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.
Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.
Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.
If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.
I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.
If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.
I would be happy to collect the Data from my local branch.
RBS LOGO
Business House B
PO Box 1000
Edinburgh
EH12 1HQ
Telephone: 01316261165
Facsimile: 01316263049
Strictly Private and Confidential
Dear Mr Thrower,
DATA PROTECTION ACT 1998
Thankyou for your application requesting your personal data held by the Bank.
Any information that is required to be provided to under Section 7 of the Data Protection Act wil be forwarded to you at the above address as soon as possible.
In the meantime we acknowledge reciept of the payment for £10.00 in respect of the fee.
With reference to your request concerning any 'manual intervention' to the administrative charges debited, these charges have been processed in accordance with the terms and conditions of our current agreement with you as a result of the activity on your account. In the event that you breach the terms and conditions, we will take the appropriate action, contacting customers when appropriate, or handling customer enquiries regarding their account status. When a customer has raised a concern in relation to this process, the decision will be communicated to the customer and where appropriate noted on the account.
If you have any queries relating to this matter please do not hesitate to contact me at the telephone number shown above.
Anyone got any comments on this?
Or is this just a standard letter sent out?
Today I recieved a large package with all my bank statements from 2000
My other half is going through them highlighting the charges.
What can we claim back and what can't we claim back?
That's my problem now - I don't want to start claiming stuff i'm not allowed to slow up the process!
Hmnnn seems like Joyce has re-vamped the auto reply.
Quite different to the one I got.....but that was back in July.
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Hi Percy, ive not started my claim against RBS, I am tackling others first. However in relation to what you can claim for, take a look at the FAQ section which covers this in detail. The trickiest bit I found was the interest part of the reclaim, ie the interest they will have charged you on top of your penalty charge. However if you have all the statements then you should be able to do this easy enough with the complex spreadsheet for charges which you can find in the templates section. TSB have scuppered my attempt to do this as they have only sent a list of charges and not the full statement so I cannot calculate the true interest charges. Sounds like your quids in though. good luck.
Percy v RBOS - Let battle commence!!
) letter out:-
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