Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder PinotGrigio41 Novitiate

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    Default NW SAR Request Advice please ?

    I am about to send an SARicon off to Nat West. I want to request the details of two current accounts ( one they have closed) and one currently still open. Both accounts either still have loans associated to them and / or have done in the past. I am absolutely certain that at some point in the past few years we have paid PPIicon on at least one of these loans. There have also been horrendous bank charges on both accounts of which I am planning to make a stab at reclaiming under the Hardship Criteria ( longshot these days from what Ive read but I am going to give it a try ).

    My question is when sending in the SARicon should I do a seperate one for each account enc 10 with each or should I send just one letter asking for the info on both accounts / loans etc.

    Thanks in advance for your help .


  2. #2
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    Default Re: NW SAR Request Advice please ?

    Hi yes in my experience they will expect two
    seperate requests send in seperate envelopes
    as well.

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  3. #3
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    Default Re: NW SAR Request Advice please ?

    Is that correct, Brig. I understood that it was 10.00 for ALL information regarding your financial history with the bank/institution ?


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  4. #4
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    Default Re: NW SAR Request Advice please ?

    It does seem to vary between
    financial institutions if a client
    has more than on account,
    as far as I know there is no
    guidance on this it seems to be
    pot luck if have as a last resort
    to do a SARicon I phone the organisation
    compliance department for clarification,
    even the there are hiccups and different
    answers.

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  5. #5
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    Default Re: NW SAR Request Advice please ?

    A thought this may be occurring as
    habit as most requests are on a specific single account.

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  6. #6
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    Default Re: NW SAR Request Advice please ?

    How can I find out what is held about me?

    If you want to know if a person or organisation holds information about you and what information they hold, you will need to write to that person or organisation and make a Subject access requesticon. You should ask for a copy of all the information they hold about you. If you are not sure who to write to in an organisation, address your letter to the company secretary.


    The above paragraph from the ICOicon website mentions ALL information


    Source is here...

    http://www.ico.gov.uk/for_the_public...cess_info.aspx

    Regards

    ims

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  7. #7
    Basic Account Holder PinotGrigio41 Novitiate

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    Default Re: NW SAR Request Advice please ?

    Thankyou everyone for your replies. I ahve looekd at the link you mentioned ims, so if I am reading it correctly I could jsut send them one SARicon request enc 10 as long as I detail exactly allt he accounts, loans, PPIicon etc that I am requesting information about ?


  8. #8
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    Default Re: NW SAR Request Advice please ?

    Hi

    The templateicon letter in the CAG library says ALL information. Don't limit it to specific accounts. You want ALL and ANY information a company holds on you. One SARicon, One Tenner.

    ims

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    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
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  9. #9
    Basic Account Holder PinotGrigio41 Novitiate

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    Default Re: NW SAR Request Advice please ?

    Great, I will be on the case tomorrow ! Thanks again.


  10. #10
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    Default Re: NW SAR Request Advice please ?

    PG

    Natwesticon have a habit of delaying compliance for a variety of reasons....... if any of the accounts you hold with them are joint and several, I'd be inclined to include their details at the footer of your request authorising data release.

    Unless things have changed recently you'll get the usual response that you may receive data from a variety of departments within the 40 days. I doubt you'll get much [if anything] within the 40 days tbh, oh and don't get sidetracked into corresponding with or chasing individual departments, stick to the Bishopsgate address for any chasers.

    Gez


  11. #11
    Basic Account Holder PinotGrigio41 Novitiate

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    Default Re: NW SAR Request Advice please ?

    Thanks Gez, Do you happen to know the address for Bishopsgate , I have come up with a few different ones, 16 , 21 for example ?


  12. #12
    Basic Account Holder PinotGrigio41 Novitiate

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    Default Re: NW SAR Request Advice please ?

    Sorry me again, who do I make the cheque out to for the SARicon, National Westminster Bankicon, RBSicon ??


  13. #13
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    Default Re: NW SAR Request Advice please ?

    Quote Originally Posted by PinotGrigio41 View Post
    Sorry me again, who do I make the cheque out to for the SARicon, National Westminster Bankicon, RBSicon ??
    This is going to sound obvious but

    If you are sending a SAR for a Nat West account...make it out to National Westminster Bank

    If you are sending a SAR for an RBS account make it out to Royal Bank of Scotlandicon

    Personally I would use a postal order and write on the back of it that the payment is ONLY to be used for the Subject access requesticon and not for any other purpose.

    ims

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    1. Single Premium PPI Q&A Read Here
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    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here



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  14. #14
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    Default Re: NW SAR Request Advice please ?

    Agreed PO only.

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  15. #15
    Basic Account Holder PinotGrigio41 Novitiate

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    Default Re: NW SAR Request Advice please ?

    Ok thanks !! Maybe it was a silly question, I thought that Natwesticon were owned by Royal Bank of Scotlandicon, so I wasnt sure.


  16. #16
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    Default Re: NW SAR Request Advice please ?

    Quote Originally Posted by PinotGrigio41 View Post
    Ok thanks !! Maybe it was a silly question, I thought that Natwesticon were owned by Royal Bank of Scotlandicon, so I wasnt sure.
    Hi

    No probs....Nat West still retain their identity and trading style even though they are part of RBSicon group.

    ims



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    1. Single Premium PPI Q&A Read Here
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    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here



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  17. #17
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    Default Re: NW SAR Request Advice please ?

    Quote Originally Posted by PinotGrigio41 View Post
    Thanks Gez, Do you happen to know the address for Bishopsgate , I have come up with a few different ones, 16 , 21 for example ?
    Hi PG

    I always go with the ICOicon register........... saves any arguments about delays at a later date.

    Gez

    Data Protection Register - Entry Details










    Registration Number: Z4936258
    Date Registered: 06 October 2000 Registration Expires: 05 October 2012

    Data Controller: NATIONAL WESTMINSTER BANK PLC

    Address:
    135 BISHOPSGATE
    LONDON
    EC2M 3UR
    Other Names:
    STREAMLINE
    Natwesticon
    STREAMLINE INTERNATIONAL



  18. #18
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    Default Re: NW SAR Request Advice please ?

    Thankyou, all sent off today .


  19. #19
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    Default Re: NW SAR Request Advice please ?

    They have 40 days from receipt to comply.. so check your tracking number on the RM site in a couple of days. Plus.. if you have sent the fee by way of a postal order, you can check when that is cashed by telephoning

    01246 542091

    You will need the PO receipt you were given when you purchased the postal order.. they will want the ID number in order to check.

    I would wait until about 30 days have gone by before checking to see if the PO has been cashed


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    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read

    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  20. #20
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    Default Re: NW SAR Request Advice please ?

    Both myself and Partner have submitted SARicon to Nat west regarding our current accounts .

    My partner has received confirmation of his request but I have heard nothing yet but as there is a complication regarding a PPIicon with RBSicon being uphed on a past loan I had, it could possibly be the answer?

    Yesterday my partner had rather an odd letter from Nat West regular payments team at Chatham claiming his request for direct debits be cancelled for two transactions can not be actioned until he contacts them by phone.
    The mystery is that why should he ring especially as both these accounts were closed years !! ago and are no longer relevant and the fact is that we have no dealings with Nat West now that they foreclosed on these accounts eighteen months ago and we now bank elsewhere .

    Nat West is so incompetent and I am not surprised they are one of the top banks with high level of complaints

    I am not confident that the request for SARicon will be dealt with in a straightforward manner by them but I will plod on regardless.



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