Hi - just about to jump into this shark tank and send off my first letter - I have a friend who recommended joining this group so I have. I'm nervous of doing this as I'm unsure what repercussions the bank can inflict. I have an existing personal loan with them, can they demand that I pay this in full once they are aware of my claim submission?

I have finally decided to go for this after having been charged £166 pounds this month for being overdrawn and having a direct debit refused. Enough is enough!

Someone PLEASE tell me I'm doing the right thing

Thanks and hello x:???:

Hi goonerjools,

Welcome, unless you fall behind with your loan payments RBS will find it near impossible to call in their loan, with regard to your charges, the sooner you start your claim to get them back the better, there are a lot of folk here who will guide you every step of the way, ones who are much more experienced in claiming charges back than me and you will get all the help you need.

Be cool

sparkie

Hi - I'm posting my SAR Friday 30th, can anyone tell me who I make the £10 cheque payable to please? Is it just Royal Bank of Scotland? I'm sending it recorded delivery to my branch.

Thanks x

No send it to their Head Office in Edinburgh or to CMS Telford and make cheque out to RBS,

sparkie

Thanks Sparkie but I'm confused now, on the contacts list it says SARs should be sent to your branch - is that wrong then?

If you send it to your branch that only slows the process they will have to log it in, then they will sit on for a few days all this delays getting your info, the RBS are very good at delaying tactics, I allways advise people to send it addressed directly to the Data Contoller at the head office in the RBS case the data controllers name is Joyce E. Tudor, write it direct for her attention.

sparkie

Thanks! I'm changing the address as we speak. Still shaking though as I can't believe they won't take some form of retribution on me.

Here goes!

Jooles

Oh well, have lit the blue touch paper and am standing back waiting for the fireworks!! Have just got back from the post office from sending off my SAR and have my recorded delivery receipt tucked safely away. Don't think I have every been this nervous before! I'm one of those that won't take anything back to the shop if it doesn't work and now look - taking on one of the major institutions. Gulp!

OK - have checked online and RBS have received my SAR - do I give them 40 days from today before I do the next bit?

Sorry to be neurotic but, Oh pooh - I'm scared!

There is no need to be scared, everything you need is here. We all started where you are now. You be be amazed at how soon you will feel empowered by all you will know.

If they received your sar today, then yes you have started your count down. They also seem to be sending them out a bit sooner. So hopefully you wont have to wait too long.

Have a read around the threads so you can see how others are getting on, and you will be able to see what comes next.

But as you know, any worries you have, just ask. Thee is always some one around to help.

Good luck

Thanks you sound so calm - ok will mark my diary but by 40 days do they mean 40 working days or 40 days?

Thanks you sound so calm

Trust me, when i first started i was worried sick. I was scared that i would mess it up, i was also wary of asking what i thought were daft questions. But soon realised there is no such thing as a daft question. So always ask.

As for the 40 days, its 40 calendar days, no breaks.

Very cute pic by the way......

Thanks seaside lady - diary marked and the clock is ticking

welcome Jooles:) Ditto seaside lady. You will soon feel stronger and more empowered. Good luck with your claim.

Thanks Citizen - have managed to start breathing again so signs are good!

Hi again,

Remember n worrying will not make a problem any better OR any worse so don't you worry just let it all take its course, go with the flow you will get help when you need it.

keep smiling.

sparkie

Thanks Citizen - have managed to start breathing again so signs are good!

Breathing is a good start :grin:

Well - statements arrived and it's all totting up very nicely - can anyone answer a query for me please - I know I can't claim back the £12 service charges each month that I pay for the Royalties Gold but some months I have been charged £30 or £40 instead of the £12 when I have been overdrawn. Can I claim back any amounts over and above the £12 service charge?

Many thanks

Jooles

Jooles, What is the £12 service charge for?? (edited, have googled it and assume its a service you have asked for)

The Service Charge should be shown as separate to other charges, but it's probably not.

If you have agreed to the £12 a month for this RG account (I can't think that anyone would ) then yes, anything more than that taken from your account each month should be claimed back!

Jogs

Thanks havinastella - the £12 is a fee you agree to when you take out a Royalties Gold account - not sure what the service is though! - I have been doing some checking on some of the other threads and it would appear that I can, as you say, claim back the amounts above the £12 that they have charged me. So far I'm looking at over £2,000 woo hoo, but still can't believe they'll pay up. I'm filling in my spread sheet later today and printing off that prelim letter to send recorded delivery first thing Monday. Do I send that to the Edinburgh head office or my branch please?

Can't thank everyone enough for the quick answers and support.

Jooles x

Think we were all in your situation at some time of being worried about claiming against our banks.

However don't worry, a bank is like any other business they have to comply with the law.... albeit some are of the opinion that they are above the law.

RBS are not too bad compared with reclaiming charges from other institutions.

There are plenty of us here to help you who have been through the process start to finish, so if you need a hand just let us know.

The one thing I would suggest, with your SAR if it did not include any manual intervention sheets (which is likely) to write back to the address to which you sent it stating that you do not hold your Subject Accress Request (under the Data Protection Act 1998) because of the missing manual intervention sheets.

The majority of overdraft/penalty decisions are handled automatically meaning (got this in writing from Nat West, an RBS company) that the default of contract i.e. unauthorised overdraft, bounced DD, would cost the bank a matter of pence as part of an overall IT computer system, and not the charges they levy against customers. The manual intervention sheets can demonstrate whether any human activity has occurred at the time you have incurred a charge.

Hi Enron

Thanks for your reply - not quite sure I understand though. I got my statements back and a very brief cover letter stating that any manual intervention is notified to the customer at the time - do I need to do anything else before I put in my preliminary request for repayment?

Jooles

Sounds similar to the RBS reply that I got, just a way of being evasive on their part.

Would write to them considerring that you consider your request still unfulfilled, as a data subject you are entitled to the manual intervention sheets which they hold on you.

This won't go to court as RBS normally settle early though you might have to file the N1 before they make payment.

Sounds similar to the RBS reply that I got, just a way of being evasive on their part.

 

Would write to them considerring that you consider your request still unfulfilled, as a data subject you are entitled to the manual intervention sheets which they hold on you.

 

This won't go to court as RBS normally settle early though you might have to file the N1 before they make payment.

Hi Jooles,

I agree with Enron you are entitled to all data held and that includes manual intervention information do not accept their explanation that "it is supplied at the time"

sparkie

Thanks Enron & Sparkie - should I do this before I put in the prelim letter? and should I then give them another 40 days to respond or is this still from the original S.A.R? Sorry - really lost here and don't want to do anything to make it easy for RBS to laugh at me any further. They have already charged me another £376 pounds in charges this month - £76 pounds of this is for twice bouncing the £10 cheque I sent in with my S.A.R!!!!

Jooles