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    • Evening all, Due to some family issues and other things going on, I've finally got a bit of spare time to be able to attack this again. Please can I just check with you that the below is sufficient to send to the Coventry address (the aim, I believe, is to get the 'real' data that includes details of the PPI I had back in the late 90s, as opposed to the data I received when I sent a DSAR to the Canada Square)?   Harry Weston Rd, Coventry CV3 2SH 25th May 2019  Dear Sir/Madam GENERAL DATA PROTECTION REGULATIONS - SUBJECT ACCESS REQUEST     Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time. Please note that I require disclosure of any personal data which you hold on me for the entire period of when I started banking with you from 24 January 1996  to 2013.        For reference, some of my past addresses include the below: xxxxx   xxxxx   xxxxx     This Subject Access Request includes - but is not limited to any data you hold about me in respect of any matter and held in any form including; statements, notes, screen notes, recordings, internal correspondence and external correspondence. For the avoidance of doubt, and as stated above, this Subject Access Request requires disclosure of ALL personal data which you hold on me for the entire period of my dealings with you up to 2013 There is no applicable fee for this data disclosure – unless you feel that my request is manifestly unfounded, excessive or repetitive – in which case you have a duty to let me know without any delay. Under the new GDPR regime, you must satisfy this data disclosure request as soon as possible and in any event within one month. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return however, you are not entitled to impose any formality upon me or to require that I complete any particular form or template before you comply with your statutory duty. Further to this, I have attached two of your recent communications to me at my above address as proof of my identity. I also require you to confirm to me that you are processing my personal data, how you acquired it, for what purpose you are processing it and also to identify all the parties with whom you have shared it. You are required to provide this information regardless of whether you believe that the substantive disclosure satisfies the conditions which permit you to impose a charge. I also required to know whether my data has been subject to any automatic processing which has resulted in decisions or suggested decisions being made in respect of me. Also, has my personal data been used in any way to categorise me or to place me on any lists. If so please explain. Finally, I should remind you that you have a duty to make clear the meaning of any codes or shorthand which you use in relation to my personal data. If I do not hear from you then I will assume that this Statutory Request is satisfactory and that the one month timescale has started. If you fail to comply with all of your obligations, I will make an immediate complaint to the Information Commissioner about your statutory breach – and without any further notice to you. This may also lead to legal action in the county court and a judgement will then be forwarded to the FCA. Yours faithfully,
    • good  thanks for telling us the full story. its better we know where we stand always.   get the last CCA return up into ONE multipage PDF please read upload. don't post as JPG's to your thread please
    • The decisions were mine.  I had alot going on back in early 2011. We had a fire in our home office and my wife had just started a new job.  I was trying to get my head around my business which folded at the end of 2009 and what to do as well as look after 3 daughters 16, 14 and 11. That was when I decided to use a DMP and let someone else handle a number of c/card issues for both my wife and me. I stopped the DMP around April 2017 and then realised that I would stop paying and push to see who had a possibly valid CCA. Most of the cards have been sold on and there are no valid CCA's so are not enforceable but may raise their heads again. Cbot have decided that the size of this makes it worth trying for  suppose so that's why I'm ready to get this resolved now. Non of the CAG team have given an opinion on this recon CCA yet.   Will pick this up again on Monday as not around over the weekend. Thanks for your help.
    • I have a notice of enforcement, dated 26/4/19! This was the correspondence i received following my response to Harrow council detailing my difficult circumstances and requesting time to pay over installments.  Following receipt of this Notice of enforcement I had the visit just a few days after and before the said date on the letter.   I will do as suggested and contact my local Councillor.   Is it worth me sending a text message to the bailiff i spoke to?    
    • For a Civil Debt they would have to have a Controlled Goods Order with the items properly listed and a copy sined by the debtor. before they could apply to force entry.
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • 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
    • 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
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
missm

MissM Vs. RBOS

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Sent my Preliminary today. Didnt bother with interest as its mainly been the last few months, broken car, last minute trips back home ect; Anyway since Feb 1 I have paid £757 in bank charges.... nervous because RBOS seems to like a fight after reading all the threads below...

Any tips? I sent my preliim to my local branch, should I send my LBA to head office? Or London?

 

Fingers crossed for everyone in stage 3!!!

 

Both myself and my partner are battling difficult banks-Cahoot for him who also seem to DENY DENY FOB FOB.

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Sent my Preliminary today. Didnt bother with interest as its mainly been the last few months, broken car, last minute trips back home ect; Anyway since Feb 1 I have paid £757 in bank charges.... nervous because RBOS seems to like a fight after reading all the threads below...

Any tips? I sent my preliim to my local branch, should I send my LBA to head office? Or London?

 

Fingers crossed for everyone in stage 3!!!

 

Both myself and my partner are battling difficult banks-Cahoot for him who also seem to DENY DENY FOB FOB.

 

They usualy defend then backdown at the last minute, yes send the LBA to the head office


:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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thanks for the advice!

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no responses, for me or my other half.

 

When i send my LBA should I use the london office address?

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No response, today is LBA day. Just a quick one? In one other the other threads where someone has a brother/sister/cousin something or other that works for RBOS they state that mention of media exposure could kick the behinds into action a bit faster. Should I maybe add a line to my LBA letter letting them know I will take this to local media?

 

Also, I sent my prelim to my branch, should i sent LBA their as well?

