What a turn up for the books, the rest of my statements arrived today!! Another £50.00 for the total!!!!

I have received statements back to 1999 so don't let RBS tell you they don't hold more that 6 years x

Thanks so much for clarifying Rors. I guess i hoped they just got round to your claim and paid you - but alas no!!

Good luck with the little un - but you have so many more sleepless to come, with teething, potty training etc etc!!

NO worries!

Had a look and I believe these come under 'unauthorised overdraft fees' which you CAN claim back.

I started my claim with MSE too but it's better here!! Honestly get your SAR off and get started. It's a long slow process but so many people have been successful.

Good luck xx

Cheers Sparkie, you're a legend - I'll get it done in the morning x

No no Leona - you can claim these back. They are charges for exceeding your overdraft - you just pay £10.00 instead of the £28.00 cos you are a student.

You shouldn't have any maintenance charges on your student account as far as I am aware.

If you are still unsure check if you have been charged £10.00 every month for the life of your student account - I bet you haven't, and then compare month's where you have stayed in your o/d with when you haven't. I guarantee that when you have gone over your o/d, the next month you will be charged £10.00. Mine were usually charged on the 18 th of the month and looked like this

CHG TO 02/May A/C XXXXXXXX £10.00 18th May

If you still aren;t sure PM a mod for clarification but I'm sure that is correct.

xx

Hi Rors,

Congratulations!! I am currently at Prelim stage with my claim and was wondering if I could pick your brain...

Your last post was in Feb and then you have posted and said you won - what happened in between? Did you go to court etc etc.

thanks chicky

Hiya Leona,

How strange, I came across this earlier when looking at RBS charges as I had unexplained £10.00 charges each month on my statements. I thought was for being a Royalties account, however, I got this from their website.....

Unarranged overdraft - maintenance charge£28 per month

(£10 per month for R21/Graduate & Student customers)

Really hope this helps you honey. Having recently had a baby myself I know that it feels like you must have holes in your pockets. Don't let them grind you down and seriously look at shopping around for a new student account. All you have to say is that you are unhappy with the service at your bank and would like to swap. They are likely to swap like for like i.e. match your o/d. If you don't fancy doing it face to face (and let's face it your probably tied to the nappy bin at the mo!) have a look online - they are easy enough to fill in.

Good luck honey

love fiesty xx

No wonder RBS were dragging their heels about my statements!!

I have added over £1000 to my claim making it £2,478 with an extra £770 in interest!!

I almost hope I do have to go to court to get the extra cash...can't wait to send my LBA.

Quick question - I sen my prelim for the amount of charges I had at the time. Now I have the other statements my claim has increased. Should I send another prlim or advise of the extra charges at LBA?

Thanks muchly xx

Hiya,

I don't know if this will help anyone but I had a Student Royalties Account and I have been trying to work out what a charge of £10.00 which shows up sporadically on my statements was for.

I thought it was a Royalties 'fee' and wasn't going to claim it but checked on RBS website and found this:

Unarranged overdraft - maintenance charge£28 per month

(£10 per month for R21/Graduate & Student customers)

So for any students out there, RBS was ONLY charging us £10.00 for the joy of being overdrawn.

Hope this helps

love fiesty xx

Well well well..........

To my shock and surprise my bank statements turned up today!!!!!!

HOWEVER

They are not ALL of my statements which I have requested, they start from May 2000 and start at page 12. Now to be fair, before I realised I could claim back further I had asked for Feb 2001 to Feb 2007 so this is more than I ask for.

I think they are as a result of my letter to my previous branch and not my letter to Mrs Tudor so we shall see what occurs....just off to hi-light everything he he!!

Hi Karenann,

just wanted to say good luck and I hope the letter you receive is an offer for the full amount.

The only other thing that came to mind when reading your thread is that surely the judge post-poning til 27th June is a POSITIVE thing? That way you will be there with all of the other claimants at the same time and there is no chance he is going to listen to every single case. My feeling is the bank won't turn up and it will be struck out.

Stay positive

love Fiestychick

Many thanks Sparkie and Yanni for your replies.

Sparkie, am still waiting with baited breath to hear the good news that Sparkie has WON (hope I don't pass out!).

Yanni, how are you doing with your claim - any luck so far? all the bst with it x

bump

Ok bit of an update.....

I feel I should be mightily pi$$ed off with the letter I received yesterday but actually I'm giggling manically.

Following from previous posts re not receiveing all my statements due to accounts being transferred to different branch I sent the following to my prvious branch (being the delightfully magnanimous person I am!)

Dear Sir/Madam,

I write in reference to my not-so-recent request for you to supply all my previous bank statements to me on 28th February 2007.

