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I have started and sent my 2 initial subject access requests to Halifax, my prime bankers at present. I envisage their charges will total hundreds and are not particularly excessive. I am claiming merely on principle, eg. being charged £30 for going overdrawn by £1.24.

However I require advice about proceedings with the Royal Bank of Scotland with whom I had an account some years previously. I basically disappeared(had a lengthy period of ill health and "forgot" my account). This was in 2002, in 2006 I received communication from an independent company reclaiming monies on behalf of a debt with RBS. Now I am unclear as to whether this corresponds to the current account or a loan I had with them(this would have been coverd by insurance anyway). I am worried that if I send a SAR to RBS they may uncover further debts I have with them(ie the loan and I am currently paying off account debts). If it is that I am paying the loan off already then the current account will only be in debt due to charges that they have continued to apply whilst I was 'persona non grata'

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Hi Cherminate.

 

Please spend a couple of days reading the FAQs and the step by step guide. That will answer most of your initial questions.

Next, open your own thread in the Halifax forum and use that for all postings regarding that claim.

 

Regarding your problem with RBOS, I think you would be best opening another thread, but in the Debt and Bailiffs forum. You will be able to get advice on the best way to deal with it.

 

Click on this link for HALIFAX BANK FORUM....

 

Click on this link for DEBT AND BAILIFFS FORUM...

 

Good luck with your claim.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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