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Thread: RBS failed SAR

  1. #1

    Default RBS failed SAR

    I had a £5000 loan with RBSicon taken out in 2000,I got into difficulty and started a DMP with CCCS.

    Through the DMP i had paid RBS nearly £4000 + what I paid them before going on the DMP and yet last year I had a statement from them saying I owed over £8000.

    I decided that I needed to do something about it and sent RBS a SARicon,which the 40 days are now up,without any reply.

    I'm pretty sure PPIicon was added to the intitial loan which was just over £1000 which meant I actually borrowed £6000+.

    How long should I wait before sending the failed SAR letter.

    Valk97


  2. #2

    Default Re: RBS failed SAR

    Hi

    Iím about to SAR RBSicon and if they donít comply within the statutory limit I will them something along ....

    The time for compliance with my request expired on the [date] and as a gesture of goodwillicon I allowed a further 7 days to allow for Bank Holidays & general administrative delays.

    Should there be any doubt what my original request was, I have attached a copy of this request.

    If you do not comply fully with my
    Subject access request
    within 14 days, I shall apply to the county courticon for an order to enforce compliance, together with legal costs & damages at the discretion of the court.


    Yours faithfully

    I did this with one creditor and a week later it arrived!

    But only threaten court action if you actually mean it. I was.





    Current Debt : Approx £LOTS ......................... ......................... ......................Est imated Debt Free : Nov 2014

    Barclaycard (wife) £1,080.43 Refunded
    Barclaycard (me) SAR in progress
    Shop Direct (x3 accounts) SAR completed. Claiming £3389.37 charges and £3,500 PPI
    MBNA ..........SAR in progress. Charges & PPI from 1996 - present!

    Your next ----> Lloyds Mastercard x2 - OPUS - Coop Visa - Monument Visa - RBS Visa - Cap One Visa x2 - Redcats x2
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  3. #3

    Default Re: RBS failed SAR

    Did you send the Request via a tracked post method? If so, have you checked the RM website to ensure the letter was delivered.

    The fee of £10.00 was it cheque or postal order. If cheque, confirm with your bank that is has been cashed.

    If by postal order - you need to telephone : - 01246 542091 - you will need the receipt you were given when you purchased the PO as this will have the ID number on it.

    Ask them to confirm if and when the PO was cashed. If it has been, then ask them to confirm in writing - they are usually pretty co-operative and it will add extra proof to whatever you intend to do next

    Please consider making a small donation to help keep this site running
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    Uploading documents to CAG ** Instructions **

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    Dealing with Customer Service Departments? - read the CAG Guide first

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read


    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  4. #4

    Default Re: RBS failed SAR

    It was sent recorded,which I have proof of delivery.

    I did send a Postal Order which I will make the call on Monday to find out if it's been cashed.

    Either way I will be sending the failed SARicon letter on Monday as well.

    Valk97


  5. #5

    Default Re: RBS failed SAR

    Excellent, that sounds like a good plan

    Please consider making a small donation to help keep this site running
    Click here to donatehttp://www.consumeractiongroup.co.uk...ages/link3.gif through PayPal (opens in a new window)

    Uploading documents to CAG ** Instructions **

    Looking for a draft letter? Use the CAG Library
    Dealing with Customer Service Departments? - read the CAG Guide first

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read


    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  6. #6

    Default Re: RBS failed SAR

    Lack of fee is not a valid reason for not responding to the SARicon

    £10 is the maximum fee.

    If the organisation requires a fee and none is sent, they must respond promptly to ask for the fee

    One time when I didn't send the fee and sent a reminder, they responded with the fee excuse. The SAR arrived (free) a few days after I reminded them of the above, suggesting that over 6 weeks was not prompt.


  7. #7

    Default Re: RBS failed SAR

    I'd agree 2grumpy, the I.C.O's take on the subject below....... they will [& do] support this position

    Wouldn't advocate not sending the fee, but the fee alone does not afford the data controller relief from compliance in a timely manner.

    Phil

    http://www.ico.gov.uk/for_organisati...onal_data.aspx

    Can I charge a fee for dealing with a Subject access requesticon?

    Yes, an organisation receiving a subject access request may charge a fee for dealing with it. If you choose to do this, you need not comply with the request until you have received the fee. The maximum fee you can charge is £10. There are different fee structures for organisations that hold health or education records (where the maximum fee is £50, depending on the circumstances).

    Although you need not comply with a request until you have received a fee, you cannot ignore a request simply because the individual has not sent a fee. If a fee is payable but has not been sent with the request, you should contact the individual promptly and inform them that they need to pay.

    Some organisations choose not to charge a fee. However, once you have started dealing with an individual’s request without asking for a fee, it would be unfair to then demand a fee as a way of extending the period of time you have to respond to the request.


  8. #8

    Default Re: RBS failed SAR

    I Sent the failed SARicon letter but as we were going away I gave them 14 days to comply. So far I have received nothing. I have a feeling that it was sent by normal post.So today I have resent the letter by recorded delivery giving them 7 days to comply.

    I doubt very much that I will get any sort of reply from them, so, the next course of action will be the court.Can someone enlighten me on how to tackle this.