It has come to my attention that in August 2003 when I changed my main branch from XXXXX to XXXXXX, that my original account was closed and a new one opened at the XXXXXX Branch. As a result of this I have been provided with statements from August 2003 onwards, but thus far have not been provided with anything further.

I have discussed this at length with Sandy Watt in the Customer Relations Unit, and she has advised that I need to contact you regarding this old account and that you in turn would contact the Service Centre and ensure that this old account is located, and that I am duly sent the information I have requested. I am assured that if I provide you with all of my details then the old account can be accessed.

My I take this opportunity to remind you of your responsibilities under the Data Protection Act 1998. As a Data Controller you are required to disclose all information that you hold about me, to me, should I request it. I have already paid the maximum statutory charge of £10.00, and I am still after 12 weeks not in receipt of all the information that you hold.

Whilst I understand that the account was closed in 2003, you are required to keep all information for a minimum of 6 years. If you have failed to keep this information you have breached the Data Protection Act. If you are still in possession of information about me but you continue to fail to disclose it to me you are again in breach of the Data Protection Act.

I feel I have been more than patient regarding this matter, however I also now feel that my patience is now coming to an end. I expect to be in possession of all information you hold about me prior to August 2003, including all charges and transactions on my account, within 21 days. If I have not received this information please be under no illusions, I will be filing at the County Court against RBS for a Breach of Data Protection.

My details as of the closure of my account are as follows:

Name: Fiestychick

D.O.B.:

Address: .

Please contact me on the number listed above if any of the issues raised in this letter are not clear.

Yours Faithfully,

Fiestychick

Pretty clear I thought until I received this in response.......

Dear Fiestychick

DATA PROTECTION ACT - Subject Access Request

We refer to your recent correspondance requesting a complete list of transcations and charges applied to your account(s) under the Data Protection Act. In order for us to progree this request please supply us with the following:

The fee for this service is £5.00 which covers all accounts requested. Please supply a cheque/postal order made payable to 'Royal Bank of Scotland'. We cannot accept cash.

We have a different address on our records. Please advise us and your branch of your new address and when you moved so that we can update our records

Please provide us with a letter containing your signature as we need to verify this in order to release account information.

Joyce Tudor

Retail Regulatory Risk

HAHAHAHAHA - ARE YOU KIDDING ME JOYCE?????!!!!!!

I know this is ridiculously long and probably only interesting to me but here is the response. Any thoughts before I send on Monday?

Dear Ms Tudor,

Thank you for your letter dated 30th May 2007.

Please find enclosed all correspondence I have entered into with RBS since February 2007 when I initially requested my copy bank statements. As you can see I have requested a number of times that my address is amended on your records and have stated on four separate occasions that I have paid £10.00 to cover the fee for providing me with the information I have requested. As such I am stunned by your letter and my already dwindling confidence in RBS as my fiduciary is waning further.

I will summarise the issues I have had with RBS thus far and advise what I require from you:

1) I requested 6 years bank statements from RBS on 27th February enclosing a cheque for £10.00

2) I received bank statements from August 2003 to February 2007.

3) I called my branch and was asked to put my request in writing again – which I did (28th March).

4) No statements received by 10th April so I called my branch again. I was called back on 12th April and advised my statements had been re-ordered.

5) I received a letter from Sandy Watt (28/04/07) advising that my statements had been ordered.

6) On the 8th of May I wrote to Sandy Watt advising that I had still not received my bank statements and requesting my address changed for the fourth time.

7) On the 17th May I received yet more copies of the statements I already had been sent comprising August 2003 to February 2007. I entered into dialogue with Ms Watt via email and I was advised that my original account with RBS was closed when I changed from the Runcorn branch to the Huddersfield branch in 2003. She advised me she was unable to provide my previous account number, but advised me to contact my old branch (Runcorn) to request this.

8) I issued a letter to Runcorn RBS on 23rd May advising of the above and requesting my statements.

What I Require:

It has now come to my attention via the Consumer Action Group, of which I am a member, that I am within my rights to claim back all charges levied on my accounts with RBS. As such I require that you supply information regarding charges levied against any accounts I have had with RBS. It has already been a total of 94 days since I requested my bank statements and RBS is in serious breach of the Data Protection Act. As I advised in my previous letter 23rd May, I have thus far been extremely patient and I have allowed RBS extra time to provide the information I require in light of the information I have been provided regarding the switch over of my account. My patience however is now at an end, and your letter appears to be yet further proof that RBS does not know what it is doing with regards my request.

