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maxibon

Maxibon Vs RBOS.....Round 1

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Thought I would start of my own post seeing as I am going to relish this I want to savour every moment!!!

 

Posted Data Protection Act request for statement RBOS recvd 28/01/06 They now have till the 05/02/06 to respond.

 

I know that our bank charges alone on 1 account for the past 5 months totalled 913.00gbp so I am looking forward to working out the total amount.

 

I had 2 accounts, 1 which is a joint account ( myself and my boyfriend) and another which was my sole account. I originally asked them to close my sole account once the joint account was set up ( cancel all DD's etc ). They didnt do this as apparently I was 2.00 Overdrawn. They didnt inform me of these and started charging right away!. ....It has ended up at around 650 to date ( all charges ) which they then defaulted as I would not pay. :p

 

This then caused them to close out joint account and take our overdraft away ( on pay day as well the sneaky sods ) so we had NO money over christmas. My boyfriend rang to find out what was going on and they breached DPA big time and gave him all the info on my SOLE account included the fact that I had defaulted, settlement figure etc.

 

Needless to say I called 3 times to speak to a manager and got no response even though I explained about a serious breach of data protection....Nothing! :-x

 

I had had enough and reported them to the Information Comissioners Office. I then receive a phonecall from someone who was obviouslly just been told to collect the outstanding monies ( she had to put me on hold while she read the case notes as didnt have a clue what was going on). I said I am not paying and You have breached DP too. She was very timid after that and said apparently somebody would contact me within 2 weeks to offer a settlement figure and sort out the DP breach. I confirmed I had already requested my bank statements and would be pursuing this further.

 

I think she realised where this would be heading nevertheless I will wait and see what crap offer they will make verbally but still pursue this to the end. Bad treatment and no help from them at all has made me want to go all the way with this. :lol:

 

I hope that all people who are trying to get back these unlawful charges do so and I wish you all the best of luck. :)

 

I will be donating to this site as soon as I have access to a switch card and would encourage others to do so as its an excellent and very helpful site....xxxx


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Hi Maxibon.

 

Chase this as far as you can.

Penalty charges.

Breech of Data Protection Act.

Retaliatory closure of bank account.

 

Make sure that all your claims include removal (not mark as satisfied) but total removal of all defaults as these were caused purely by the unlawful penalty charges.

When it comes to settlement time, unless settlement includes removal of defaults then refuse and insist on court.

 

When they see that you mean business they'll back down.

 

Good luck with your claim.

Regards, Rooster.

  • Haha 1

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

 

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Hi Maxibon.

 

Chase this as far as you can.

Penalty charges.

Breech of Data Protection Act.

Retaliatory closure of bank account.

 

Make sure that all your claims include removal (not mark as satisfied) but total removal of all defaults as these were caused purely by the unlawful penalty charges.

When it comes to settlement time, unless settlement includes removal of defaults then refuse and insist on court.

 

When they see that you mean business they'll back down.

 

Good luck with your claim.

Regards, Rooster.

 

Hi Rooster,

 

Thanks for the advice and encouragement! I intend to make sure there is not a mark on our file due to this and will be more than happy to take it to court if need be. When you say 'Retaliatory closure of bank account' What do you mean? I understand to fight back as they have closed our account due to this but we would not want to bank with them again so would this be applicable??

 

Thank you again:)


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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RBS seem to be very good at breaching the data protection act in a big way. They did this to a friend of main, which cost him a lot of money. He is now suing them for this breach and the information commissioner is every interested in his claim they are looking in to prosecuting the data controller. For such a big bank they really haven’t got a clue.

I would report the breach to the information commissioner

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This then caused them to close out joint account and take our overdraft away

To close the joint a/c because of a problem with the sole a/c is retaliatory. If there were no problems with the joint a/c then there was no reason to close it.


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.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

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Forum Rules.

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RBS seem to be very good at breaching the data protection act in a big way. They did this to a friend of main, which cost him a lot of money. He is now suing them for this breach and the information commissioner is every interested in his claim they are looking in to prosecuting the data controller. For such a big bank they really haven’t got a clue.

I would report the breach to the information commissioner

 

I have already done so as they didnt seem to take it seriously when I called 3 times to speak to a manager. What is everyones thoughts on further action against the banks for the effects of what they have done.. I.e when they closed our joint account this took all of our paycheque leaving us with no money to pay our mortgage so we have fallen behind with it?

