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gingershoese

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Everything posted by gingershoese

  1. Just for your info - after a lenghty battle with rbs I ended up with all my statements back to 1989. They do have the information........ If any one wants the final letter which worked PM me....
  2. Hi Sparkie, Just to let you know I am still in awe of your commitment and watching... Any thing I can do let me know - Good Luck!!! Ginger
  3. Hi Sparkie - great to see the fight goes on!!! - be nicer to see "we apologise for being numpties Mr Sparkie here's £50k and a nice bottle of your favorite tipple " but hey ho! Transcipts are admissable, although you may need to get them notarised - ie signed to agree transcript is a true and accurate record....;-) I would love to see the personal summons in the press:D as the chair is corporate responsible.... Might be worth a shout, although I think cobblers might be replaced by bl**dy good lawyers if you did!!! Ginger
  4. Hi Sparkie, have just PM'd you re a myspace site although might be better to run a full site if you wish to go to libary links etc - happy to help either way....... Ging
  5. OMG!:o 838 is rather an impressive total in that period! - the good news is it's yours to reclaim!!! Ging
  6. Hi Sparkie, kinda to echo T4ff and others, myspace would be a great location if the MODs consider this out of CAG space.... Happy to help if need be, other than that good luck!!!! - you won't need it! Ging
  7. Hi Kurt, Where are you addressing them to? I am using a HO address in the links pages and seems to have no issues....... Some Hamsters have all the luck!!! Ging
  8. Hi Sparkie, Been following your case for a while, I agree it would be good to see in full..... Good Luck!!! Ging
  9. Cheers T4ff, Advice much appreciated:) Here goes round 3!!!!!
  10. Hi T4ff, Thanks for your info.. True, i can't really see the point of Manual interventions, but it is a bit stragne they don' show up - but it may be that the removal occured before they hit the account etc..8) I think I may be uneccessarily flogging a dead horse really:D No, it is a current account for standard charge reclaim, but the bit about "our current agreement with you" made me wonder... more because I had'nt seen it in my research on the site, but it probably is not that important.. The key bit is to try to get the statements pre 6 yrs, i have tried my branch but they are not so helpful now as everything to do with charges has to be dealt with via customer relations... I will send the base response out to Ms Tudor in reply and delete the manual bit as you rightly point it is giving an opportunity to waste time to the bank.. and they don't need any help with that!
  11. True - could be used for any other payments due! Generally I think they go for the obvious wins - i.e. those that don't know / or don't have access to legal knowledge.... that way they could potential gain a precedent which would benefit them in future claims. Outside of those who can either afford to, or are 100% confident of, chase until the bitter end - e.g. our Barrister friend, they would prefer not to risk a potentially expensive loss. The gates are already fairly open, a very public loss would be far more damaging..
  12. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html Might be worth a quick look at the above template........
  13. I am impressed with your restraint!!!!! I am not knowledgable enough on this one, but many others are on the site - however fwiw I would contend that this would add to your case of intimidatory tactics..... The eighties power suit is a worry though!!!!
  14. Ah-ha - you have ! Good luck with the process - keep reading other cases as it will guide you through the court stages.... A
  15. Hi Kurt, Maybe a bit late - however, why are you claiming only for the last 6 years? Given the recent coverage - see Bankfodders link at the start of the site, it may be worth a secondary claim... Second thing - are you claiming interest - either statutory (8% at court stage) or overdraft interest, or even contractual (more risky!) I am sure you are well au fait with the process, however you may wish to check the template letters going forward.... Good luck!!!
  16. Thanks T4ff, good point about the manual interventions - I guess I am being a bit bolshy really:rolleyes: ! My only concern with them is that I know on a number of occassions these have caused refunds or adjustments and this does not show on the statements - but then I guess they would need to prove this as it works in my favour! Do you think it is worth chasing the true signed copy, as the "manual intervention" bit strikes me as trying to build a case that they were administration charges as opposed to the penalties we know them to be..:? Lastly - yes I think you are right - over generous, although I was trying to say 21 days from the original expiry which would only give them until tommorow which when I think about it doesn't work either!!!! 7 days it is!! and i will update the info commisioner element Much appreciated!! A.
