require some outside advice am i doing things right ?

[ihaterbs]

i have a few issues with the rbs currently and hope to claim some of the cash they took from me , i sent the folowing letters the 1st i sent on the 20/11/06

they sent a reply dated 5/1/07 in the reply pack i got printed notes from when i had contacted via mail/phone and there responce also letters from there tec support dep guiding there responces !! copys of all my letters ,copys of agreements , i did not get any details @ all of any charges on any account in fact it appears there has been a deliberate attempt to remove or preclude any details of charges of any kind , i got no print outs or statements

so i sent a seccond letter via fax and post 2 date i have no reply .

i have filled out my Information Commissioner's Office complaint form ready to send on the 7th day from the date of my seccond letter to rbs , any advise where i go now retrospectively and in the future would be greatfully recived . ... it seems there stonewalling my actions and i need to check there correct this action includes 5 accounts over 6 years and my accountant has indicated the sum of £12000 in charges on the accounts ..

less than i owe the bank currently (they hold security over 240k worth of propertys)

 

My appologys over length of post this seems to be taking over my life ,i cant sleep some nights lol ....

 

 

 

F.A.O

The Data controller

The Royal Bank of Scotland

Xxxxx

Xxxxx

Xxxxx

Xxxxx

 

RE: Accounts xxxxxxx,xxxxxx,xxxxx,xxxxxx and any further financial associations you hold against myself ….

I herby request under The Data Protection Act 1998

All information held by the Royal bank of Scotland relating to the above accounts, this is to include a comprehensive list of all default charges and default interest

charged to any of the aforementioned accounts held by myself at the Royal bank of Scotland whilst I will accept statements relating to the accounts this request is not limited to printed statements and I make it clear I am not requesting bank statements as I am aware they are not covered under The Data Protection Act 1998, I will however require all items covered by the act not limited to charges and statements.

You should be aware Royal bank of Scotland is obliged to fulfil my request and failure will result my seeking remedy from the information commissioner.

 

To clarify my request is for the flowing information pertaining to above accounts

All default charges, all default interest charged paid or unpaid.

Loan agreements, Land registry entries obtained by the royal bank of Scotland

Internal /eternal communications referring to myself undertaken by the royal bank of Scotland, to include electronic communications and paper communications,

Any further personal /financial information held over the last 6 years.

If you feel my requests are excessive and you are legally obliged to withhold any information contained above I request you formally inform me what information you intend to withhold and forward the remaining information within the allotted timescale.

 

I have included a cheque for £10 the maximum statuary charge ,should you wish to charge me for requested information.

 

Should any of the above information require clarification please contact myself directly.

I hope to hear from you in due course.

 

Yours sincerely,

 

 

SECOND LETTER

 

 

With reference your letter dated 5/1/07 & Response to my request for information Made under DATA PROTECTION ACT 1998

It appears your reply is Incomplete in many aspects firstly I requested this information going back six years from the date of my request in addition to all recent information, I also requested you supply a comprehensive list of all default charges and default interest charged to any of my accounts . So as indicated in your letter I’m writing to” let you know”, and will now clarify what information I am actually requesting. I will require a full and detailed list to include any charges made by yourselves for the following reasons ..

 

Account misuse fee

Cheque return fee

Unarranged borrowing fee

Unauthorised overdraft fee

Unpaid DD fee

Unpaid cheque fee

Unpaid standing order fee

Any Late payment fee

Exceeding Authorised Overdraft Limit

Exceeding Unauthorised Overdraft Limit

Direct Debit/Standing Order/Cheque returned fee

Irregular fee

Paid referral fee

Made in the last six (6) years

 

Please not this request is directed to and should include all departments of The ROYAL BANK OF SCOTLAND plc …

 

 

If you are unable to provide this data, I will accept a copy of my statements for all accounts going back six years; I understand that statements on their own are not covered by the Data Protection Act 1998, yet I’m not requesting the statements per se, but details of the charges, which I’m entitled to by law.

 

 

By not supplying the information I requested, you have breached my rights under the D.P.A. You leave me with no alternative that if I do not receive the information I have requested within the next seven days, I will forward copies of my requests to the Information Commissioner.

 

*Under section 47 of the Data Protection Act it is a criminal offence to fail to comply with an information notice.*

[Guest NATTIE]

I think I will bump this one for the evening guys attention

[Glenn UK]

Personally i wouldn't bother wit the Information Commissioners Office complaints process.

 

I have a claim against the co-op for non-compliance and would suggest this route with some minor amendments.

 

If you want to check out my thread Glenn vs co-op i have posted my particulars of claim.

 

The changes i would make are to what i require, I asked for a statement entered into court if they couldn't supply me with all my data or my data.

 

What i would ask for now is my data along with a statement that this is all the data , and if it isn't all the data why i cannot have that data.

 

I didn't ask for this and believe it or not, the Co-op are forcing a hearing because they wont confirm when my account was opened and whether they have in fact provided all of my data.

 

 

This change to my claim would have prevented this i believe.

 

HTH

 

Glenn

[ihaterbs]

Thanks kindly Glenn I have read most of your recent threads and have now issued a notice of Non-Compliance on the RBS, in 7 days when they again fail to respond im fully intend to issue court proceedings this is a process im not familiar

With and seek any further advice you can offer, or any advice any other member can offer... I have additionally received a further response from my follow-up letter in brief they say...

Any information that is required to be provided under the act will be forwarded as soon a possible... that was 11 days AGO some 65 days from my original request >

They also mention in some detail some claptrap about

MANUAL INTERVENTOION!!!! And there terms and conditions regarding me!!! breaching the terms and conditions ,,, etc etc Looks like they have cut and pasted some rubbish response to try and comply and seems they aren’t taking me seriously >>> im on a mission now !!!

I have not requested specific manual interventions there response to my above letter leads me to believe there just stalling for time how should I force there hand???