Jump to content
elie1977

RBOS and Business account charges HELP?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3459 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

My girlfriends dad had 4 different accounts with RBOS up until 2005 when he got made bankrupt and the bank closed his accounts. Up to then he got charged on his accounts £38 a time for missed direct debits, but especially on his business account which he was a sole trader, which came up to quite a few £1000's in unfair charges. How do i go about claiming these back and what do i need to ask for when sending off for docs from bank. He also had 3 more personal accounts with this bank which were closed and he does not know if there was any charges on these as well. Any info welcome thanx.

Share this post


Link to post
Share on other sites

Hi,

 

He'd have to send a SAR to RBS for details of any charges on the personal accounts, this would cost £10 and would cover all accounts held by them.

 

Regarding the Business Account, I'll try find out more info.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Its possible that you can get statements by way of SAR going pre-2005-but as we have become aware,banks are restricting info to 6 years.

For the business account start a thread in the business bank forums.

Also would help if he has got any terms and conditions from the businerss account-business people often keep these things.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Share this post


Link to post
Share on other sites

My girlfriends dad had 4 different accounts with RBOS up until 2005 when he got made bankrupt and the bank closed his accounts. Up to then he got charged on his accounts £38 a time for missed direct debits, but especially on his business account which he was a sole trader, which came up to quite a few £1000's in unfair charges. How do i go about claiming these back and what do i need to ask for when sending off for docs from bank. He also had 3 more personal accounts with this bank which were closed and he does not know if there was any charges on these as well. Any info welcome thanx. forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifBank Charges You should have started your claim for your bank charges by now.

Don't wait.

You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements.

You should calculate all of your bank charges and related interest as far back as 1995.

You should send your bank a demand for a refund giving them 7 days.

You should commence your legal action adding 8% statutory interest.

If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge".

The repayment scheme will try to limit you to refinds from 2001 only.

A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them.

You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries.

 

Full and final settlement

 

Have you previously accepted a partial repayment of your bank charges in full settlement?

You will still be able to claim the rest of your money back after the Test case is decided.

Get all your information back to 1995 and put in your claim now.

forumbox_right_tile.gifforumbox_bottom_left.gifforumbox_bottom_tile.gifforumbox_bottom_right.gif

Share this post


Link to post
Share on other sites

Need more help troops, girlfriends dad as just had £10 postal order sent back to him today with no explanation and no info on charges or anything, what do we do now?

Share this post


Link to post
Share on other sites

Hi,

 

Give them a phone and complain, get them to tell you exactly where to send it, they are out of order.

 

Remind them that they should therefore provide the information under your request within 40 days from the date that they received your original request and payment. For clarity I would include the date by which the must comply.

 

Remind them that failure to provide the data by that date will result in a complaint to the Information Commissioner, and [if you feel you are confident enough] a court action under the Data Protection Act to force their compliance.

 

 

Regards.

 

Scott.

Edited by maroondevo52

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

cheers maroondevo52 he has just fetched the postal order over and the cheeky t**ts have filled his name on the back to send it to gift aid so now he is £10 down cos he might not be able to cash it or anybody else.

Share this post


Link to post
Share on other sites

I'd ask them to send you another, blank !!!


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

No he sent them postal order payee to them for £10 for all info under data protection act and they have sent the same one back and not cashed it but filled his name on the back to send to gift aid, so i do not think he will be able to send it back now, so he might be £10 short, should they now do it for nothing for defacing the postal order, and have you heard anything about the court case with the banks?

Share this post


Link to post
Share on other sites

Hi,

 

I'm trying to find out what's the best thing to do regarding the postal order. We were hoping to hear something about the test case in the next few weeks.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Just cross out the info they have filled out to invalidate it.

My guess is that they are taking the line that its an open ended request that does not satisfy the criteria as set out in the act-by the book a request has to be specific.

Citi Financial also used this to delay apps (there is a section that allows them )

 

You need to detail everything you want which then forces them to comply.

 

As regards the business caccount,since it was a sole trader,he can get that info with the same request.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Share this post


Link to post
Share on other sites

Cheers Martin3030 the SAR i sent was the exact same one off here which requests a comprehensive list of all default charges and if they cannot give that, then send statements, so then I think this is the correct procedure.And he was owed £1000's on sole traders account.

Share this post


Link to post
Share on other sites

Ok well if you used the CAG temp,then thats different and should have been sufficient.

I suggest that you send a new request with a covering letter (Which can be in the form of an additional wording in the opening lines as follows);

 

Dear Sir/Madam,

 

On the xxxxxx of xxxxxxx I applied to yourselves, under the DPA for a SAR.

My application,included the fee of £10 being the statutory payment.

I was extremely disappointed to have the application returned to me on xxx

and that the postal order has been reverse filled in to read xxxxxxxx

 

I consider this to be a breach of the DPA and will be filing a complaint with the ICO.

Once again,I submit the request and trust that you will process it in accordance to your obligations under the DPA.

 

 

I would file a comlaint with the ICO and send them a copy of your request,their response,and also a copy of the wording on the P.O.

Someone was obviously taking the P*** here.

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Share this post


Link to post
Share on other sites

A Data Controller does NOT have to accept the statutory £10 max fee for the S.A.R. to still be valid.

The 40 days before non-compliance starts from the day that they received the original request.

I would spend the waiting time researching the next step for both scenarios elie1977, just in case. ;)

:)


The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?




  • Tweets

  • Posts

  • 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
    • 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
        • Like
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 57 replies
×
×
  • Create New...