  17. Hi all, Update two..... Following a prompting phone call to customer services I recieved a letter from Joyce Tudor in regulatory risk, with reference to my reciept of statements.. " you advised that you have not recieved your statements I did'nt, I said i had not recieved all the requested statements I have re-ordered them today and they will be with you a soon as possible Manual Intervention with reference to your request concerning any 'manual intervention' to the administrative charges debited, I thought they were penalties these charges have been processed in accordance with the terms and conditions of our current agreement with you as a result of the activity on your account. In the event that you breach the terms and conditions , we will take the appropriate action , contacting customers where appropriate , or handling customer enquiries regarding their account status. When a customer has raised a concern in relation to this process, the decision will be communicated to the customer and where appropriate noted on the account. thoughts anyone.....? I have drafted a letter below but would appreciate you input as I have not seen this paragraph on the site....:-? if you have any queries relating to this matter please do not hesitate to contact me at the address shown above. Yours sincerely, Joyce E Tudor Retail Regulatory Risk. See response letter. Dear Ms Tudor Date Protection Act 1998 I am in receipt of the your letter dated 26th April 2007, and thank you for your unprompted response. I have enclosed my previous letters addressed to your XXXX Branch for your convenience. In the interest of clarity, I have not advised that my statements have not been received, I have advised you that the information is incomplete as quoted below from my letter to your XXXX Branch received by yourselves on the 12th of April 2007. ”1) You have failed to provide a complete list of transactions and charges – namely details of transactions prior to 28th February 2001. My banking history with you starts on or around June 1989. 2) You have provided no notes, or documents relating to any legal action between you and myself. 3) You have provided no notes, or documents relating to instances of manual intervention. This is not an exhaustive list by any means, it is just an example of some of the information I am missing“ With reference to your comments as to Manual intervention, I still require under s.7 all notes and documents relating to these. In addition I require a true signed copy of “our current agreement”. I would like to remind you that your obligation under s.7 is to supply all data held by your company irrespective of the date of such data. I would also remind you that you are required to fulfill your obligations within 40 days of the receipt of request. The time period for compliance expired on 15/04/2007. As a gesture of goodwill I shall extend this time period for a further 21 days. If, however, you fail to supply me with any personal data that you hold prior to 28/01/2001, within 21 days from the original expiry date, I shall be making a complaint to the Information Commissioner in addition to seeking court action to enforce compliance. Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.
  18. hi All, bit of an update - had my statements back, exactly 6 yrs worth, and have calculated RBS owe me 1483 in charges and 88 overdraft interest, before applying any other interest (e.g contractual or 8% statutary). I have sent back a LBA dpa for the previous years banking and manual interventions within my original 40 day timescale as below..... I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated 04/03/07. The disclosure of personal data is incomplete in that at least the following documents are missing. 1) You have failed to provide a complete list of transactions and charges – Namely details of transactions prior to 28th February 2001. My banking history with you starts on or around June 1989. 2) You have provided no notes, or documents relating to any legal action between you and myself. 3) You have provided no notes, or documents relating to instances of manual intervention. This is not an exhaustive list by any means, it is just an example of some of the information I am missing. Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998. You have a further 10 days to comply. Let's see where this takes us!!!!
  19. Ahah........ Yep... the light dawns, white horse and knight sit on the horizon looking over all they survey..... thanks for clearing that one up T4ff, I thought it was a little strange to show all in one go, reading through some other cases i see people have gone along the same lines and accepted "early", but with a "better" result than would be usually offered but only on response to LBA stage and usually via email to either Tommy or Sandy... Much appreciated...... A. tried to tip but must share the love........
  20. I appear to have been reading from the pages of confused.com!!! I seem to remember seeing in the links a letter template for a claim which was successful (although was not paid out for CI) and was apparantly speeded up by stating "I will claim for CI at xxx / or 8% statutory if this claim ends in court (% at the judges discretion)- However if satisfied prior to this point I will accept charges plus overdraft interest. Could easily still be at confused.com though!!! A.
  21. Good advice t4ff, key thing is to believe in what you are chasing and decide how much hassle you want to go through. The evidence is there but the more you go for the harder you work and the higher the risks. Personally, i will be claiming for charges and overdraft interest and then word my claim to be for xx amount and xx amount plus CI if I have to go to court +8% interest and then let the court decide the appropriate level of recompense..... Plenty of examples there, the more you read the cases the more clear it becomes...
  22. Hi Serene, Having spent a number of days reading this site in preperation for my claim, it depends on a. where you are in the process - e.g. have you sent a LBA etc, and b. do you want to fight for CI - i.e are you prepared to go to court for it? If you are prepared to fight for CI - there are plenty of cases on here and plenty to read... try likeylad or mcuth for inspiration... Good luck!
  23. Thanks T4ff, I keep coming back to these pages to review as much as I can while I wait for the Statements to be returned, theres a lot of success stories giving me confidence to fight for CI:) I'll keep you updated!! Ginger
  24. Having just sent off my SAR - good luck - will be watching your over 6 years with interest - have'nt decided to claim for these or not yet.... Ginger
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