SAR Follow Up

[fmc001]

Hi folks

 

I submitted my SAR to RBS on 14th March 2010.

I have had loans and credit cards all with PPI applied and I have some of the original statements and loan agreements but not all. Hence submitting the SAR. My credit cards and loans all ran between 1992 and 2002

I received a reply today from RBS in respect of the credit card statements.

They state "as the accounts have been closed for more than 6 years, we no longer hold information".

They did not provide any proof that the records have been destroyed even though I requested it in the SAR.

Is there anything else I can do or just accept that its out of time!!

 

Cheers

 

FMC

[alanalana]

Hello fmc,

 

RBS are a pain in the backside,

 

Please see this thread of my long battle and you will see that I managed to claim back several years. You may wish to use some of this information to back up your claim for information beyond six years. My Guess is if you apply more pressure through the FOS you will get a result. Please feel free to copy anything useful from my thread but using your own data to strengthen your case.

 

***RBS PPI Claim Long fight but, WON***

 

Long thread but I got back over £10k

 

good luck

 

aa

[fmc001]

alanalana

 

Thanks very much for your reply.

 

I decided to send them a follow up letter highlighting a few of the key points stated in my original SAR. I will put the letter in the post on Monday, however I have given them 14 days to comply and supply information previously omitted.

If they still fail to comply I will go to the ICO.

 

Cheers

 

FMC

[alanalana]

Hello fmc,

 

In my thread you will see I managed to claim back to 1997/8 so I recovered about 10 to 11 years worth of mis sold PPI. Do not on any account accept what they tell you. They will try and keep you off track to prevent you claiming what is rightfully yours ie Money they have taken through mis selling PPI on Loans, Credit Cards etc etc.

 

Keep at them. If they had my records back as far as 11 years you can bet they will also have yours. If they are adamant they do no have the records then put them to strict proof of destruction with the data protection officers signature attached to the certificate of destruction.

 

Make them work:eek:

 

aa

[fmc001]

alanalana

 

You must have read my mind.

 

Thats exactly what I put in my letter. If they are unable to provide the documents requested the I require proof of destruction, as per DPA.

 

I will let you know how I get on.

 

Cheers

fmc

[fmc001]

I submitted a SAR to MBNA looking to see if any PPI was attached to my credit card. To my surprise I received full details, dating back 8 years, including my signed copy of what appeared to be the original agreement

 

However much to my surprise and disappointment there was no PPI applied to the card.

 

However on the SAR paper work, at the account opening, I discoverd I transferred the balance of two old credit cards to MBNA. One for Lloyds and one for Morgan Stanley. The full credit card numbers were on the paperwork also.

 

As a result I sent a SAR to Lloyds but they say it is not one of their accounts and provided details of two other insurance companies to try.

 

I did a bit of research on line about the credit card number and the prefix, 546780 is definitely Lloyds.

 

Anybody any advice on this one!?!??!!

 

Thanks in advance

 

FMC

[rebel11]

If lloyd are saying it doesn't belong to them, but you know it does, you could speak to ICO, explain the situation and get them on the case. They will act on details given over the phone. They can fine Lloyds for not keeping proper records.

 

 

LloydsTSB - Beneficiary List

Edited May 8, 2010 by rebel11

[fmc001]

I finally received a reply from RBS, with regards to my SAR delivered on 16/03/2010, regarding my loans and current account dating from 1992. (The last loan finished in 2000 and I cannot ever recall closing the current account)

 

In their reply, which I think was laughable at least and very frustrating at most, they state all data older than 6 years will be destroyed in line with Group Records Management Policy. (Copy of reply attached)

 

I am now going to submit a complaint to the ICO but I cannot download any forms from their website.

 

Does any one have a copy of a complaints form, and if so could you let me know.

 

Many thanks

 

FMC

[alanalana]

I finally received a reply from RBS, with regards to my SAR delivered on 16/03/2010, regarding my loans and current account dating from 1992. (The last loan finished in 2000 and I cannot ever recall closing the current account)

 

In their reply, which I think was laughable at least and very frustrating at most, they state all data older than 6 years will be destroyed in line with Group Records Management Policy. (Copy of reply attached)

 

I am now going to submit a complaint to the ICO but I cannot download any forms from their website.

 

Does any one have a copy of a complaints form, and if so could you let me know.

 

Many thanks

 

FMC

 

see if this helps

 

 

Complaints about data protection policy - ICO

 

aa

[fmc001]

Hi folks

 

Took my eye off the ball slightly with my SAR's and I have let this drag on slightly.

 

I have a quick question I was hoping someone might be able to answer.

 

The accounts I require information on were closed over 6 years ago. The bank state they do not hold any info. I pressed them for proof of destruction and they replied:

 

"It is not bank policy to provide any information in relation to data deletion or destruction processes or procedures"

 

Must the bank provide a certificate of destruction or other suitable documentation?

 

Thanks in advance for your help.

 

FMC

[b3ckford]

Just a quick question.

 

Say if you had all the agreements but they said they destroyed it at there end, could you still claim?

[fmc001]

Hi

 

Just a quick update with regards to my ongoing struggle trying to get information under SAR from RBS.

My original SAR was sent off in March this year. In reply I received a standard fob off letter stating that as my loans, current accounts and credit cards had all been closed for more than 6 years they did not hold any information and that it had been destroyed.

Following advice from members of this forum I kept pressing RBS for proof that my records had been destroyed. This resulted in a game of letter tennis between myself and the bank over the past 5 months.

 

Low and behold after almost 6 months, and contrary to what they had stated in all previos correspondence I received bank statements dating back to 1995 (account opening 15 years ago) and a loan agreement dating back to 1999 (11 years ago). Unfortunately they have not provided any credit card statements so looks like as a last resort I will be heading to court.

 

However the purpose of this update is to inform people not to believe what the banks tell you. They will do anything to try and throw you. If banks tell you that they do not hold records keep pressing them and go on and claim what is rightfully yours.

 

FMC