Me Vs RBOS - The ball is rolling

[weej]

OK, so after reading and getting advice from other forum members, I went into the bank yesterday and handed over the DP form requesting full details of charges over the past 5 years. They are charging me £20 as I have 2 accounts...Is that right? They will debit the amount from ny account.
This morning, a letter arrived (1st class) which was partially hand-written, not dated and did not have a post office frank over the top of the envelope. The letter said they wrote to me to arrange a banking "review" recently as they feel it could have been of great benefit to me...etc...etc. If I would like to make an appointment please call. The thing is, I never received that letter in the first place.
Just a coincidence???? Has anyone else received this?
I'm not sure whether to:
a) make an appointment
b) write saying that I will do a review once current "enquiries" are resolved
c) Ignore it

Any advice will be great.


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[Solowka]

that letter is a new one on me, but in regards to the 20 pound fee, thats wrong, i have 2 accounts with the RBOS and i got both details for one 10 pound payment.

[orfoster]

Yeh they must only charge you £10 as it is a personal "subject" request you being the subject not the individual accounts. I think i have heard about this account review thing before, this is something Natwest do as well. Its up to you really but personally i feel from other threads people aren't attending these meetings as the account is in dispute and don't feel they should attend until the dispute is over and some people have written back saying that any diologue should be entered in writting and not in person.

[weej]

Ok, so I think I'll write to RBOS thanking them for their invitation for a "review" I will however decline in the short term, pending ongoing enquiries etc etc.

Probably a good idea to do this in writing instead of calling. Must admit, cant wait to see my statements so I can calculate how much I have paid over the past 5 years. I reckon it will be scary!!!

[weej]

Do I understand this right???
When informally asking for my money back - I ask for full amount (c£3k)
AT lba - Seek only £750 including interest and costs
At Legal - same as lba

or
Do I stay with the full amount for the LBA?

Thanks

JB:?

[weej]

Maybe its just a coincidence, but just went onto digital banking and it will let me see current balances, but nothing else......no history, no transfer facility. Strange.

Also, I live in scotland and my bank (RBOS) is in Scotland. Can I still claim in England? Any advice would be great.

[weej]

So to clarify.......I live in Scotland, my account/ branch is in Scotland. I can however send my prelim/ lba to an english branch of RBS and claim 6 years back through money claim, using a friend/ relative's address which is in England/ Wales???? Is my understanding right?

[weej]

Noticed that SAR fee had not been debited from my account so called local branch to check progress. I was told that the enquiry had been forwarded to their office in Gogarburn (???). Will hopefully get a call back today.

Does anyone know the answer to my question on which courts you can use, ie English/ Scottish?

JB

[sleepz]

Im not entirely sure on that one either, but I think because you live in Scotland and your bank has a registered address in Scotland you will need to claim through the Scottish courts as they have juridstiction.

The Review thing is a waste of time, they usually do it if your going overdrawn a lot or something, you go to the review and they basically try and sell you a loan.

As for your earlier questions, When writing to the bank you claim back the whole amount, giving them a list of all the charges and dates they were taken (that includes the lba).

At the legal / court stage you will need to split your claim up into £750 chunks.
So you would file one claim for "Charges - December 2001 - March 2003" etc etc.
You'll have to file like 4 claims to cover the whole amount, but you'll get any fee's you have to pay back when your claim is settled.

[weej]

Its now 3 weeks since I handed in my SAR at the branch. Still not a peep. Should I give them more time or send them a little "reminder" that the clock is ticking? Is anyone else getting a quicker response to RBOS SAR

[sleepz]

Give them a call and ask them what the progress is.
I got mine in about 3 weeks.

[weej]

OK, nearly 4 weeks and no response to S.A.R - (Subject access request). I know they've got another 2 weeks, but I thought I would send them a little nudge.

Royal Bank of Scotland
27 September 2006

Data Protection Act 1998

Subject Access Request

Dear Sir/Madam

ACCOUNT NUMBERS: xxxxxxxx and xxxxxxxx (sort code 83-25-45)

I handed in the above request at my local branch on Friday 1 September 2006. At that time, I gave 40 days notice to reply and, whilst that time has not yet expired, I have heard/ seen nothing. I trust that this matter is in hand and is being dealt with at the moment.
The latest date for receipt of this information is 11 October 2006 and I thought I should write a brief reminder to ensure that this matter is processed in a timely manner, and to avoid any breach of your obligations under the Data Protection Act.
I look forward to hearing from you in early course

Yours faithfully,


Me

sent to branch and Gogarburn. Ever get the feeling that this is going to be strung out as long as humanly possible?

[weej]

zzzzzzzzzzzzzzz still nothing ( I know I am impatient). Still, while waiting I have been wondering about the interest rate and whether to go after contractual interest and notify the bank at Prelim stage . I noticed one or two people getting contractual rate. Note that I am being greedy, but 20 odd % does sound tastier than 8%; no?;-)

Any advice would be loverly. Ta.

J

[Probablyscotty]

I too have been considerin the higher interest rate! Afterall if they can charge us, for example for being over our overdraft limit that they caused through charges, Why shouldn`t I have the extra contractual interest. They gave me undue stress I recieve extra interest as an apology for said stress.

Still I am not fully read up on the contractual interest situation as yet so have not formlly made a decision, but gosh it sounds like the right thing to do!!

[weej]

Got the statements through this morning and will get to work with the highlighter when I get home tonight. It will be interesting to see how much has been taken off me in the last 5 years (sounds sad, but I hope its a lot! - could do with the dosh for Christmas):grin:

J

[weej]

Not as much as I hoped for, but still just north of £2K. Hope it gets as far as court stage as I will then get about another £400!!!

Anyway, Prelim off recorded delivery today, sent to Retail Regulatory Risk division. Shame they are not based in Glasgow, as their initials would then be GRRR! (which is exactly how I feel)

Oh well, 14 more days of fun till the next deadline!

J

[alisonmcmorrin]

What address did you send your Prelim to? I have searched this site and there seems to be a few different addresses, also some people sending to thier branch???
Thanks
A
x

[weej]

Retail Regulatoty Risk
Business House B
PO Box 1000
Edinburgh
EH12 1HQ

attention of Joyce Tudor.

Hope this helps

J

[alisonmcmorrin]

Thanks!

Will let you know how I get on!!!

I might send a copy to the branch also just to let them know I'm kicking their a**!
Alison

[alisonmcmorrin]

There is another address:-

Royal Bank of Scotland
Senior Customer Relations Manager
Freepost
PO box 1727
Edinburgh
EH12 9JN

Anyone sent it here? Or should I send it to both??? Am so confused where to send this letter!

Alison