    As I said in post 1 , I had this loan in 2000, the PPIicon was added to the loan, a sum of £1050. The loan was over a period of 5 years. I went through financial issues and had a DMP. Is it possible that RBSicon renewed the PPI after 5 years in 2005 and again in 2010.
    I don't have many statements from them so can't find out.

    Valk97


  9. #9

    Default Re: RBS failed SAR

    Hi

    Just one question...is this account still live or has it now been paid off? If so, when?

    If I have helped you please leave me a message by clicking my star

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    I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE



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  10. #10

    Default Re: RBS failed SAR

    No, it's not been paid off.
    It was being paid via a DMP, which I cancelled a couple of months ago.I had been paying through the DMP for over 10 years, but in October 2011, RBSicon sent me a statement showing that I owed over £8000, which was more than the total loan when I first took it out.
    Even though the DMP has been cancelled I have not heard a thing from them.


  11. #11

    Default Re: RBS failed SAR

    Hi

    OK first step is to issue a "letter before actionicon".

    This can be basically the same as the "failed SARicon" letter but headed "letter before actionicon".

    Add/adjust the final paragraph to say that if you do not receive your data with 14 days you will issue in court to force compliance.

    I am assuming that the payment of £10 has been cashed and that you know that they have received the previous requests and failed SAR letter.

    If I have helped you please leave me a message by clicking my star

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here

    How To Upload Documents To Cag Instructions


    I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE



    Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

    If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon


    If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

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  12. #12

    Default Re: RBS failed SAR

    The SARicon request was signed for and I have a copy of the signature, the failed SAR letter that I sent 3 weeks ago giving them 14 days was only sent by normal first class.
    I've sent them another one today,headed "letter before actionicon" giving them 7 days.This one was sent by recorded delivery.
    I'm not sure if the postal order has been cashed.

    Thanks for your input.

    Valk97


  13. #13

    Default Re: RBS failed SAR

    You can find out from the Post Office of the order has been cashed but if the SARicon has been signed for then that should be good enough.

    If you get nothing after the 7 day lbaicon then we can take it from there.

    If I have helped you please leave me a message by clicking my star

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here

    How To Upload Documents To Cag Instructions


    I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE



    Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

    If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon


    If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

    my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary


    PLEASE HELP US TO KEEP THIS SITE RUNNING
    EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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  14. #14

    Default Re: RBS failed SAR

    Telephone number below for the Post office. They are really helpful and will send a letter confirming if and when the Postal Order has been cashed. You will need the receipt you received for the PO when you purchased it, there is an ID number on it.

    01246 542091

    Please consider making a small donation to help keep this site running
    Click here to donatehttp://www.consumeractiongroup.co.uk...ages/link3.gif through PayPal (opens in a new window)

    Uploading documents to CAG ** Instructions **

    Looking for a draft letter? Use the CAG Library
    Dealing with Customer Service Departments? - read the CAG Guide first

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read


    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  15. #15

    Default Re: RBS failed SAR

    http://www.consumeractiongroup.co.uk...hlight=SUCCESS

    Successful claim against a bank for non compliance

    Please consider making a small donation to help keep this site running
    Click here to donatehttp://www.consumeractiongroup.co.uk...ages/link3.gif through PayPal (opens in a new window)

    Uploading documents to CAG ** Instructions **

    Looking for a draft letter? Use the CAG Library
    Dealing with Customer Service Departments? - read the CAG Guide first

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read


    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  16. #16

    Default Re: RBS failed SAR

    valk97

    If you intend to pursue the matter please keep the thread updated.

    I can supply Greens current service agreed defence to section 7 claims, and they have the neck to accuse CAGicon of template defences, lol

    Phil


  17. #17

    Default Re: RBS failed SAR

    Back from my holiday now and still nothing from RBSicon.

    The debt was being paid via a DMP which has now been cancelled and was being paid to Allied International Credit.

    I have recieved a letter from AIC saying that they have not recieved a payment and I need to contact them to make another arragement to pay.

    Seems to me that RBS want to play hardball.

    As RBS have now had two failed SARicon letters what would be the next step.

    Thanks in advance

    Valk97


  18. #18

    Default Re: RBS failed SAR

    Might be worth waiting to Mike Hawk to pop in - it would appear he has some information that might be useful see post # 16.

    The choice however is yours. If you have proof that it has been delivered, your postal order/cheque cashed and they have not provided the data.. then you have 2 choices. ICOicon long winded and toothless or issue a claim. !

    Please consider making a small donation to help keep this site running
    Click here to donatehttp://www.consumeractiongroup.co.uk...ages/link3.gif through PayPal (opens in a new window)

    Uploading documents to CAG ** Instructions **

    Looking for a draft letter? Use the CAG Library
    Dealing with Customer Service Departments? - read the CAG Guide first

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read


    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  19. #19

    Default Re: RBS failed SAR

    If you are going to issue a claim then you will need to send the letter before actionicon as advised earlier by ims21.

    Please consider making a small donation to help keep this site running
    Click here to donatehttp://www.consumeractiongroup.co.uk...ages/link3.gif through PayPal (opens in a new window)

    Uploading documents to CAG ** Instructions **

    Looking for a draft letter? Use the CAG Library
    Dealing with Customer Service Departments? - read the CAG Guide first

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read


    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  20. #20

    Default Re: RBS failed SAR

    Hi Valk

    Could you confirm the RBSicon address you used for SARicon


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