think I have helped, informed, or amused you do the clickey scaley thing !!
Please can people give me their opinions. Perhaps I am being greedy?
I used to be an RBS customer. Between 1997 and 2002 I had a savings account, a royalties account and a graduate loan account. After graduating I got into financial trouble for a time and missed some repayments on my loan. I incurred charges but don't know how many/ how much. I finally cleared my debts and closed my account(s) in disgust.
I would now like to reclaim. My problem is I don't seem to have kept my old account stationery or statements and have moved house so many times I don't even know where to look. I suspect I may have thrown them out.
I made my SAR but was told without full sort codes and account numbers they can't help. I have one account number (which I think was the current account) and imagine the others must be linked. But have been told by my old branch (Liverpool) that they don't keep old info on the system and they can't help.
Without my account numbers I can't request old statements or prepare my claim.
Has this happened to anyone else?
How do I proceed?
Under FOI and Data Protection Act laws do RBS have a duty to give me this info?
Should I give up?
Do you have any old BANK statements that show the payments to RBS? They have an acct ref on them.
I know as I have just today tried sorting on eof my own problems with RBS out - Ihavent had a statement for 3 years as they never got the change of address form when I moved. Now sorting it out (I had not noticed for some reason, even though its been coming out of the bank OK).
Im having them send me the statement to the new address once I have submitted a letter stating exactly hwt has occurred.
Is the procedure any different for RBoS?
are in Edinburgh. If I am dealing with RBoS in scotland does Scottish law apply?
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If you think I have helped, informed, or amused you do the clickey scaley thing !! 
