Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
    Basic Account Holder flyboy80 Novitiate flyboy80's Avatar



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    Default Flyboy V RBOS Charges **WON**

    Hi Guys, what can I say.... came across this site via another well informed site (TMF) and I must say this is a Godsend.


    I was at my witsend up until recently wandering whether it was all worth it,
    was going to chuck in the towel and offer myself up to the Gods,
    each month I work so hard, to keep above water,
    only 2 days after payday to be totally depressed again.
    Not good if you've got kids and everything else to provide for !!

    This site has inspired me, a new lease of life and a sense of purpose.

    Sorry if I sound mad, but from what I have read on the forums so far,
    me and RBOS have a date, and this time it's them that's gonna get "served",
    cause I intend to lay the "biggest" pipe on them for the last three years of hell, that I have been through!!!

    Aggresive it seems - but don't worry, I will be patient and measured as it will take time.
    If I am successful you will see the biggest, fatest smile on my face for a long time.

    I will keep you guys posted on my results.

    Remember - make an impression - it does count !!!


  2. #2
    Basic Account Holder seawall Novitiate



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    Default Re: Flyboy V RBOS

    Well done. RBSicon have frequently made my life thoroughly miserable on occasions over the last 8 or 9 years. I just started the whole process as well and feel so much better for it.


  3. #3
    Basic Account Holder flyboy80 Novitiate flyboy80's Avatar



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    Thumbs up Re: Flyboy V RBOS

    Ok - took the bull by the horns and sent of today for my statements.
    Paid 10 via postal order so they can't take me over limit in future because I used my cheque book, and charge me for the privilige!!! - I really wouldnt put it past them !!! - sent info to Customer Relations in Edinburgh recorded mail.

    I really feel empowered !!!!!


  4. #4
    Basic Account Holder sleepz Novitiate



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    Default Re: Flyboy V RBOS

    Well done, I just sent mine off yesterday too.

    Keep us posted and good luck

    01/08/06- Royal Bank of Scotland - S.A.R sent
    24/08/06- Royal Bank of Scotland - Statements Received
    31/08/06- Royal Bank of Scotland - 1st Request sent
    13/09/06- Royal Bank of Scotland - LBA sent
    23/09/06- Royal Bank of Scotland - Offer received 1544 (Thanks but no thanks)
    02/10/06- Royal Bank of Scotland - *WON* Full settlement

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  5. #5
    Basic Account Holder flyboy80 Novitiate flyboy80's Avatar



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    Default Re: Flyboy V RBOS

    Hi Guys, Still have not got any statements, the expiry date of 40 days is Sept 9th. Do I just wait for this date and then issue lbaicon or do I write again. I have called them and chased them after 14 days. I was informed that it was being processed and that the 40 days started from when the CMS unit received my DPA. Another stalling tactic is supposed !!! - this give them a further 2 weeks, but they say that they have so many requests that they are unable to deal with mine any quicker.

    Your thoughts would be appreciated.

    01.08.06 - RBOS - S.A.R - (Subject Access Request) request

    01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent
    03.09.06 - 495 owed - Alliance and Leicester sent cheque for 130 - Accepted as partial payment
    03.09.06 Alliance & Leicester - LBA letter sent to recover remainder
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  6. #6
    Basic Account Holder sleepz Novitiate



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    Default Re: Flyboy V RBOS

    hmm, we both sent ours off on the same date, I received mine last week (from Scotland).

    So you should get it pretty soon.

    I think the best bet is to probably give them the 40 days, on the 40th day if you havn't received it give them a call, and also send them the Non Compliance letter (detailed below, taken from the templates libraryicon).

    They do send the statements second class post, so at that stage I would also insist that they are sent first class post to ensure you get them as soon as possible.

    Non Compliance letter

    Dear Sir/Madam

    Account: xxxxxxxx

    You have failed to comply with my Data Protection Act Subject access requesticon dated (Insert Date).

    If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.


    Yours faithfully"

    01/08/06- Royal Bank of Scotland - S.A.R sent
    24/08/06- Royal Bank of Scotland - Statements Received
    31/08/06- Royal Bank of Scotland - 1st Request sent
    13/09/06- Royal Bank of Scotland - LBA sent
    23/09/06- Royal Bank of Scotland - Offer received 1544 (Thanks but no thanks)
    02/10/06- Royal Bank of Scotland - *WON* Full settlement

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  7. #7
    Basic Account Holder flyboy80 Novitiate flyboy80's Avatar



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    Default Re: Flyboy V RBOS

    Many thanks for that, I was begining to feel persecuted !!! - just have to stick with the timetable.