I issued my last letter on 23rd May 2007. This was confirmed as delivered by Royal Mail online tracking on 30th May 2007. I advised in that letter that I would give RBS a further 21 days to provide me with the information I have requested before I file proceedings with County Court for your breach of Data Protection. This would give you until 20th June to provide said documentation.

In response to the issues raised in your letter you advise that there is a fee of £5.00 to provide the information I requested. As I have already paid £10.00 (although I haven’t received the information I requested) please provide me with a refund of £5.00.

I look forward to your response.

Yours sincerely,

Fiestychick

Honestly you couldn;t make this up could you!

Well peepies hope you are all having a delightfully fabulous wekend

Love Fiestybird

Fendy a huge big CONGRATULATIONS!!!!

to you!

What a result, you truly deserve it after the hard work and graft you have put in. So so pleased, you give inspiration to the rest of us.

Well done - now get out in the glorious Yorkshire sunshine n go shopping!!

Love Fiesty

P.s. lend us a tenner....!

No worries Lush, jump on lol!

Thanks Rory,

Even if they took it as payment that would be fantastic to have that debt cleared as although I'm not chased for it anymore I don't like the thought that I have unpaid debts out there.

Would you know what address I would contact regarding this?

Many Thanks

Fiesty xx

Hi Folks

I'v been reading a number of the posts regarding claiming on Credit Cards. I had with RBS and I was defaulted and issued with a CCJ for this. Does this prevent me being able to claim on it? (I have never paid this off but they no longer contact me regarding this).

Card was opened when I was an 18 year old student and didn't know any better. If I was to claim:

a) how would I get the account number, I no longer have any correspondance re this?

b)would I be able to claim with an (unpaid) CCj on the card?

Thanks so much

love Fiesty

Cheers Michael,

I will send a revised list of charges to them and hopefully they will cough up!

Thanks honey

Hi Folks

Im doing a claim against Natwest for my OH. When I completed the schedule of charges I did this before I had checked the very helpful thread by Nattie re historic Natwest charges.

Beacuse of being unable to understand what the £12.00 he was being charged monthly was for as only said CHG on statement.

Anyway long story short I have sent prelim and LBA which is up on Wednesday. I know when I file on MCOL I can ammend to the correct amount have now worked out (approx 300 quid less than originally claimed) but I was thinking....

If Natwest don't ever go to court on this because they have to disclose how charges are made up, is it likely they will settle any amount to stop it going to court? i.e. should I leave charges as they are and feign ignorance????

Im not normally dishonest, promise!

T4FF - I think I love you!

You are completely right and I honestly have absolutely no qualms about going through the court process. The only reason I was a bit concerned is that my first letter wasn't a SAR as such. It just listed the account number and asked them to provide my previous six years bank statements....although thinking about it this is open to interpretation and they should really issue all information they hold about me......

hmmm.... me thinks you are right T4FF...I'll have a look at the info about claiming under DPA.

I agree also they are part of the same company. If they are dealing with these 'complaints' under the FSA rules and allowing themselves 8 weeks to resolve them then surely they should fully resolve the complaint.

Hmm..sod it Im filing. I want my info.

Hi Sparkie

I had a dream about the bank stealing your 2k last night and they said that you had loaned it to them cos they were poor (too much cheese before bed methinks!...)

Anyway, I've been trying to get infor from RBS for an account which was (they tell me) closed in 2003. They say as it is closed they cant access the info without my account number (which I don't have). Any advice?

I can't wait to log in one day and find a post saying Sparkie has Won!

Ok.....

Have been advised to write to my old branch and request that they contact the service centre and get them to find the account so I will do that but in the meantime will begin claim on the statements that I do have

fingers crossed for fiestychick!

Lol T4FF you are not the only one!!

I have been emailing Sandy all morning, who to give her her due has been really nice. She advises my previous account was closed in Aug 03 when I changed branches and as such I was given a new account number (my current one).

However, she says that a search on the system will only bring up 'live' accounts and they can only find closed accounts with the account number (which I don't have). She advised me contact my old branch as they may have the information. I did that and they said they can only access my current details and that the Service Centre should be able to give me the information (back to square one).

The only problem is that on my original request I gave my account number and requested 'all statements for previous 6 years'. Do you think it is worth re-starting and requesting all information held about me regarding charges to any accounts?

Any advice is appreciated

Love Not-So-Fiesty (morelike FeelingDefeated) Chick xx

Hi Tiggersmum (love the name)

It's so frustrating isn't it GRRRRR!!!

I'm just unsure of what to do next as RBS are now saying my account was closed and a new one opened at my new branch. They say they cant find the account without the old account number (which I don't have). I just don't know what to do next