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Dear oh dear. RBS making it up as they go along!

 

A SAR is a legal request for them to supply 'Everything' that either has your name on, or is any such transcript regarding contact between 'you' and the 'bank'.

 

So if that is all they have supplied you, two random pieces of paper, then you MUST send them a LBA (letter before action) to tell them to fully comply with the SAR within the stated time limit laid down (40 days) or you will report them to the ICO for failing to comply with legislation and will be liable to a substantial fine.

 

A SAR should provide you with everything in relation to your account and dealings with this moronic bank since you opened the account, they are talking bowlarks...and hoping you don't know your legal rights.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Oddly enough this morning another package arrived via DHL no less, presumably the rest (or at least more of) the SAR. It's roughly the size of the Shanghai phone book, there must be at least a ream of paper of seemingly random nonsense all codes and meaningless tables (at least to me). I honestly don't know where to start.

 

I was really hoping they would just send a copy of all statements and make it easy for me to work out how many charges I've incurred over the years...but I suppose they don't really want to make it easy, do they?

 

Glancing through it I did at least get a chuckle, one of the sheets has my customer details and under the heading..."High net worth customer?" is a big fat "NO!"

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as for the PPI there is no time limit

 

it is from when you 'becamne aware' it was mis-sold [6yrs from that date]

 

statute of limitations act sec 32c applies

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx, that's interesting because I was unaware of any issues at all until I joined CAG.

 

I have started reading through some of the stickies in the PPI forum, unfortunately the information is quite overwhelming. I did however note this...

 

Before reclaiming or cancelling PPIlink3.gif you should have a look at the following Notes and see what type of PPI you actually have. Always consider all the facts and figures before starting a claim.. Whatever you do Do Not Just Jump In without researching your own policy, and don’t be afraid to ask for help / advice on the forums on CAGlink31.gif.

 

As you can see, RBS cannot locate any documentation relating to the loan so I am completely in the dark as to how to even start.

 

Any ideas on how to get the ball rolling so to speak?

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as post 3 ...send them a bombshell

what they are asaying it a load of rollocks

 

but if you could get an interest rate for the loan

we might just be able to work it out.

 

dx

.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I do know the actal figure of how much PPI I paid, it was just under £1000. I honestly can't believe I would have signed up for that level of insurance without being given all the facts. They also told me the account number and sort code to identify the loan and the start and end date.

 

However...because they have also stated they cannot locate any documentation about this loan I am unsure on what grounds to challenge the PPI. I am self employed now but not at the time of the loan. Is there a list somewhere of possible reasons for claiming back the PPI? What's the first step?

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see the notes for claimants sticky at the top of the ppi forum homepage

 

you'll still need the interest rate they charged though.

 

unless you know [PCM] the portion of your payments that was the PPI.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ah, ok. I (and apparently RBS) don't know that.

 

The loan amount was £6000, the PPI was £966. I presume (but can't be certain) that the PPI was added to the loan amount.

 

see the notes for claimants sticky at the top of the PPIlink3.gif forum homepage

 

Looks like my bedtime reading for the next few weeks is sorted then :)

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so that was 996 TOTAL [inc interest?]

if so divide that the no' of mts and you have your PCN PPI payment to calc from.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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