Jump to content

dannym99

Registered Users

Change your profile picture
  • Posts

    20
  • Joined

  • Last visited

Reputation

1 Neutral
  1. Hey all, Had an interesting letter this week! For those who don't know I've been very busy in my personal and work life and my discipline on the whole claiming lark had admittedly slipped. Nevertheless I had planned this week to get back on top of it and somewhat strangely RBS must've sensed my renewed enthusiasm and sent out my 'full and final offer'. It was quite a handsome amount (approx. 80% of total amount claimed exc. interest) and boy am I tempted. My predicament is that a) I need that money now! and b) I don't really have the time to start dragging out court proceedings in order to get the added interest (although I will if neccessary as I have waited this long to get to this stage!) My question therefore whether I should call them and say that I'm disappointed with their offer, although if they can make the full payment immediate affect I will not continue with the proceedings or seek interest. Do you think they will go for this compromise? If they don't then I am perfectly happy to continue to the death and get the full amount, although I really could do with that money now. One thin's for certain though I won't be accepting their 'full and final' offer. I want my full claim amount or I will be taking them to court and seeking interest.
  2. Thanks for that Bookworm...very useful and reassuring. I had suspected that I would have to repay it but it's useful to know that they should deem a reasonable offer of monthly repayments as a way forward. I will certainly let you know how it progresses. Thanks again.
  3. Hi there, I used to work for my local council. A few months after I left (Ihad found another job) I got a letter saying that I had been over-payed on my final salary payment (this totalled around £400). At the time, I genuinely hadn't noticed this because it was at a time when I had quite a bit of savings in my account. Anyway, now, at a time when I can't afford it, they are demanding that I repay this 'overpayment' and I have received a letter saying that if I don't pay within the next 7 days they will start court action. I may be able to compromise with them and pay monthly perhaps, but my anger stems from the fact that ultimately this was their mistake. Where do I stand on this...do I have to pay it (it has come at an extremely bad time as I've just bought my first place and I've outgoings left right and centre) or can I refuse because it was their error not mine? Advice please!!
  4. Just got a response to my Data Protection SAR for my closed (2006) Barclaycard account saying: "Further to your request for personal data held by Barclaycard, we do not have any information relating to the card number you have supplied... If the account has been closed it is possible that the information has been deleted from our systems and therefore, will not be available" Cheeky b*****ds! Surely this cannot be the case...the can't just wipe all statement history as soon as your account is closed? What would you do now...your thoughts and advice please!
  5. Right - it's gone! I've just posted my Prelim approach letter recorded delivery to my local branch manager as you suggested. I've also included all charges that are shown in my statement - they do just go over the 6 year stage so lets see what they've got to say about that! 14 days and counting!!
  6. No worries, thanks for the advice! I have tipped your scales accordingly my friend!
  7. The 6 years you can go back - is it.... a) Six years from today? i.e. Back to April 2001 b) Six years from when my first S.A.R - (Subject Access Request) was sent, or.. c) Six years from when my account was closed? Who does the prelim approach letter go to - the same person who provided your SAR statements (Joyce E Tudor) or a different dept.?
  8. The 6 years you can go back - is it.... a) Six years from today? i.e. Back to April 2001 b) Six years from when my first SAR was sent, or.. c) Six years from when my account was closed
  9. Sorry for the bombardment - one more thing....my account was opened in September 2000 - just over six years ago. Should I go back that far or should I play it safe and stick with the six year threshold?? Cheers
  10. Oh my God..I got my statements today!! For those of you who don't know it has taken me (on and off) since November last year to get my full list of statements. After many a fob off letter and none responses they finally arrived today! Right....next stage....I'm on a role - calculating charges. Which are applicable - I understand that I can't claim for pre-arranged charges i.e. Royalties but what about the following: "Referral charge for October" - £20.00 "Card Misuse" - £20.00 "Charge to 14 Jun A/C xxxxxx" - £10.00 "Unpaid Items Chq / S/O" - £30.00 Are there any other abbreviations apart from CHG in my statements that I should look out for - any hidden charges they might have disguised as something else?? Finally if someone could send me a link to a good, simple excel charges calculator and tell me which letter I need to send with the breakdown of charges (presuming that this is the next stage) I would be eternally grateful! Getting stronger....chins up those of you who are getting fobbed off - you will get there don't let them grind you down!! Dan;-)
  11. You're a star Rory - I really appreciate your help - I will crack on with that!
  12. After two failed SAR attempts despite RBoS, I sent a recorded letter to both Joyce E Tudor and the local branch manager of my former bank manager giving them 7 days to send me my statements. I ended my letter: "If I have received nothing within the next 7 days, using the cashed cheque as evidence you have exceeded the 40 day window within which to respond, I shall be filing an official complaint to the Information Commissioner’s Office, the Financial Ombudsman and 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." Well...7 days is up this Friday and still no sign of my statements. I was just wondering how I go about carrying out my threats - I know how to make a complaint to the ICO, I have been on their website, but more importantly how do I go about making a complaint to the Financial Ombudsman (who are they exactly - do they have a name?) and how do I go about seeking a Court order for them to release the information? Or would you go about it a different way?
  13. PS You'd have thought.... Data Protection Act 1998 Subject Access Request ...at the top of the letter might have been sufficient enough for them to realise what I was asking for - I can't make it much clearer than that!
  14. I have just sent two letters off recorded delivery - one to Joyce E Tudor @ Edinburgh and one to my local branch manager stating that unless I receive my statements within the next 7 days I shall be filing an official complaint to the Information Commissioner’s Office, the Financial Ombudsman and I shall seek a Court order obliging them to do so together with damages at the discretion of the Court and without any further notice...Hopefully they will get the message!! I will let you know how it goes!
  15. Thanks for all the great advice - I think as neither of my SAR letters were sent recorded delivery, I will use the cashed £5.00 cheque as evidence that they have exceeded the allowed 40 day timeframe. I think I will write a letter and this time send a copy to both Joyce E Tudor at Retail Regulatory Risk in Edinburgh (who my former correspondance was from) and my local branch manager (the name of which I have just got hold of after a cheeky phone call) and hopefully either one of them will pull their finger out and get the statements sent to me. I am thinking of stating that I am conscious that they are using delaying tactics and that unless I receive my statements within a final 7 day time frame I will consider this non compliance to the Data Protection Act and that I will file a complaint with the Information Commissioner’s Office and the Financial Ombudsman and consider filing a court case in order to release the information - what are your thoughts?
×
×
  • Create New...