Jump to content


  • Tweets

  • Posts

    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

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


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3831 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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
Link to post
Share on other sites

  • Replies 82
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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?

Link to post
Share on other sites

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:

Link to post
Share on other sites

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 :)

Link to post
Share on other sites

  • 2 weeks later...

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

Link to post
Share on other sites

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..

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... 

Link to post
Share on other sites

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.

Link to post
Share on other sites

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..

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... 

Link to post
Share on other sites

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..

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... 

Link to post
Share on other sites

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..

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... 

Link to post
Share on other sites

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

Link to post
Share on other sites

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..

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... 

Link to post
Share on other sites

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 :)

Link to post
Share on other sites

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..

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... 

Link to post
Share on other sites

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 :)

Link to post
Share on other sites

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..

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... 

Link to post
Share on other sites

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

Link to post
Share on other sites

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..

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... 

Link to post
Share on other sites

well there WAS activity though

so no dice rbs!

 

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... 

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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..

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...