Jump to content
gillymac

gillymac v RBoS

Recommended Posts

Hi,

 

I'm so glad I found this site :)

I was a (not so happy) customer of the Royal Bank of Scotland for over 20 years and was regularly charged excess bank charges usually for going over my overdraft limit by a few pounds on the last day or so of the month.

It made me so mad but I didn't realise I could do anything about it (apart from move bank, which I've now done) until now.

Situation so far, is that I've applied for details of past charges but had no reply despite the 40 day period being up. The cheque for the £10 fee that I sent has been cashed. I've sent them a letter chasing them up which I'm waiting for a reply to. I know that the next step is a complaint to the Information Commissioner and/of a threat of court action. I'm a bit scared of doing that (big wimp that I am :) ) but hey, they deserve it.

Just wondered if anyone could tell me whether the 40 days runs from when I sent in my initial request for info ( in this case 27th April) or from when the £10 cheque was cashed.

Thanks

 

gillymac

Share this post


Link to post
Share on other sites

Hiya,

It is my understanding that the 40 day countdown begins when they recieve payment of the £10, which would be the 27th, if the countdown began when they cashed it they could simply not cash the cheque and therfore under no obligation to send you the DPA.

 

Good luck in your claim :)

Share this post


Link to post
Share on other sites

Thanks for that solowka. That's what I thought too.

Share this post


Link to post
Share on other sites

My £10 cheque was cashed on 1st June and I'm still waiting for the statements or details of charges. Original request for information was sent on 27th April.

Share this post


Link to post
Share on other sites

I think the 40 day reads as 40 working days if thats any help.Its in the FAQ's I believe.

Share this post


Link to post
Share on other sites

The 40 days is 40 calendar days.


Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Share this post


Link to post
Share on other sites

Well. I was wakened up this morning by a parcel company delivering my six years of back statements from the Royal Bank.

All I have to do now is plough through them to see how much I've been charged.

Share this post


Link to post
Share on other sites
Please fill in your quit date here

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?




  • Tweets

  • Our picks

    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • I was talked into signing up with Future Comms (future-comms.co.uk) who cold-called me to change my mobile contract to them, via 02, rather than EE. I have a small business (only me!) and it's a business contract. True, the 4G network is better for my area. This company seemed to be a marketing set-up for various telecoms companies, so I assumed anything I signed would be with 02 and didn't think it might be a problem.
       
      They sent an email whilst I was on the phone to set up the direct debit mandate with my bank which I signed electronically. That was the first, of many, problems I found. Apparently THAT was my contract, binding me to 3 years and no 'cooling off' period, because I was a 'business' (meaning any consumer rights did not apply). When I subsequently asked in writing for a copy of my contract, that is what they sent - when I argued it was a DD mandate they insisted it was my contract!
       
      2 days later they asked for my phone details to get it unlocked which I sent. 10 days later, EE closed my account, so I changed the SIM card to 02 that had come a few days before. No network! They had done nothing about unlocking it. Fortunately I was lucky with EE who managed to give me the right codes, rather than the usual 10 days to go through Samsung.
       
      By this time I was suspicious of their set-up and wanted to cancel. As I said earlier, I found myself trapped into a 3 year contract with no 14 day cooling off period (they don't offer that). Promises to deal with my complaints never happened, promised return calls neither....and on and on.
       
      Ofcom's rules apply to consumers and small businesses (under 10 employees), yet this shower don't acknowledge that. They just repeat and repeat that I am a business so it doesn't apply. To cancel the contract I have to pay the full 3 year's fees!!
       
      I would like to know if others have had similar experiences? Or does anyone know how I can maybe declare the 'contract' unenforceable? I have never before been locked into something without a clear written contract, with t&c's! And, yes, I have asked, and yes, I have been ignored.
      • 84 replies
    • Future comms!. Read more at https://www.consumeractiongroup.co.uk/topic/415706-future-comms/
      • 10 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
×
×
  • Create New...