Vonnie V RBOS (what next)

[vonnie32]

What do I do? Sent S.A.R - (Subject Access Request) on 10/8 still no correspondence received nearly a month later and the £10 chq has not been cashed, sent other S.A.R - (Subject Access Request) the same day and the chq is cashed and confirmation received they are dealing with my request.

 

Do I have to start all over again and issue another SAR? or do I write with a copy of my original SAR and hold them to the 40 days from 10/8?

 

Any advice appreciated

 

Thanks

 

Vonnie x:rolleyes:

[BigCol]

Vonnie,

 

where did you send the request in to? If you sent it to your Branch, give them a call, they may deny receiving it (which you can't prove unless you have proof of postage/receipt), but they may be able to arrange statements over the phone (they did for me and waive the fee). I wouldn't expect any correspondence otherwise until the statements arrive! A quick call would be a good starting point to check they recieved and are 'working' it. My Branch told me it could take up to 14 days to produce 6yrs statements and for me to get them in the post.

 

BC:p

[seaweasel]

Phone head office on 0131 556 8555 and ask for the Retail Regulatory Risk department, they deal with Subject Access Requests and should be able to tell you whether they've received it and if it's being processed.

[BigCol]

They'll only know if the Branch sent it on or it was sent to Customer Services though. Where did you send your request into Vonnie?

 

BC:p

[vonnie32]

Thanks for the quick response guys here's were it was sent to as advised!

 

THE GROUP SECRETARY

THE ROYAL BANK OF SCOTLAND GROUP PLC

36 ST ANDREW SQUARE

EDINBURGH

EH2 2YB

 

Will I be able to call the Retails Risk Dept? or am I back to square one, I have no proof of postage...didn't think I would need it for a SAR...silly me EH!!!

 

I do know that both SAR's were sent on the same day from the same post box at the same time, one seems to have made it's destination fine, the other seems to be lost or conviently misplaced or they are soo busy dealing with everyone elses requests that they are doing what the CSA used to do and just throwing piles of mail away that they can't be bothered dealing with....sorry for the sarcasim but I am throughly fed up with RBS after nearly 20yrs as a customer, i've finally had enough!

 

Thanks again folks and sorry for the rant

[BigCol]

If that's the case I would give the Retail Risk people a call, if they deny knowledge I would start again via your Branch, I don't really see what else can be done I'm afraid. If you end up going through your Branch, you can always hand deliver your SAR and you may find the Branch provide your statements within 10 days.

 

Sorry for the no so good news:oops:

 

Best of Luck

 

BC:p

[smoorach]

further to big cols post vonnie if you do have to hand another request in get a receipt this time round. you may find at the branch they dont like giving them but stick to your guns and good luck

[BigCol]

Oh Damn right,

 

don't leave until they give you a receipt. Just imagine the look on their pretty little face as they read your letter!! It's well worth it, just don't be mean to them, they only work there!!

 

BC:p

[vonnie32]

thanks guys, but you won't believe this.......had a pretty bad nite last nite my poor baby (8months) was unwell so as you can imagine I didn't have time to phone RBS....but....there I was sitting in the chemist waiting on my prescription when low and behold the RBS called me!!!!

 

Asked a rather stranged question about me visiting another branch??? strange and I started to think "oh no someone has used my a/c for fraud or something" but no my statements had been sent to my branch via a branch 100 miles away which I have never stepped foot in....all rather strange if you ask me..

 

Anyway upshot is I now have my statements and a claim to put to RBS for £1100 for one account alone....don't even want to think about my business a/c that will be a whole other ball game.

 

Hope to head off on holiday on Sunday (all being well with the little one) but will ensure I send my letter off to RBS before I head off, asking nicely for my cash back...thank you very much.

 

Thanks Guys appreciate your support and glad it didn't turn out to be too bad after all.

 

Vonnie x

[vonnie32]

Well surprise surprise have received reply from RBS thanking me for my faxed letter......I didn't send a faxed letter ???? Basically saying sorry to read of your dispute but our charges are not unlawful or unfair and are in accordance with our agreed T&C's. We have reviewed the OFT report but any revised charges are only for credit cards.

 

Therefore your not getting any money

 

Yours sincerely

Andy Sinden

Group Customer Relations

 

Oh well will need to send off LBA tomorrow and pop into the court to pick up my papers as it looks like it will be much better to have them prepared over the next couple of weeks rather than rely on RBS coming to their senses.

 

Will have to seperate my claim though as it is over the £750 limit for small claims in Scotland, so any advice in this respect much appreciated folks.

