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    • You're like, super helpful and unhelpful at the same time lol.   What do I search for, I searched form 4, and nothing, I searched claiming compensation and nothing about this.   I can't find the top squares logo.   Can you post a link or tell me what to search.   Sorry if I'm slow.
    • use our custom google search box  click our top squares logo it should appear on that page   dx
    • Apologies, I haven't used a forum for years!!   I defo wish to keep the 2 issues separate, sorry!   My only issue I need help with is the increased compo for marstons - if possible.   I don't know anything about claiming compo etc. (I only recently found out one of the NHS biggest costs are NDA payouts)   I don't know what form 4 is; so far, they've offered £250 and I haven't accepted or denied it.   So yeah, can you forward me to some more info?   Also, usually I'm good at google etc. but I can't find many stories on this stuff, regarding PCN/TFL etc.   Thanks again!
    • ok things are getting clearer...   I've merged 2 of your posts for clarity and removed the swearing, (behave please) I've also taken down the two images you posted should you wish to post things up please use PDF so we can zoom easily and don't forget to redect them read upload carefully.   I think you need to continue to keep the two thing sep. those being increased compo for marstons- if possible ( if you are raising a form 4? complaint through the court - it might be better you don't? - they are very hard to justify and can be costly - so the fact it might not be moving forward could be a good thing, but listen to others here too) and the issue of the PCN wasn't justified - which you need to further expand on please.   the more info you post up the better please but please use multipage PDF files only and carefully redact them    
    • Thanks for trying btw! It's kinda in 2 parts.   1 is that the PCN wasn't justified in the first place and I wasn't aware it had escalated. I received the initial fine from TFL which I challenged and heard nothing back from (for 5 months). Then another letter from a separate PCN which made me email TFL to inquire what was going on but again, heard nothing back.   (BTW I can see how confusing this is so thanks again for trying)   So, I had no idea my car was at the risk of being taken - that's the first part.   No 2. is:   I got a phone call saying my car was on the back of a truck round the corner from mine (they hadn't left any notices or anything, and the car was parked directly outside my house). My friend said they were attaching the straps and securing it to the van (so I think they got it on the back of the van and moved it before securing it).   When I ran round the corner I saw the EA's van. I went upto it and asked what was going on. He was rude and told me to go away. Then after I kept knocking he got out the van and was aggressive and refused to ID himself or tell me why he had my car.   He shouted at me, was rude and unprofessional, he then left with my car. I complained to Marstons and asked for the bodycam footage.   They gave me the footage but it was clearly edited and cut short (because in the beginning of the footage he was the most aggressive).   They then told me he wasn't required to have the camera turned on when he's in the van, only when he's 'actively pursuing a warrant' and I was only allowed the footage I was in. (which is 2 different things) So I asked them to clarify which is true.   Anyway, I reviewed the footage and sent in my complaint (talking about what happened in the footage) They replied and said they watched the footage and disagreed with everything I said.   So I wrote a more in depth response with the CIVEA code to reference + the TFL EA guide etc.    Then they asked for more time, called me and finally apologised and admitted he had acted untoward and was in the wrong.   They then offered me the goodwill payment.   This has taken up weeks of my time, caused me serious trauma and PTSD and even after I complained WITH video evidence, they still initially denied it which means they officially lied, on record, while representing TFL.   I told TFL what was happening they said I had to continue with Marstons etc.   £250 goodwill isn't enough, the car cost £800 to get out, the suspension is messed up and I'd like to claim compensation for everything.   I don't know if that makes me sound like i'm money grabbing or whatever but they shouldn't be allowed to get away with it.   The police had to come before they could call an ambulance cause I was having a panic attack and it was a HORRIBLE experience.    So any help would be great please    I have the whole file from Resolver in a ZIP file but it's a lot of writing and I think you've read enough of my writing to last a life time!   I did a statutory declaration of OOT, got it signed by the court etc. but it was rejected.   I then tried to take them to court but it cost £250 I think which I don't have. You can get it for free if your low income but they wanted bank statements that I couldn't get. They're waiting for me to reply with documents to get a free court date.    did you receive any of the pcn's - was that why you appealed? - Yes, sorry!   unless it's trying secure a greater level of compo from marstons? - Yes, sorry!   For the record I just saw this pop up, read it and now feel much less guilty about my enquiry!
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Gilly35

RBS SAR missing details for PPI complete PPI reclaim - help pleas

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Hi

I wonder if anyone could help me.

 

I had an RBS Classic credit card that I opened in 1999 and closed in 2009.

 

I wanted to find out if I had PPI on the card so I raised a SAR.

 

It was returned in the first instance saying that I had given them insufficient information,

I had given them the last four digits of the card, dates the card was opened and closed, my full address that the card was registered to and my name.

The letter sent back said that without dates that the account ran for and without an account number they couldn't help.

 

I called the SAR team and asked what exactly was missing to be told that I must have been sent the letter in error as nothing was missing.