    01.08.06 - RBOS - S.A.R - (Subject Access Request) request

    01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent
    03.09.06 - 495 owed - Alliance and Leicester sent cheque for 130 - Accepted as partial payment
    03.09.06 Alliance & Leicester - LBA letter sent to recover remainder
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  8. #8
    Basic Account Holder flyboy80 Novitiate flyboy80's Avatar



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    Default Flyboy80 vs RBOS

    Hi Guys,

    Since I requested my S.A.R on 1st Aug - sent recorded of course, I still have not received any statements. I put in a call to Mr Mclean 14 days after, he referred me to someone else, I was then informed that they had my request and that the 40 days started from when they would get to it!!??!

    Is this right ? - or should I stick to my timetable ? - reading other threads, RBOS tend to be quite quick in dealing with this request, nearly one one and nothing

    Anyone else getting delays? - what further steps should be taken ??

    Your thoughts greatly appreciated.

    01.08.06 - RBOS - S.A.R - (Subject Access Request) request

    01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent
    03.09.06 - 495 owed - Alliance and Leicester sent cheque for 130 - Accepted as partial payment
    03.09.06 Alliance & Leicester - LBA letter sent to recover remainder
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  9. #9
    Basic Account Holder Steven1964 Novitiate



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    Default Re: Flyboy80 vs RBOS

    From what I've read its your timetable and not theirs.


  10. #10
    Basic Account Holder flyboy80 Novitiate flyboy80's Avatar



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    Default Re: Flyboy80 vs RBOS

    Cheers for that, I will stick to my 40 days... the more they wriggle, the tighter the rope becomes....

    01.08.06 - RBOS - S.A.R - (Subject Access Request) request

    01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent
    03.09.06 - 495 owed - Alliance and Leicester sent cheque for 130 - Accepted as partial payment
    03.09.06 Alliance & Leicester - LBA letter sent to recover remainder
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  11. #11
    Basic Account Holder flyboy80 Novitiate flyboy80's Avatar



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    Default Re: Flyboy80 vs RBOS

    Hi, guys - still no word from RBOS, can you believe this !!! - I think they are playing a waiting game. Anyone else experiencing long delays in getting statements etc??- I can't be the only one ??

    01.08.06 - RBOS - S.A.R - (Subject Access Request) request

    01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent
    03.09.06 - 495 owed - Alliance and Leicester sent cheque for 130 - Accepted as partial payment
    03.09.06 Alliance & Leicester - LBA letter sent to recover remainder
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  12. #12
    Basic Account Holder bandonbhoy Novitiate



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    Default Re: Flyboy80 vs RBOS

    I sent my letter to Bank of Scotland on 16th June asking for my statements for the past years. On 30th I had telephone callicon, who said there was charge of 5 and could he take that from my account. I agred. When I came back from holiday on 15th August, no statements had been receieved. When I telephoned, they said there had been insufficient funds in my account to meet the 5 charge. I referred him to my account and he agreed that it had been paid and that I would receive my statements within the next five working days. They did arrive, but only for last two years, so I sent letter pointimg out that they had contravened legislation by not sending me my statements and extending beyound the 40 days. awaiting the next statements. So far for the last two years thye have made charges of 5292.51


  13. #13
    Basic Account Holder flyboy80 Novitiate flyboy80's Avatar



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    Wink Re: Flyboy80 vs RBOS

    Well finally after constant chasing and empty promises.... still no statements, not even a letter to confirm that they had my request. 40 days are up and my lbaicon letter is going in the post !! - I think that I have been fair with them, so bring it on !!!!!!!

    01.08.06 - RBOS - S.A.R - (Subject Access Request) request

    01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent
    03.09.06 - 495 owed - Alliance and Leicester sent cheque for 130 - Accepted as partial payment
    03.09.06 Alliance & Leicester - LBA letter sent to recover remainder
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  14. #14
    Basic Account Holder BigCol Novitiate BigCol's Avatar



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    Default Re: Flyboy80 vs RBOS

    Flyboy,

    have you been dealing with your Branch? If not, then I would start rather rapidly. Most of us get more satisfaction going local rather than going National until just before the MCOL stage. Infact, the best address for your MCOL(assuming you're not in Scotland), is your own Branch. The majority of delays in other people's threads have been due to faffs at Head Office. Keep it local and it seems to get results quicker. Also I'm sure Tommy McLean is just batting people off cos he's fed up with everyone having a go!

    Poor pet lamb!

    BC

    Big Col
    RBS LBA 20/06/06. WON - 21/10/06
    MBNA(1)-Start-20/06/06, Claim-250, 15/8 - Winner!!
    MBNA Virgin(2)-Start-20/06/06, Claim 100, 15/8 - Winner!!
    BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06
    Green On!
    If the post/advice helps, pse click on the scales!!
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  15. #15
    Basic Account Holder bandonbhoy Novitiate



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    Default Re: Flyboy80 vs RBOS

    The Bank of Scotland have a rule in action in action in Scotland not to reply to letters. But hey I guess with a wee threat o action agin them they might respond.


