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fiestychick

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Everything posted by fiestychick

  1. Agreed T4FF. As it is only my RBS loan that comes out of this account I will write to my branch manager I think instead of calling. As you say I can then get something in writing. The only thing I'm concerned about now is this threat to remove my cash card. I have my Child Tax and Child Benefit paid into this account which is to cover my loan payments. This does leave a bit over which I usually draw out after the 6th when my loan goes out. If they take my cash card away I won't be able to access my own money!
  2. Ok - as the saying goes - 'don't get mad get even'. I have drafted my non-compliance letter. Any thoughts please? LETTER BEFORE ACTION Section 7 – Data Protection Act 1998 Dear Sir/Madam Account: xxxxxxxx Dear Ms. Watt I write in reference to my previous letter to you dated 11/04/2007. I would like to begin by expressing my disappointment that you did not acknowledge my complaint, or apologise to me for the poor customer service I have received from the Royal Bank of Scotland thus far. Despite your standard response advising that my missing bank statements have been ordered (dated 28/04/07), I am still yet to receive said documentation. Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998. The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court. I feel I must also bring to your attention the fact that despite 4 written requests to the Royal Bank of Scotland (including one to yourself), my mail is still being sent to my previous address. I feel that this is a flagrant abuse of the security of my personally information and I ask again that you amend your records. Yours faithfully, Fiestychick
  3. T4FF thanks so much - the voice of reason lol! Im feeling a lot less angry about it today. I'm going to phone my branch on Tuesday and advise of the situation and as you have suggested request confirmation in writing that this will not happen again (good idea). Statements well outwith the time. Sandy Watts had written to me on 28th April advising she has ordered them (no mention of their non-compliance with DPA), I will draft a letter today regarding the non-compliance and have a look at the info on site about making a complaint to Information Commissioner. I knwo this is all just a diversion from the real issue -- getting my money back and I am now focussed back on this. Thanks for the kind words and advice - you're a love!
  4. It's just occurred to me, how conveniant that they would let me rack up all kinds of charges using my cheque book and card previously. Yet now Im claiming my charges they will 'withdraw the use' of my cash card. Bitter moi? Yep.
  5. Well the good old RBS strikes again!!! Grrrr.... am so mad:-x Note - this is a bit of a rant so please bear with me! In my complaint letter which was responded to by the lovely ms Watts, I advised that I have written to RBS twice advising that I have a new address and yet they still insist on posting eveything to my previous address (luckily this is my mums house). Since she has replied to me (without any apologies etc I might add), it would be reasonable to expect that this mistake would at last be rectified. But of course this is the RBS so no I'm still having mail sent to my mums. Which brings me on to my next issue....... At uni I had a £2000 overdraft with RBS. I continued to use this facility after uni and one day I was issued with £180 worth of charges in a single day for card misuse and for bounced d/ds. I was within my limit so queried with the bank and they advised that as it was 12 months since I finished uni my overdraft facility had been withdrawn! I was really scared as I was up to my limit and didnt have 2k to pay them back. I had never had any written communication from them. I was in tears in the bank and they eventually agreed to refund the charges and 'kindly' give me a loan to cover the o/d. In my gratefulness and distressed state I would have agreed to sell my kidney to pay them so I signed the agreement and went away feeling that RBS had really looked after me. But wait......I have repaid this loan back over 3 years I have 4 more payments to make. In total I will have paid back £3,000 on a £2,000 loan!! This is daylight robbery and I really feel they took advantage of me and gave me no option but to sign for this loan. Anyway, I digress..... My loan was paid on the 26th of the month. In August 06 I went on Maternity Leave and because of the way that dates fell I requested this was changed to the 6th of the month. I was told this would take 2 months (!!!). I said ok whatever and ensured that my OH put the money in my account. I had my baby in October and in November I went into the bank to ask why the date hadn't been changed for my loan as had been 2 months. I was told that it DIDNT take 2 months and could be changed right away. So that's ok. On the 26th November I noticed my loan had been taken out (they had said this might happen as not enough notice to change for that month). I went into the bank to check a payment wouldn't also be taken for the 6th of Dec they said it would be. I advised I was not going to make 2 payments within 2 weeks so she made the next payment payable on 6th Jan. However...I noticed in February that they again took a 2 payments one on the 1st and one on the 6th. I went into branch and was advised this was because I had missed December payment and they had taken another payment to make up the 'shortfall'. I advised I hadn't it had just effectively been made on the 6th of January (10 days later) as the payment date had been changed. I was then told the payment date should never have been changed. They said it was an error by Head Office and spent 3 days trying to track down the culprit (all the time hanging on to my cash). They couldn't find the person who had done it and eventually they paid me the £85.00 back into my account. In March - same thing happens. I went into branch and argued with the teller for 10 mins whilst she told me I had missed Decembers payment and it is their right to take this payment back without telling me. Eventually she understood I hadn't missed a payment and agreed an error had been made. However by this time I'd opened my 'parachute' account and had moved all d/ds etc. She advised me that my s/o had been canx and so it wouldn't happen again, but that I had to pay my RBS loan from my RBS account. In my naievety I believed her and agreed to set the s/o back up to begin in May so effectively April's payment had been made in March (2payments made) and so I'd be back on track. BUT NO.....The same thing has happened again and they have charged me £38.00 for the pleasure. I feel so frustrated I could cry. Also in the letter in states if I do not pay the money in to cover my loan payment within 10 days they will remove the use of my cashcard, so I will be unable to withdraw any money from my account!!! And still no bank statments. RANT OVER. off for a lie down and a quiet weep.