 

I sent another letter telling them to look again and that I had been told by their staff that I had given enough information.

I put the information again on the next letter, sent the previous letter plus their response and a copy of my council tax bill for proof.

 

They have come back again and said that they can not find an account under my name at the given address

and with the date of birth I gave and as the account was closed over 6 years ago they no longer need to hold any details..

 

..I never gave them my D.O.B and the account was closed 4 years ago.

 

..so my question is can anyone tell me that to do now?

Do I write back again?

 

I had a loan with them and a current account also which I have successfully claimed ppi on,

should I give them the account numbers for these in case they can link them?

 

I am imagining that they will send me everything they have on those two accounts and not the credit card though and I will be right back where I started.

 

Sorry if this post is long, new user and just finding my way. Any advice would be amazing

Edited by citizenB
missed information

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Yes, provide all the other info you mention – it’s in your interest to ‘help’ them identify your account. It’s of no consequence in terms of privacy or data, as you are known to them anyway.

 

They are obliged to retain records for a minimum of six years from the date the account was closed.

 

Make it clear that failure to comply will result in a complaint to the Information Commissioner’s Office.

 

Did they cash your £10 fee?


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Hi welcome to CAG,

 

Send it all again, this time addressed as follows,

 

Private & Confidential

The Data Controller

RBS Group

 

Marked Failure to Comply With SAR.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi, thank you for answering so quickly!

 

I had trouble logging back into the system last night to respond but it is letting me today.

 

Donkey B they returned the £10 postal order, I

 

will write another letter today and add all the other accounts.

 

Brigadier2jcs I will send the new letter marked as you have advised.

 

Can either of you tell me if I should give them a time limit based on my original request letter

or will I have to wait 40 days from the date they receive the new one?

 

Again thank you for your help it is invaluable :)

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Hi,

 

I wonder if anyone could help as I am not great with all of this. I am looking into PPI on an old RBS credit card.

 

I sent them a SAR request that they twice returned unable to find the details (even though the account was closed only 4 years ago)

 

after excellent advice from CAG members I received my statements today.

 

However the card was opened in 1999 and closed in 2009 but they were only able to supply me with some statements from 2003 / 4 and nothing else.

 

They say that they no longer hold the original agreement. How do I proceed?

 

Any help would be gratefully received

 

Thanks

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have you written back asking where the missing data is?

 

you can, use an avg of the PPI you know over the months you don't.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks for the response.

 

It says in the letter that anything missing is due to inactivity on the account or that they are unable to obtain them from their system.

 

Should I write back and ask them where it is or should I move to reclaiming the PPI?

 

As they do not have a copy of the original agreement will this affect my claim?

 

Also if they do not have a record of my statements then how much will they know to owe me?

 

Will they only pay PPI on the statements that they still hold?

 

Sorry for so many questions,

but I have read on other threads that banks can be really difficult in paying CC PPI and I don't want to make a mistake.

 

Also I am claiming the PPI because in 2004 I asked them if I had insurance on the card and they told me I didn't.

 

I was struggling to meet the monthly payment due to ill health.

 

Any help would be gratefully appreciated.

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Thanks for the response.

 

It says in the letter that anything missing is due to inactivity on the account or that they are unable to obtain them from their system.

 

Should I write back and ask them where it is or - yes ask them why the data is not available.

 

should I move to reclaiming the PPI? - no

As they do not have a copy of the original agreement will this affect my claim? - no

Also if they do not have a record of my statements then how much will they know to owe me? - read the FOS site

Will they only pay PPI on the statements that they still hold? - no they must abide by recognised stds [ an avg of the known PPI statements

Sorry for so many questions,

but I have read on other threads that banks can be really difficult in paying CC PPI and I don't want to make a mistake.

 

Also I am claiming the PPI because in 2004 I asked them if I had insurance on the card and they told me I didn't.

 

I was struggling to meet the monthly payment due to ill health.

 

Any help would be gratefully appreciated.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Great thanks, so I will read those pages and see what I can work out. So I should write back to the data controller and ask where missing information is. Should I give them a time limit?

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Also sorry to be completely inept but what exactly am I to look at on the FOS site...feeling like this is a minefield and I may have to give up : (

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Great thanks, so I will read those pages and see what I can work out. So I should write back to the data controller and ask where missing information is. Should I give them a time limit?

 

as already answered yes

give them 28days or 14 if you wish.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Also sorry to be completely inept but what exactly am I to look at on the FOS site...feeling like this is a minefield and I may have to give up : (

 

 

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi/redress.html


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Ah! Ok I understand now... sorry about that.

 

Ok I will write back to them and ask about the other documents and take it from there.

 

Thank you for being patient with me.

 

Is there a template letter for that on this site or will I just write the following:

 

Thank you for your letter dated 03/09/2013 in response to my recent request under the data protection act 1998.

 

You have only provided me with statements for account xxxxx for the period covering 05/2003 to 07/2004 and 11/2006 to 07/2009.

