I am writing a DPA request to RBS for details of charges to my account over the last 5 years (I am Scotland based). I opened my Student account in 1998, in 2003 it became a Graduate account and since 2005 it has beeen a Royalties account. Despite these changes to my account type is it all counted as the one account or will they see it as 3 different accounts?

Obviously I shall be sending the £10 fee but as I do not have a cheque book what are the alternative acceptable payment methods? Would a postal order be ok? My mum has said she will write a cheque for me if I can't use any other method - will they accept a cheque signed by someone other than the person applying for the DPA?

I will be sending the letter to my branch, do they have a duty to pass it on to the correct person if they cannot fullfil my request?

Sorry if these seem like very elementary questions, I just want to make sure I do everything absolutely correctly and they have nothing to catch me out on. Thanks in advance.

Even though the account has changed it is still the same account. You only need to make one request.

A crossed postal order will be fine to pay for the request.

You can send it to your local branch - just make it clear it is a DPA request. Alternatively if you look at the posts at the top of this forum there are some contact details of addresses to send your request to.

Thanks so much for the swift response!

I will update when I receive a response from RBS.

Yesterday I received an envelope with all my old statements inside but no letter detailing information on manual intervention. It looks like they have charged me £5 for the statements and credited my account with the remaining £5 from the cheque I sent. Had a quick look through the statements and I think I'll be claiming back at least £1600 I'm really shocked, I thought it might be about £500!

Hey there debt girl, just joined the site myself and will be taking my initial letter into the bank tomorrow. You asked all the questions I wanted to. I'm so glad I found your thread.

Good luck with everything

Hey there debt girl, just joined the site myself and will be taking my initial letter into the bank tomorrow. You asked all the questions I wanted to. I'm so glad I found your thread.

Good luck with everything

Thanks for the good wishes! I hope everything goes well for you too

Ok, I thought I'd managed to work all this out but I'm having problems - as I've mentioned in another post I have a real problem with numbers and the more I look at my statements the less sense they make!

I know that I can claim for:

Unarranged overdraft maintenance charge

card misuse

Unpaid DD and CHQ

I know I can not claim the £6 account service charge but what about when it is incorporated into the unarranged overdraft charge? Do I deduct £6 from the charge or claim the whole amount?

I'm using the spreadsheet to calculate interest so do I list every single interest charge that appears on the statements or just the ones that appear after charges?

Hi there debt girl:) I didn't deduct the standard charge from the unofficial overdraft fee. I figured that they should have done this in the first place! but I'd wait for a more informed response.

Thanks for the info willowb I've put everything in the spreadsheet and the penalty charges come to £2125 and the interest on penalties is £220.69 - not sure if it's quite right as is sounds an awful lot!? Anyway my claim is definitely well over the £750 limit in Scotland so if I'm going to sever the claim do I send the prelim letter for the full amount or do I just ask them for £750 initially? I've tried searching for info on this but can't find a clear answer.

Update: Have had no response at all to the Prelim letter so LBA has been posted with revised schedule of charges due to another charge taken in the last 2 weeks.

Thanks for the info willowb I've put everything in the spreadsheet and the penalty charges come to £2125 and the interest on penalties is £220.69 - not sure if it's quite right as is sounds an awful lot!? Anyway my claim is definitely well over the £750 limit in Scotland so if I'm going to sever the claim do I send the prelim letter for the full amount or do I just ask them for £750 initially? I've tried searching for info on this but can't find a clear answer.

What is this £750 limit? I haven't heard of this. I am about to send of my prelim letter for £848. Any advice

Imamackay

What is this £750 limit? I haven't heard of this. I am about to send of my prelim letter for £848. Any advice

 

Imamackay

Hiya:)

There are different rules and regs for Scotland as far as I can make out. If you read the FAQs you'll find everything you need to know.

debt girl, I only asked for the charges back in my lba, thinking that if they coughed up then I'd be happy with that (rightly or wrongly). since they haven't though!!! I have submitted a claim for charges (inc. referral, od and penalties) interest on those charges (use the spreadsheet or work out the formula yourself....0.00022 x amount x number of days since charge) plus the interest charged on the overdraft and any interest on the interest!!!! :o

Well....in for a penny!!! I'll let you know, but I've learned not to be NICE!

Good luck girl:)