 

Just intrigued to know if anyone has done this as yet?:???:


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Anyone know about this? Whether anyone has sucessfully claimed for 'damages' so to speak?? Any Help appreciated....xx ;)


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Afternoon all... hope we are all having a good day so far! ;)

 

I am asking for refunds on 2 accounts with RBS and have recvd the statements today for 1 account and the charges total £4095.91 pence.

 

I wanted to check I am doing things right basically. I have read through so many posts and the step by step guide etc but just want to be sure on 2 things..

 

1) Can I claim for referral charges as we seem to have some at £90 one mont h and £60 the next and so on? :???:

 

2) Also do I add any form of interest to these charges as yet as there has been some discussion as to what amount of interest to be added. I understand you calculate the 8% at court stage ( hope I am right!) but want to be sure I am claiming ALL I am entitled to? :?

 

All help and advice much appreciated!!!

 

:D


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Anyone out there to help me with the above as I am keen to send off my Prelim today.!!

 

:D xxxxxx


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Evening all please could I have someone confirm that the action I am taking in claiming 18.9% interest rather than the 8% is okay as I read in BF's thread and confirm the below is okay as well!!

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last 5 years.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

What I require

 

I calculate that you have taken £4095.95 plus £3321.81 which I have calculated is the interest at your rate (18.9%) for Authorised borrowing for the sum which you have taken from me, I would like to add I could claim at the higher rate of 29.8% but have decided as a gesture of good will and to resolve this matter sooner to opt for the lower rate.

The Total is therefore £7741.34 .

I enclose a schedule of the charges which I am claiming with this letter.

 

Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

 

In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.I would wish it noted also that if need be I will pursue my claim via the courts.

 

All okay? Or should I amend anything? :???:

 

Just wanted to know when I have worked out my interest I have purley worked it out on the overall figure not my day of month. Is this correct? :?

 

Help appreciated!

Thanks


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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bump


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Bumpity bump bump :?


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Oh Well I decided to edit it myself and went ahead with the below

RBS LITIGATION

1 PRINCESS STREET

LONDON

EC2R 8PB

 

6th January 2006

 

Dear Sir or Madam:

 

Reference: xxxxxxxx

 

My request

 

I am writing to ask you to refund to me the charges that you have levied from our account over the last 6 years.

I now understand that the regime of fees that you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

Your responsibilities

 

I would draw your attention to the terms of the contract, which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner that complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

What I require

 

I calculate that you have taken £4346.23 plus £1090.47 which I have calculated is the interest at your rate( 16%) for Authorised borrowing for the sum which you have taken from me.

Total £5436.70.

I would like to add I could claim at your higher rate of unauthorised borrowing but feel that as a gesture of goodwill I will opt for the lower charge.

I enclose a schedule of the charges, which I am claiming with this letter.

 

Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity’s caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

 

My targets to resolve this matter

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment by cheque.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. I would wish it noted also that if need be I will pursue my claim via the courts.

 

I look forward to a quick response.

 

 

Yours Faithfully

 

 

They have till the 20/01/06 now as I emailed it over and will post hard copy today too..:D :D

 

Ohhhhhh its going to be good fun ..

 

Bring it on Mr Tommy McLean!!!! :D


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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:D Oh Well I decided to edit it myself and went ahead with the below

RBS LITIGATION

1 PRINCESS STREET

LONDON

EC2R 8PB

 

6th January 2006

 

Dear Sir or Madam:

 

Reference: xxxxxxxx

 

My request

 

I am writing to ask you to refund to me the charges that you have levied from our account over the last 6 years.

I now understand that the regime of fees that you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

Your responsibilities

 

I would draw your attention to the terms of the contract, which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner that complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

What I require

 

I calculate that you have taken £4346.23 plus £1090.47 which I have calculated is the interest at your rate( 16%) for Authorised borrowing for the sum which you have taken from me.

Total £5436.70.

I would like to add I could claim at your higher rate of unauthorised borrowing but feel that as a gesture of goodwill I will opt for the lower charge.

I enclose a schedule of the charges, which I am claiming with this letter.

 

Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity’s caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

 

My targets to resolve this matter

 

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment by cheque.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline. I would wish it noted also that if need be I will pursue my claim via the courts.

 

I look forward to a quick response.