  6. ChloeJane and T4FF Thanks for your support and advice, you have been very helpful. I shall give until Wednesday for my statements to arrive ( I received a letter from our friend Ms Watt this Wednesday) and then I shall issue a letter of non-compliance. As for interest etc - sounds like lots of hardwork for no guarantees so I'll stick with claiming just my charges and point out that I have not requested CI or interest charges and the bank could save themselves a few quid by just paying out nowif (NO WHEN!) I get to the point of making a claim. Thanks all. Don't let the bas****s grind you down xx
  7. One more question folks, when looking through the threads I've heard claiming for 'contractual interest' mentioned. What is this and has anyone won this back? TTFN
  8. Thanks Sparkie that's really helpful. Where do I find the spreadsheet? Thanks again
  9. Oh my word. I've just read through the guidance notes letters etc on this site and now I'm scared!! I never thought this wouldbe an easy process but I didn't think I would actually have to attend court!!!!! Has this happened to anyone here? I really hope it doesn't get to this stage. Also I have some questions about interest. I found this site via moneysavingexpert.com and it advises on there to claim interest and gives an interest calculator but on here it says not to claim until you go to court? Does this mean I can only claim my charges and no interest etc when I approach my bank with my claim? I don't want to be greedy it just seems that they have been 'borrowing' my money for the last 6 years for nothing. Whereas I had a 3 yr loan with them to repay my 2k student overdraft and I will have ended up paying over 3k - where's the justice??
  10. Sparkie - If you can file this complaint against RBS, and keep it going despite their best efforts - you can do anything!!! Jope you do it, I'd like to read it in full. I spend far too much time on this site now reading about everybody's journey!!! I gues am just nosey!
  11. Sparkie - Thanks to replying to my thread. I thought I'd have a read of yours and see how you have got on and frankly it has made me want to weep! I truly hope that I don't have to go as far as you have with my claim. I am absolutely appalled that banks are able to act in this manner. I t appears we are still living in a Bourgouise society. Well done you for standing up for the little people and those in debt who are the ones who get shafted by the banks anyway. Have you had any renumeration from RBS yet? As for a title for your book I have a few suggestions.... [edit] (and other assorted stories). Incensed and Insensibility And my favourite - RBS is a [edit] bank - stay away from them they are [edit]. Wishing you so much luck and (patronising as it sounds) I'm so proud of you for contacting the police and for continuing with this when you must be drowning under a mountain of paperwork. I so hope you get somewhere. Best wishes xxx
  12. Thank so much for replying Sparkie In my 2nd letter advising I hadn't received all of the statements I quoted a template letter from moneysavingexpert site advising of the 40days etc. RBS obviously don't care about their customers, which leads me on to my next point..... I finally received a response from the complaints department late this morning. No acknowledgement of the poor customer service I've had to put up with and no apologies. Just a bog standard letter advising statements have been ordered and can only claim certain costs and not interest etc etc. So ANNOYED at their rudeness of not even an apology! I'm still their customer afterall. Anyway we shall see what happens..... Thanks again
  13. Thanks T4FF I realised after I needed to start my own thread and have now done so. I sent them a letter I found on the moneysavingexpert website advising under DP Law they had 40 days to respond. I finally received a response from the complaints department late this morning. No acknowledgement of the poor customer service I've had to put up with and no apologies. Just a bog standard letter advising statements have been ordered and can only claim certain costs and not interest etc etc. So ANNOYED at their rudeness of not even an apology! I'm still their customer afterall. Anyway we shall see what happens..... thanks again for replyin ) P.s. Mcuth Can I highly recommend you sent up a bank charge re-claim business - you would never need to work again LOL!
  14. I'm trying to make claim with RBS but I have now been waiting 10 weeks for my bank statements. They sent me 3 years worth then I rang the bank and they told me to put in writing again which I did. 3 weeks later I received nothing so I called them and was told they would order them 2 weeks later I received my statements and............they were the ones I already had!! I have made a complaint to their Head of Complaints and still no response. Does anyone know if I can make an estimated claim - I'm sick of them setting the timetable. Please help!!
  15. Michael - You are my HERO!!! I've just read your thread from start to finish and I'm extremely impressed. I didn't understand half of what you were going on about, but I think half the battle is making them think you do (and you did). I'm trying to make claim with RBS but I have now been waiting 10 weeks for my bank statements. They sent me 3 years worth then I rang the bank and they told me to put in writing again which I did. 3 weeks later I received nothing so I called them and was told they would order them 2 weeks later I received my statements and............they were the ones I already had!! I have made a complaint to their Head of Complaints and still no response. Does anyone know if I can make an estimated claim - I'm sick of them setting the timetable. Please help!!!!!!
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