  16. #16
    Basic Account Holder sleepz Novitiate



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    Default Re: Flyboy80 vs RBOS

    Flyboy, Your missing the "1st request for repayment" stage, not sure if that matters, but your jumping straight into the Letter Before Action.

    As I say, I don't know if that matters, my 14 days are up on Thursday, so I'll be sending off the lbaicon on Thursday. Keep us posted on what happens so I can prepare myself

    01/08/06- Royal Bank of Scotland - S.A.R sent
    24/08/06- Royal Bank of Scotland - Statements Received
    31/08/06- Royal Bank of Scotland - 1st Request sent
    13/09/06- Royal Bank of Scotland - LBA sent
    23/09/06- Royal Bank of Scotland - Offer received 1544 (Thanks but no thanks)
    02/10/06- Royal Bank of Scotland - *WON* Full settlement

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  17. #17
    Basic Account Holder BigCol Novitiate BigCol's Avatar



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    Default Re: Flyboy80 vs RBOS

    Good spot sleepz,

    follow the rule and go through the procedure. If you don't need the information then what's the point in asking for it? Flyboy80, you need to go through the Request for Payment (1st approach) first before diving straight in with the lbaicon.

    BC

    Big Col
    RBS LBA 20/06/06. WON - 21/10/06
    MBNA(1)-Start-20/06/06, Claim-250, 15/8 - Winner!!
    MBNA Virgin(2)-Start-20/06/06, Claim 100, 15/8 - Winner!!
    BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06
    Green On!
    If the post/advice helps, pse click on the scales!!
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  18. #18
    Basic Account Holder flyboy80 Novitiate flyboy80's Avatar



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    Default Re: Flyboy80 vs RBOS

    Nice one.... got a bit carried away so ...but I will redress, already sent the lbaicon but will send the Request for Payment tommorow, shouldn't make a difference, should it, can always send the LBA again !!!

    01.08.06 - RBOS - S.A.R - (Subject Access Request) request

    01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent
    03.09.06 - 495 owed - Alliance and Leicester sent cheque for 130 - Accepted as partial payment
    03.09.06 Alliance & Leicester - LBA letter sent to recover remainder
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  19. #19
    Basic Account Holder flyboy80 Novitiate flyboy80's Avatar



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    Default Re: Flyboy80 vs RBOS

    This may sound stupid, and I apologise if it has been asked before but, as I do not have any statements so far, what figure is put in the letter - prelim ? Do I base it on the last year that I can obtain online ??

    Your thoughts appreciated.

    01.08.06 - RBOS - S.A.R - (Subject Access Request) request

    01.08.06 - Alliance @ Leicester Credit Card - S.A.R sent
    03.09.06 - 495 owed - Alliance and Leicester sent cheque for 130 - Accepted as partial payment
    03.09.06 Alliance & Leicester - LBA letter sent to recover remainder
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  20. #20
    Basic Account Holder sleepz Novitiate



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    Default Re: Flyboy80 vs RBOS

    You should wait untill you get your statements.
    It wouldn't be a good idea to claim back say 300 from last year, then in a couple of weeks, when you get your statements, up it to 3000 or whatever.

    If I was you, i'd hold off, phone your bank and talk to them about it.
    Have a copy of the Non-compliance document to hand, so you can quote from it if need be (ie, "Section 7 of the Data Protection Act 1998" etc).

    Then also send a copy of the non compliance letter to the bank.

    The letter can be found here :
    http://www.consumeractiongroup.co.uk...n-act-non.html

    I think 'be calm and patient' is the best advice at this stage, you don't want to rush into anything, or get angry and start threatening the bank, if you take it slow, calm and collected your less likely to make any mistakes. I know it's said all over the place but this isn't a "get rich quick scheme", bear in mind the bank will have a highly paid legal team working your request, follow the steps to the letter and they won't have anything to work on, if you start deviating from the course, ie sending an lbaicon without including what your claiming for, or asking for a refund without telling them what you want refunded ... their legal team will tear you apart and you'll be lucky to come out of it with anything. Sorry if that sounds patronising, were all in the same boat and we should all look out for each other.

    01/08/06- Royal Bank of Scotland - S.A.R sent
    24/08/06- Royal Bank of Scotland - Statements Received
    31/08/06- Royal Bank of Scotland - 1st Request sent
    13/09/06- Royal Bank of Scotland - LBA sent
    23/09/06- Royal Bank of Scotland - Offer received 1544 (Thanks but no thanks)
    02/10/06- Royal Bank of Scotland - *WON* Full settlement

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