Posted Dpa Today To Retreive What Is Duly Mine.

He Who Dares Wins

Good luck!

finally received my statements on 7th April, but as requested they have not sent, what I asked for. I asked for my own account and my joint account, received only my account is this a delay tactic. I do not want to wait so i will start my fight back on my own account for know, unless anyone tells me different

yes delaying tactic. Go to the library forum and find the non-compliance letter. Write in it that they have failed to supply information on your joint account and that they have 7 days before you file a court claim for non-compliance.

You can continue with the sole account for now

Just to check.....you have received ALL statements not just 6 years worth??

yes 6 years worth only

I have know calculated all my charges but have a fews questions, I have read as much faq's as i can but short on time. there is a regular 3£ payment starting in 2001 is this the charge for having the account.

secondly, can you only claim the interest back when the bank have charged you and have made you go into your overdraft or can you claim it back regardless.

What is your account? Royalties accounts have monthly fees and the current Royalties monthly fee is £6. Maybe someone out there might know if the fee used to be £3?

Not sure about that fee. You will have to investigate.

As for your response about statements, whilst you are sending a letter to RBS regarding the second account you could also include a note to say they should have sent you ALL your statements not just 6 years. The DPA request is for ALL data they hold, not just 6 years worth.

This...

http://www.consumeractiongroup.co.uk/forum/general/80683-please-post-how-far.html

...will tell you how far back RBS hold so they should be giving this to you. This, again, is non-compliance.

my account is a royalties gold account which ran from feb 2001 up until 26th april 2002 I then opened a joint royalties gold account with my wife and kept the other running as a standard interest paying current account.

The charges are so varied it is difficult to understand exactly what i can claim for, so sort of stuck in limbo?

Re charges, first have a read of this I pulled together....

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/42749-bit-help-you-rbos.html

Anything you're not sure of, add it on to your claim. They can dispute it later. But try wherever possible to be fair and follow the guidelines I've written.

The basic rule is if it is for a SERVICE for example, stopping a cheque or your royalties charge, you can't claim it. If it is a penalty, direct debit unpaid, over overdraft limit et al, it can be claimed.

TAFF,

thanks for your help so far, i have been out of the country on business hence the long delay.

I have know followed your advice and would it be possible if i could mail my spread sheet to you to give me your opinion?

cheers sbc

4/5/07

I have know posted my 14 day letter to the customer ralations in edinburgh, for the grand sum of 3,120.17p thanks to this website.

I will await my response and keep ya posted.

thanks for your help taff

12th may 2007.

letter received today from the famous sandy watts advising they are looking in to my claim.

well two day's to go and not a thing i am getting a little concerned as i am banking on this cash to pay a few bills. after reading the forums it seems that some people at this stage have e-mailed or telephoned sandy watts has anyone got any advice please. much apreciated

I wouldn't advise you to rely on this money just yet. This could (only couold) end up being played out over a long period. What if it goes to court?

Yes lots are emailing, though as more and more people do, this in itself could end up being a difficult method to use. Give it a go, no harm in trying. The least they can do if you give you a status update.

thanks for that.

does anyone know the e-mail address for sandy watts.

well two day's to go and not a thing i am getting a little concerned as i am banking on this cash to pay a few bills. after reading the forums it seems that some people at this stage have e-mailed or telephoned sandy watts has anyone got any advice please. much apreciated

The impression I have got from various threads, is that shortly after emailing sandy watts, an offer is made. This certainly happened with me

thanks for that.

does anyone know the e-mail address for sandy watts.

[email protected]

thanks for that

well after receiving my reply on e-mail from mr watts explaining they have 40 days to act as per fsa, Rather than put pressure on and go to court I thought I would allow them the 40 days.

well day 39is today and what was waiting on my doormat, an offer letter.

I was claiming back 3,120.13 and have been offered 2,835.00 making this 285.13 short of what I was claiming. Know this is where I need some advice, the above offer is quite fair although the ACCOUNT i am claiming back on is over drawn, this is due to the fact that i do not use this account anymore although they are charging me 28.00 plus interest because they made me go overdrawn. Therefore my charges on this account occured since starting my claim have amassed 121.59, this makes my account overdrawn by 220.00, therefore when they put the money in my account 220.00 will be taken off the 2,835.00 plus not forgeting the 285.13.

can anyone advise what to do, should i take it?

after a couple of day's mulling over whether to accept, i have decided to take the offer and have know started on account number 2.

Thanks for everyones help.

please could you add this thread to success'es or should i carry on with my next claim.?

sbc1311vrbos charges refunded 2,835.00

i believe that charges incurred can be added to the amount- aparently you score the amount offered out and enclose you additional calculation. according to the telephone helpline. They will settle the o/draft I think.

I havent got any offer yet (day 40 on thurs!) but I have been told that they will try to direct the 7K into my o/draft and a loan that I have with them. The FOS will fight the loan on my behalf but cant on the o/d.

I hope this helps