bitupsetreally v RBS

[isidore]

If you do opt for contractual interest, a couple of "how do you do this" questions will not be enough to get you through, you will have to do the leg work, get a lot of reading in on the arguments as to why you DESERVE to claim CI, read through model claims (people like Likelylad, mcuth).

[isidore]

im not really sure of opinions here but with regards to the letter.....firstly I think your are being EXTREMELY kind giving them 21 days. I would think 7 is more like it and the threat of filing a claim for non-disclosure.

 

Last sentence, I would change I have to tell you to I would like to stress

My only issue with the manual intervention bit is how relevant is it to you? For claiming back charges, all you need are your statements and I haven't seen you mention anywhere that there are other issues you need to address.

 

The reason I say is that you could end up sending letters back and forth arguing about manual interventions when you don't NEED them and wasting time that you could be using to get your charges back. Just a thought....

[isidore]

Are you sure they don't appear on your statements? I would have thought any credit or debit to your balance - even a manual one, would appear? I know that manual refunds of charges that the branch used to do for me used to appear on my statements.....

 

Well to be perfectly honest with you, I didn't ever get any MI stuff and I got all my charges back. I think this information is more for those going after defaults (though I may be wrong). I've never really understood the benefit in obtaining them (but I've only ever need to claim for charges).

 

Is this a credit card then? If you are asking for a true signed copy of your credit agreement? I don't think a request for this falls within a DPA request, but a CCA request (all these acronyms ).

 

To put it simply, you have to think about what you are trying to achieve and what you need to achieve it. If all you are going after is bank charges, the only thing you need to do this is statements. Whilst by rights RBS should give you EVERYTHING and you are well within your rights to do so, it won't get you to your goal any quicker. Concentrate on your statements IMO.

[isidore]

Henderberg,

 

In future best off asking questions like this in your OWN thread, not just randomly hijacking someone's post

 

You will find RBS address in a sticky at the top of the RBS forum - there is one in each forum for each bank.

 

Good luck

[isidore]

Ging, the CCA bit isn't relevant (for your purposes) for a current account and as you rightly say is giving them an opportunity to delay.