 

However the account was opened 09/1999 and you have stated that you are unable to provide me with any other statements

or credit agreements previous to this time due to inactivity on the account.

 

I would like you to provide me with statements from 09/1998 to 05/2003 and a copy of my original credit agreement.

 

If you are unable to supply me with this information I would like to know how my personal information was destroyed.

Youy have 14 days in which to comply.

 

Also I had an RBS current account at that time and I made switch payments to the credit card on a monthly basis,

should I ask for those as well or would I have to send another SAR?

 

Huge thanks in advance for your help it means a lot to me

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an sar should contain ALL info they hold on you

 

you should not have to beg for it.

 

that current account should be included too

 

above you said:

 

they were only able to supply me with some statements from 2003 / 4 and nothing else

 

so what you are actually missing is data outside of 6yrs which they might not now have?

 

and what about from 2009?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Yes that is correct the data that is missing is much older than 6 years and the account was closed in 2009.

 

I stupidly only asked for the data that they held on the credit card.

 

The data that they have sent me shows a zero balance at the start of 2003 and a cleared balance at the end of 2004

 

the problem is I know I had a balance on it before the zero balance in 2003

because I paid it off with a loan from them

 

then started using it again.

 

However from the data that they have given me it is made to look like I only had a balance for a year and that is incorrect.

 

So I take it there is no point in asking for the missing data?

 

And any ppi will be paid based on the 2003/04 period?

 

Thanks for helping D it is amazing that there is help from people like you out there :)

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aha more of the story revealed.

 

ok so the loan cleared the card so thus they are correct for that period being £0.

 

now of course, that loan would have had the PPI passed to it & more interest added too it. [rollover]

 

and you are saying you only asked for data for the CC?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi D,

yes the card had money on it from 1999 to 2003

 

then I took out a loan with RBS and paid off the CC.

 

I have successfully claimed the PPI on the loan and now I am looking into the credit card.

 

as it stands the statements that they have sent me only makes it look like there was a credit on the card for the period 2003/2004

however I know that I cleared the card in 2005 as my father paid it because I was in financial difficulty due to ill health.

 

what do I do now?

 

Do I just ask for the PPI to be refunded for the period 2003/04?

 

They seem to be making this as hard as possible

as twice they rejected my SAR and it wasn't until I came on here and asked advice that they finally relented

and very quickly sent me the information (note there was no change to the original SAR just advice on here to send it to the Data Controller instead).

 

I am now just a little suspicious of them and as to whether they have only sent me those statements

so that they only need to pay out for the period 2003/2004.

 

Your thoughts and advice on this would be amazing :)

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you say you got ppi on the loan back

 

was this just trusting RBS on the figure or it was know ?

 

if you cleared the card twice

have you got the statements showing those pay offs?

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Ummm I just trusted that the amount was correct and accepted the payout.

It was over £3000 so I just went with it...guess I just seen £££ signs.

 

the answer is yes I paid the card off twice and no I don't have the statements that was what I raised the SAR for.

 

I now have the statements showing from a zero balance (when the card was first paid off) then 2003/2004 of spending and payments then one statement for 2005 showing a zero balance.

 

They then gave me one statement per year from 2005 - 2009 all showing zero balance.

 

What do you suggest I do?

 

And thanks again for this D

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pers I would question them upon where the specific statements relating to

the two pay off are.

 

and why they can provide earlier/later date but no the statements showing those


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks D, will they not just fob me off with the 'inactivity on account...no longer hold information' line? Do you think I am wasting my time?

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well there WAS activity though

so no dice rbs!

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Just to let you know.

 

I used to work for RBS and I know that any docs any older than 7yrs is kept within the facilities and then they are sent to a central unit either in Edinburgh or Greenock.

 

I know of account details being kept for over 20yrs as I have personally had to deal with this for customers in the past.

 

It deffo not easy to get the info you require but there is no reason as to why you cannot get it.

 

They are just trying to get you to give in.

 

Also, my grandfather has successfully reclaimed on loans and credit cards from numerous lender and the cc or loans have been older than 10, 15 & 20 yrs.

 

Just keep at them.

 

Good luck x


MissyNA x

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Hi DX, good news!!!!

 

RBS have completed the SAR and sent everything through today!!!

 

So I have all the statements from the card opening.

 

They don't have a copy of the agreement so I have all my evidence

 

how should I now proceed?

 

Also I have a debt with M&S and the account is still live,

 

I sent them a request for all information on payment protection insurance on the card and said if they didn't have that

then I would accept statements instead.

 

The problem is I can't see any information that says insurance on the statements,

so I am confused, have I paid it or not?

 

This account is currently with a debt collection company instructed by M&S due to my illness and not being able to pay.

 

Any advice would be ace.

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ok time to fill in a spreadsheet then.

 

enter every PPI paymet you can find in tothis sheet

 

enter their int rate into cell d15

 

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that foslink3.gif will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitutionlink3.gif is claimed.

 

CISheet v101.xls

 

 

there is a link below to read too if you need help

 

link 2

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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