 

Cheers for helps! :)

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Oh another thing, I have incurred another 35 quid charge since my prelim, should I just add it on once I get to moneyclaim stage?

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just add it on to the LBA and send it to your branch, not sure about the media attention thing, they must be getting a lot of it at the minute!!


NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Thanks a lot!!

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Just got a letter stating that they are looking into it and I should here back within 40 days!!! funnily its from my branch...rubbish. Aug 22nd is moneyclaim day, can not wait!

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Stick to your timetable! they tried all this with me and I just ignored it and filed moneyclaim exactly 14 days after the LBA!


NatWest - Settled in full 22/05/06

 

RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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whoops mistake on the above post, turns out it was a letter from my other half's bank not mine.

So I am trying something different. I am quite irritated they havent even replied, even if it is a standard letter!

 

I emailed this letter to Tommy Mclean, Margaret King, and Carol Stickland this morning.

 

 

August 14th, 2006

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxSort Codexxxxxx

I am writing to you to express my extreme disapoinment in regards a claim I have filed against my branch and yourselves.

 

 

 

I sent a letter requesting a refund of all charges levied against my Interest Paying Current Account on July 24, 2006. I then sent another letter requesting again all charges be refunded on August 8th. Please note that both of these letters were sent via recorded mail and both were signed for at my branch, 45 Head Street, Colchester. I have attached a copy of both letters as well as the schedule of charges for your reference. The total I am claiming is £792.00

 

 

 

To date I have recieved no response or even recognition of my claim. I feel extrememly undervalued as a customer and am shocked at the lack of customer service I am recieving. I have always recieved prompt and polite service from my branch and from RBOS Telephone and Internet Banking.

 

However, due to recent media coverage, I now believe that your charges are a Penalty, penalty charges being irrecoverable at common law. It has been held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss.

 

However, if you say that your charges are not penalties, I would be interested if you would demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. I would be more than happy to receive this via email: blah blah blah @hotmail.com

I look forward to hearing from you and to a resolution of this. I will wait for until August 22nd as outlined in the letter dated 8 August 2006 then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

Thank you,

 

Miss M

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riggggggghto. not a peep from anyone at RBOS... Tuesday is MC!!! :)

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question

 

THIS: 17 Aug 2006CHG01AUG A/C 101XXXXX- 28.00

 

IS THIS UNAUTHORISED O/D? CHG

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It could be, depends on what kind of account you have.

 

RBS lump the charges together, my statements are littered with entries like yours above. It is not interest as that is preceeded by "INT" but it could be a charge of £12 for, say a Royalties Gold account (if you have one) and a unspecified "fee" of £16 but being charged together, totalling the £28 you have shown.


iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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nope, jsut plain old interest paying current

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In that case, claim it all, it is a penalty charge and therefore is unlawful.


iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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MissM,

 

some people seem to have been ignored, it must just depend on your Branch, Davidhannam got ignored, Hostie got a telephone call as letters arrived/dealt with! I made a point of keeping in touch with the Rugby Branch and dealing with the same person (which just happened to be the Dep Mgr). If you've got all of your statements then fair enough, you may want to look into a DPA Breach as well then, as per the FAQ/ Library...

;)

BC:p


Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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question

 

THIS: 17 Aug 2006CHG01AUG A/C 101XXXXX- 28.00

 

IS THIS UNAUTHORISED O/D? CHG

 

 

is it about 16 days after "end of charging period" ie when they send the statements? in which case it probably is. but its normally only a tenner for unauthorised overdrafts....or that may be just mine (graduate royalties)

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cool thanks!

 

Well I have a problem now, MC day tomorrow but I won't have the cash to file my claim until end of next week :(

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MissM,

 

most of us have been in the same boat, so just wait until the weekend, it will give you time to sort out your calim wording. You can start the claim and save it without having to cough up!! That way you can make sure you are happy with the wording and the number of words etc!

 

Then you can enjoy the satisfaction of sitting there on the 1st of the month with your mouse hovering over the submit button just relishing the fact that you are another step closer to your money!!

 

BC:p


Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Ho hum

 

got an email from TM this afternoon

 

Dear Ms M,

 

I am sorry that we have not yet responded to your correspondence. I am

afraid I can find no record of having received that of 24 July, but both the

later items were received here on 15 and 21 August respectively.

 

I am sure you are aware of the media comment surrounding this issue and, as

you can imagine, we are trying to cope with the increased volumes of

complaints surrounding it. Our regulator, the FSA allows us 10 working days

from receipt to respond to complaints and I will do my utmost to ensure that

we do in your case.

 

Please bear with us meantime.

 

Tommy McLean

Manager, Customer Relations

Ground Floor

The Forthstone

56 South Gyle Crescent

Edinburgh (Depot Code 045)

 

Tel : 0131 523 5116

Fax : 0131 523 8778

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OH,

 

I never realised that the RBS only had such a small staff and the bank cat working on this. Roll on the 1st, you'll get nothing of any worth before then anyway, not with the Bank Holiday inbound (sorry!):oops:

 

BC:p


Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Don't I already know it! ;)

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It must be the weather, I recieved a letter from Tommy Mclean on Friday morning offering a full and final settlement.... for my whole claim!

I hadn't even filed a MC???!!!

 

Just in time to book my holiday :)

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MissM,

 

you lucky B'hatech!! Bless you - spread some of your luck around will you, especially on Tomba90's direction!

 

But seriously,

 

Whay hey! Congratulations!:smile:


Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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