 

Cheers

Vonnie

[smoorach]

hey vonnie i put my claim into summary cause as court advised this was best course of action. it does carry an element of risk in that IF you lose you MAY be liable for upto £750 cost to the other side. however i was assured this risk was very near zero as a judge would not really find against a lay person for a major financial institution for costs. i got paid very quickly after putting in my summary cause so heres hoping if this is the route you choose its the same for you

[vonnie32]

Court papers in and date set for the 24th May so far no response from RBS but I believe they are masters at putting things into the court at the very last minute.

 

Just a waiting game now.

[vonnie32]

received offer this evening by e-mail 3 days before calling to court, they have offered full amount and fees but they have asked me to accept this as a full and final settlement, but I had to split my claim due to the amount involved.

 

Just wondering how I should word my reply to them given that I would like to accept their offer for the current claim but I fully intend to submit a further claim for the rest of the charges?

 

Any ideas????

 

Cheers guys couldn't have done it without all the support on here (I nearly caved in when the court said they were going to defend! lol)

[vonnie32]

Any ideas anyone I need to reply tonight or call them tomorrow and I am worried I get the wording of my letter wrong and then can't put forward my other claims against them!

[clakkers]

Any ideas anyone I need to reply tonight or call them tomorrow and I am worried I get the wording of my letter wrong and then can't put forward my other claims against them!

 

Vonnie...

 

Were new to this pretty much, but in respect of your question above, you can word it something like ' without prejudice'...

 

You need to search further in these forums or indeed moneysavingexpert.com, where there are other useful posts...

 

The wording basically allows you claim further costs/ unlawful charges without signing your rights away...

 

Well, please look further, this is only my rough belief after much reading...

 

Good luck...

[vonnie32]

cheers clakkers I'm trying to sift through to find info but I am going square eyed!!!! lol

[clakkers]

Allo

 

Well, weve just took a look too, and were struggliing to find it too...

 

Will look tomorrow night again...

 

If you find it, let us know!

 

Regards...

 

Clakkers

[vonnie32]

will do but losing the will to live now.....

[clakkers]

received offer this evening by e-mail 3 days before calling to court, they have offered full amount and fees but they have asked me to accept this as a full and final settlement, but I had to split my claim due to the amount involved.

 

Just wondering how I should word my reply to them given that I would like to accept their offer for the current claim but I fully intend to submit a further claim for the rest of the charges?

 

Any ideas????

 

Cheers guys couldn't have done it without all the support on here (I nearly caved in when the court said they were going to defend! lol)

 

Vonnie32

 

We may have found something for you, if a little late...

 

Moderators, apologies as this points to another site's thread, but just trying to help out...

 

Both sites offer invaluable help, but sometimes, Its so difficult to see the wood for the trees...

 

help with letter refusing goodwill gesture please - MoneySavingExpert.com Forums

 

 

Hope this isnt to late...

[vonnie32]

Thanks Clakkers I just sent them an e-mail saying I will have the cash thanks but not your terms. So they've been back on the phone and we've been negiotiating a deal....looks like I could have it all resolved soon.

 

On the up side they are considering settling all my claims at once!!! yeh.....keep your fingers crossed.

[vonnie32]

Question about 8% interest folks. The bank claim that they will only pay the 8% from the date the court papers were served but I thought that once it was in the court arena we got the interest backdated to when the cash was taken from our accounts.

 

Can somebody put me straight here?????

My brain hurts.......

[vonnie32]

Problem with negiotiating the interest, I thought since it has got to the court stage I was entitled to claim the 8% interest from the date the charges were taken from my account.

 

However the bank are claiming that the interest is only payable on the charges from the date the court papers were served.

 

Can anyone advise what the correct position is please????

[vonnie32]

Anyone???? I need to e-mail them tonight and I need to contact the court to delay tomorrow's hearing and I don't want to do that if they are going to mess me about over the interest.

[clakkers]

Problem with negiotiating the interest, I thought since it has got to the court stage I was entitled to claim the 8% interest from the date the charges were taken from my account.

 

However the bank are claiming that the interest is only payable on the charges from the date the court papers were served.

 

Can anyone advise what the correct position is please????

 

 

Allo Vonnie...

 

Erm, like i said, done a lot of reading...this link may help, late again i know, but the info is there to be found...

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/42749-bit-help-you-rbos.html

 

Its just can be a real pain to find...after 20 mins my eyes are ready to shut!

[vonnie32]

Well I decided to go to court even though the bank said not to bother, the sheriff was really nice and very helpfull and the banks representative was how could I say less than dynamic! lol

 

So I asked for another hearing in a couple of weeks to allow us time to settle.