DG v RBS

**Debt Girl** · 4th June 2006 12:40

I am writing a DPA request to RBS icon

for details of charges to my account over the last 5 years (I am Scotland based). I opened my Student account in 1998, in 2003 it became a Graduate account and since 2005 it has beeen a Royalties account. Despite these changes to my account type is it all counted as the one account or will they see it as 3 different accounts?

Obviously I shall be sending the £10 fee but as I do not have a cheque book what are the alternative acceptable payment methods? Would a postal order be ok? My mum has said she will write a cheque for me if I can't use any other method - will they accept a cheque signed by someone other than the person applying for the DPA?

I will be sending the letter to my branch, do they have a duty to pass it on to the correct person if they cannot fullfil my request?

Sorry if these seem like very elementary questions, I just want to make sure I do everything absolutely correctly and they have nothing to catch me out on. Thanks in advance.

**barracad** · 4th June 2006 12:44

Even though the account has changed it is still the same account. You only need to make one request.

A crossed postal order will be fine to pay for the request.

You can send it to your local branch - just make it clear it is a DPA request. Alternatively if you look at the posts at the top of this forum there are some contact details of addresses to send your request to.

**Debt Girl** · 4th June 2006 12:51

Thanks so much for the swift response!

I will update when I receive a response from RBS icon

.

**Debt Girl** · 15th June 2006 10:51

Yesterday I received an envelope with all my old statements inside but no letter detailing information on manual intervention. It looks like they have charged me £5 for the statements and credited my account with the remaining £5 from the cheque I sent. Had a quick look through the statements and I think I'll be claiming back at least £1600

I'm really shocked, I thought it might be about £500!

**Gayle** · 15th June 2006 20:34

Hey there debt girl, just joined the site myself and will be taking my initial letter into the bank tomorrow. You asked all the questions I wanted to. I'm so glad I found your thread.
Good luck with everything

**Debt Girl** · 21st June 2006 13:30

Originally Posted by Gayle

Hey there debt girl, just joined the site myself and will be taking my initial letter into the bank tomorrow. You asked all the questions I wanted to. I'm so glad I found your thread.
Good luck with everything

Thanks for the good wishes! I hope everything goes well for you too

**Debt Girl** · 21st June 2006 13:47

Ok, I thought I'd managed to work all this out but I'm having problems - as I've mentioned in another post I have a real problem with numbers and the more I look at my statements the less sense they make!

I know that I can claim for:
Unarranged overdraft icon

maintenance charge
card misuse
Unpaid DD and CHQ

I know I can not claim the £6 account service charge but what about when it is incorporated into the unarranged overdraft charge? Do I deduct £6 from the charge or claim the whole amount?

I'm using the spreadsheet to calculate interest so do I list every single interest charge that appears on the statements or just the ones that appear after charges?

willowb · 21st June 2006 14:38

Hi there debt girl

I didn't deduct the standard charge from the unofficial overdraft icon

fee. I figured that they should have done this in the first place! but I'd wait for a more informed response.

**Debt Girl** · 21st June 2006 17:50

Thanks for the info willowb

I've put everything in the spreadsheet and the penalty charges come to £2125 and the interest icon

on penalties is £220.69 - not sure if it's quite right as is sounds an awful lot!? Anyway my claim is definitely well over the £750 limit in Scotland so if I'm going to sever the claim do I send the prelim letter for the full amount or do I just ask them for £750 initially? I've tried searching for info on this but can't find a clear answer.

**Debt Girl** · 13th July 2006 17:31

Update: Have had no response at all to the Prelim letter so lba icon

has been posted with revised schedule of charges due to another charge taken in the last 2 weeks.

**imamackay** · 13th July 2006 21:12

Originally Posted by Debt Girl

Thanks for the info willowb

I've put everything in the spreadsheet and the penalty charges come to £2125 and the interest icon

on penalties is £220.69 - not sure if it's quite right as is sounds an awful lot!? Anyway my claim is definitely well over the £750 limit in Scotland so if I'm going to sever the claim do I send the prelim letter for the full amount or do I just ask them for £750 initially? I've tried searching for info on this but can't find a clear answer.

What is this £750 limit? I haven't heard of this. I am about to send of my prelim letter for £848. Any advice

Imamackay

willowb · 13th July 2006 21:20

Originally Posted by imamackay

What is this £750 limit? I haven't heard of this. I am about to send of my prelim letter for £848. Any advice

Imamackay

Hiya

There are different rules and regs for Scotland as far as I can make out. If you read the FAQs you'll find everything you need to know.

debt girl, I only asked for the charges back in my lba icon

, thinking that if they coughed up then I'd be happy with that (rightly or wrongly). since they haven't though!!! I have submitted a claim for charges (inc. referral, od and penalties) interest on those charges (use the spreadsheet or work out the formula yourself....0.00022 x amount x number of days since charge) plus the interest charged on the overdraft icon

and any interest on the interest!!!!

:o

Well....in for a penny!!! I'll let you know, but I've learned not to be NICE!

Good luck girl

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