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my golden oldie Mum vs Nat (claiming more the 6 years)
Hi pips, am helping my very old mother claim and need a little bit of advice please. She opened her account in 1980 and it was closed in 1992. Sent a S.A.R to her local branch and got a reply from Edinburgh office claiming that they only keep records for 6 years and unfortunatly do not have any so they cannot help at this time !, I am assuming that they should at least hae records going back to 1992 when computer based records were first used !
Do anyone have a good template response that we can ammend in reply, or should we just complain directly to the info commissioner (who are very busy at this time I suspect !)
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
roboraver,
They do have records back to 1992. They changed their system in 2002 when RBS bought Nat West. It is very difficult going back to the nineties and the eighties i think you will have little to no chance. Have a look at this thread. Good luck.http://www.consumeractiongroup.co.uk...nt-number.html
A person is only as big as the dream they dare to live.
Good things come to he who waits
Its your money taken unlawfully from your account and you have a legal right to claim it back.
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
They mentioned in the letter that there 'group records management policy allows for retention of 6 years of personal data to be held and this is inline with DPA guidelines. We do not store data beyond this period. As the account was closed more then 6 years ago we are unable to help'
Now the account was only closed in 2002 so I do not understand why they do not still have the data ?
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
Parkvale is right - we know they have data at least as far back as 1992. Somewhere there is a post (by NATTIE) that gives the name of the system where the data is held - but can't lay my hands on it at present. Anyone else rememeber?
Steven
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Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site.
Steven
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My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
Never thought of looking there - Thanks Parkvale
Steven
If this post is helpful, please click the scales
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site.
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
Thank you for the replies, they have her account number and sort code, they are actually saying that they do not keep data on closed accounts that are over 6 years old (Her account was closed on 2002 !!), does anyone know what the group records management policy is ? Should I send another S.A.R for her mentioning that they should have records going back to 1992 ?
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
You don't need to send another S.A.R - (Subject access request). I would write and tell them that they definitely have data back to 1992, and the link in Parkvale's post above gives lots of info you can use to tell them exactly where they can find the data too!
Steven
If this post is helpful, please click the scales
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site.
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
I recently received all my data records from Natwest going back to 1992 !
Also received statements covering 1994-1999 ! Have asked NatWest for
missing statements for 1992-1994 !
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
OK this is really making me MAD !!, they are blatantly refusing to send the statements mentioning that the account was closed in 2001 and all records were destroyed ! Is the next step the financial O ?
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
Have a look over in HBOS. Particularly the Dusary thread.
Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.
Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
OK spoke to info commisioner they said we have to wait 60 days before they will take action ! what I cant understand is the banks know they will eventually have to pay up, so isnt it in there best interest to resolve the cases sooner to save money ?
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
Originally Posted by roboraver
OK spoke to info commisioner they said we have to wait 60 days before they will take action ! what I cant understand is the banks know they will eventually have to pay up, so isnt it in there best interest to resolve the cases sooner to save money ?
Banks. Save money. Don't be daft!
Steven
If this post is helpful, please click the scales
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
Thanks Steven, have taken my blong wig off now, looks like I will have to go into a local branch with old account info and refuse to leave until statements are in my hand !
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
I think you can claim all of those with the possible exception of the 'account fee'. I don't know what this is. However, if it is a personal account and your mum has never had 'advantage gold' or similar it is likely that this is an unlawful charge.
Charges you cannot claim back are
fees for premium services (like AG)
charges for paying DDs etc (usually only on business accounts)
charges for such things as banker drafts and foreign exchange
If it's none of these you canalmost certainly reclaim it.
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
Thank you, so just to be clear on the charges, looking at the statements her account was a current account and then was changed to a advantage gold account. So during the period of her current account there is a 'account fee of 5 charge' and interest on this charge, can this also be reclaimed ?
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
If you are sure it's not an AG fee, then I'm pretty sure it can be reclaimed.
On AG, I would advise everyone to look what benefit you get for your (now) £12/month. Natwest keep on advising me to have AG and I keep on refusing - it would be of absolutley no benefit to me, just a waste of £144/year. If it is of no value to you, then cancel it. Use the £144 for something better than buying G&Ts for RBOS shareholders. (just MHO )
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Re: my golden oldie Mum vs Nat (claiming more the 6 years)
Thank you ! but I have another more pressing question. Having looked at the statements NW say that they closed the account in Jan 01 (It says on the statements account closed) BUT my mother insists that it was closed in Dec 01 (As most of the major charges were during this period).
The thing is she does have proof of it (A letter from the Financial Ombudsman service stating that the account was closed in Dec) now if they have failed to send the statements from Jan 01 to Dec 01 should she contact the information commisioner to make a complaint or NW ?
my golden oldie Mum vs Nat (claiming more the 6 years)
and unfortunatly do not have any so they cannot help at this time !, I am assuming that they should at least hae records going back to 1992 when computer based records were first used !
Reply With Quote
what I cant understand is the banks know they will eventually have to pay up, so isnt it in there best 
Originally Posted by roboraver
Thanks Steven, have taken my blong wig off now, looks like I will have to go into a local branch with old account info and refuse to leave until statements are in my hand !
)