 

 

Yours Faithfully

 

 

They have till the 20/01/06 now as I emailed it over and will post hard copy today too..:D :D

 

Ohhhhhh its going to be good fun ..

 

Bring it on Mr Tommy McLean!!!! :D


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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Hope someone is able to help you with this.

 

I've just read through your posts on the 'Debt and Bailiff advice' where you are giving invaluable ex-insider advice to others.

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Thank you for your knid words...I enjoy helping anyone I can! ;)

 

Just hope this is all okay as no one seemed to agree or disagree!!

 

Fingers crossed...!! :D


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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i'm just new to this site but i though that you don't add the interest until the claim goes to court? really confused myself now :confused:


BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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i'm just new to this site but i though that you don't add the interest until the claim goes to court? really confused myself now :confused:

 

if you are claiming contractual interest as maxibon is then you claim from the start, if you are only claiming the standered 8% then this done at the court stage.

hope this helps:D

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oh right, totally understand now, thanks for that mbdiss


BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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If you read up on Bank Fodders thrad 'why is no one claiming contractual interst' its very interesting!!

 

http://www.consumeractiongroup.co.uk/forum/general/18313-why-no-one-claiming.html

 

;)


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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^^^will do, but this site is sooooooooooooo addictive you have good intension on reading something and before you now it its 2 hours and 30 odd posts later, and you've totally forgotton what you were suppose to be reading :shock:


BOS 1st Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 2nd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 3rd Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 4th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

BOS 5th Account - Prelim sent 8/1/07 LBA sent 18/1/07 Settled in full 15/3/07

Nationwide - Prelim sent 8/1/07 LBA sent 18/1/07 Court Date 17/7/07 WAITING FOR TEST CASE

LX Direct - S.A.R - (Subject Access Request) sent 8/1/07 LBA sent 9/7/07 Got 50% off total - settled and closed account 10/9/08

Studio cards - S.A.R - (Subject Access Request) sent 8/1/07Credited to my account, account cleared! 4/6/07

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Its Easy isnt it...I end up here at 4am a lot of the time! :o

 

Just waiting now till the 20th for a first 'sod off' letter from Tommy Mclean !


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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So LBA was sent off via Email to margaret King at RBS ( In the rbs contacts section) and posted standard post on the same day 06/01/07.

 

Had an email reply today from her stating....

 

Good morning, your email has been received and passed to the appropriate

team. You will hear from them in due course once an investigation has been

completed on your behalf.

Regards

Maggie

 

Well Wake up Maggie, I think i got something to say to you ..:D .la laaaaa ( my Rod Stewart impression) :shock:

 

Sounds all very casual so we will see how long it takes for a reply.

 

I also wanted to check something. I requested statements on 2 accounts ( we have 3 but dont use one) I WAS sent the statements but for 1 account I had asked for and 1 account I hadnt and I am still awaiting for the statements I require to date.:rolleyes:

 

Would it be worth giving them a nice reminder to send them or leave it and report them once 40 days are up ( 6th Feb) ????

Advice appreciated as I appear to be all neglected in my own little thread here!!!:p


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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it can't hurt to remind them

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Had a letter from RBS in Edinburgh re the data protection breach, basically a load of rubbish....

 

I have now fully invesitgated this matter but then asks for more info so that they can investigate it!!

Makes no Sense so I called them and reminded them about statements as well and apparently they were going to call me back on Friday 12th but heard nothing!:evil:

 

I did receive a letter today acknowledging my claim for charges refunded and apparently they are looking into it and will contact me in 'due course'....

 

Will keep updated...


Maxibon

 

 

Gonna take them for all I can and enjoy every second!:lol:

 

 

RBS Account 1- S.A.R - (Subject Access Request) sent 20/12/2006

RBS Account 2 - S.A.R - (Subject Access Request) sent 20/12/2006

RBS Ac1- recvd S.A.R - (Subject Access Request) 28/12/2006

Statements recvd Account 1 on 05/01/07

LBA issued for Account 1 on 06/01/07

7 days grace being given till 09/02/07

Still no Response to S.A.R - (Subject Access Request) on Acc 2

Breach on acc 2 DPA request

N1 filed acc 2 28/02/07

Acknowledged 16/03/07

Defense submitted 30/03/07

 

If you need any advice re Moorcroft just ask!! :cool:

 

If I have been of any help and you think I deserve it!

Please click my scales to the left and if you wish leave a comment :D

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