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.
Today I got a response to my SAR from RBS Credit Cards. Well I say a response it is a one page excel spreadsheet just showing a list of monthly charges from 2001 to 2006.
Apart from the info being wrong (the total for charges comes to £153 and I know the total should be well over £1K) they are obviously taking the p*ss as I asked them for a full Breakdown of transactions and charges and any instances of manual intervention.
At the end of the day they have not complied with your request.
So send them the non compliance letter that can be found in the templates section and request that they send you the last 6 years statements as originally requested.
Well I was going to send them the non compliance letter anyway (although I'm not asking for the last 6 years I'm asking for the history of the account - to 1999).
I'm not too bothered about their non compliance as they have "mislaid" the copy of the credit agreement on this account.
Just really wondered if anyone had had anything similar from RBS.
Well I was going to send them the non compliance letter anyway (although I'm not asking for the last 6 years I'm asking for the history of the account - to 1999).
I'm not too bothered about their non compliance as they have "mislaid" the copy of the credit agreement on this account.
Just really wondered if anyone had had anything similar from RBS.
If they havent got a copy of the credit agreement then they cant chase you for payment surely?
I was told that if you ask for the signed agreement and they cant produce it then you can walk away from any credit agreement.
I think you'd really need a brass neck to do it but I suppose its possibly?
27th April - Requested Statements 13th May - Received Statements 15th May - Preliminary request for £4780 sent. 16th May - Royal Mail confirm Letter received. 23rd May - Received Letter considering claim. :grin: 30th May - Letter Before Action sent. 10th July - Times Up!! FOS claim going in. 16th July - Measly 30% of claim offered as goodwill 17th July - Rejected offer letter sent 25th July - Acknowledgement of Reject Letter received 26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go. Never even felt it happen.
Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk...i-dummies.html Me v BofS: Charges: £13,048.10#2a/c Statements from 08/01/01 received. Charges:£5,156.39Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.2306/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00
£11,136.33 paid back thus far.
New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON! Don't forget - when you win - a donation to CAG would be welcome! If anything I've said has remotely been of any assistance, then please tip my scales!
27th April - Requested Statements 13th May - Received Statements 15th May - Preliminary request for £4780 sent. 16th May - Royal Mail confirm Letter received. 23rd May - Received Letter considering claim. :grin: 30th May - Letter Before Action sent. 10th July - Times Up!! FOS claim going in. 16th July - Measly 30% of claim offered as goodwill 17th July - Rejected offer letter sent 25th July - Acknowledgement of Reject Letter received 26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go. Never even felt it happen.
Anyone had this??
from RBS
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Originally Posted by rory32
