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    • That's great work.  Well done on both the content and the level of snottiness.  That's exactly the sort of thing your wife should send, let them know she's sussed their sordid scheme and will be big trouble for them if they do court.  Fancy trying to charge her for overstaying for one minute!   Excellent "Dear Philip and Sian" research, I must confess I didn't know who ran PE, this will be something to suggest to Caggers in future PE cases!   If none of the other regulars object invest in a 2nd class stamp tomorrow and get a free Certificate of Posting from the post office. My Road My Town My County My Postcode Date Your Reference No. Dear Philip and Sian, Thanks for wasting your pennies and sending me a letter before claim. I understand you think I owe you something. I had a good laugh at the idea you actually really thought I'd take such tripe seriously and cough up! Now, you know that your claim has no basis and I know that you know that your claim has no basis Your can either drop this hopeless case or get a good spanking in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and I’ll be able spend some of your ill-gotten gains. Me
    • External Affairs Secretary Angus Robertson calls for urgent action from Westminster over temporary visas.View the full article
    • just post it here as text then we can edit if necessary
    • 1st try for snotty letter.     lbccc v1.pdf
    • I do feel now that I would like to comment on some points raised on some of the posts on this feed:   Although I found the appearance and comments from Zac to be rather strange, I have not left a scathing review; I was merely seeking some advice as I have never been in this situation before and did not know what to do.   The information I have provided is factual, transparent, and comprehensive. The pdf I posted of full correspondence, screenshots with text on (and to clarify direct quotations from the video walk round), and photographs of the bonnet show this.   The emails and comments posted by the dealer do not constitute the full facts of the situation as he stated, and it makes me feel sick that I have repeatedly been called a bully and a blackmailer (via correspondence and forum comments) throughout this. Additionally, the 4th email posted by the dealer which he named as the response to the email above it was not the response I received to it.   I have made it clear from the start that I wish to keep the car and only wanted it in the condition as advertised. Upon receipt of my first email concerning my complaint (not the best email, I know), it was very clear that the dealer wanted the car back. His response to this was a WhatsApp message which ended in “To be frank I don’t want to sell some one a car that insults and then blackmails me”. This was also the only option provided which would not cost me considerable time or expense. Although it would still have left me without a car (and having to resume my search), as my old Golf was due to be collected by a private buyer. Also, this was the only option offered without sarcastic and/or patronising comments attached. This is of course only my personal opinion and I am aware that I may not be fully objective on this point, but I felt bullied into doing what the dealer wanted.   Whilst I understand my initial email was quite conflict orientated, and that I have not dealt with this situation well, I don’t believe it excuses the responses I received. I am at a loss to see how this is above and beyond in terms of customer service.   As the dealer pointed out, I did state that the car was in fantastic condition for its year (the interior is fantastic for the year), apart from the bonnet of course. The car has most likely done predominately motorway miles which would account for the bonnet. There are minor issues which also don’t match up with the video walk round. Namely, a tiny dent in the rear wheel arch, which is barely even noticeable, several paint chips around one of the doors, the odd stone chip elsewhere, the alloy wheels are in good condition, but not absolutely pristine as most were described as (I had assumed maybe these has been reconditioned), the rear loading strip is heavily marked all the way across, but the paintwork not affected. However, all of these I feel are minor in a 10 year old car. Upon reflection ‘great’ may have been a better representation than ‘fantastic' on my comment.   During my initial phone complaint, I was told that I was the first customer to complain in over 50 cars (can’t recall the exact number but remember it being in the 50’s) to which I said that I felt bad about, later it was 300…   I never asked for £150. As mentioned before, I accepted this offer over the phone after the dealer had told me that I would not be able to get a stone chip repair company to rectify, as “there are hundreds,” and that it would need respraying. He told me that it would cost him £150 (did not mention plus V.A.T) and that it might cost me £200 here.   I was confused by the pricing structure mentioned (from the chap he has previously told me he has used for his body work repairs for years) as this appeared to be an invoice, which I assumed was for another car’s repairs. The total cost was over £1,000. It stated £180 for a bonnet repair and paint (vandal damage, small repair or paint correction) and on the second page V.A.T was added. If this is correct this would surely equate to a total cost of £216 for the bonnet, but of course I could be wrong. Not inclusive of the cost of collecting and delivering the car back to me, as I have been informed that this should not be of inconvenience or cost to me.   I asked for a larger contribution as initially I was led to believe it would cost me £50 and a little inconvenience. Only after I stated the specific consumer rights (which I had Googled over the weekend) and sent the dealer photos of the bonnet did he offer me a further £112.50 for this. In hindsight I could have specified a figure, and that I still did not expect the blended wings to be paid for. Before this, the dealer stated that he did not wish to negotiate any further and to take the car back to him to paint or they will refund and collect. Upon seeking more specific advice on Monday I was informed of my full rights in this circumstance.   It is certainly not a case of changing my mind because I wanted a brand new bonnet etc. and I disagree that the dealer kept his "kool" and replied respectfully throughout, as I do not consider sarcastic and derogatory comments throughout as respectful.   The warranty is a 6 month bronze package from Warranty Wise in this case, which I believe is the only option for a car over 100,000 miles.   I’m unsure as to the significance of the dealer counting 14 stone chips, but maybe this was on one of the photos close to the edge of the bonnet. I have not zoomed in, merely taken a photos of different areas of the bonnet. You can gauge the size on the photos which are closer to the front headlight area. Also, again this issue is not about the size of the stone chips, which do vary in size throughout, it is about the sheer amount across the bonnet not being as described. I did state that these were difficult to see in sunlight or at a distance. However, upon reflection I should have stated more clearly i.e. direct sunshine. I believe 2 or 3 were pointed out on the front edge of the bonnet in the video walk round. In which the dealer stated "Body work is absolutely stunning for the year, with only very minor age related marks, which we’ll point out as we walk round… Bonnet; no scratches, no dents, no damage. If we look closely, we might find the odd little stone chip here and there that have been touched in, little one there, very difficult to see. Little one there, look. So, it's got the odd little stone chip on the front of the bonnet edge, apart from that it's very very clean."   There are not over 30 emails about this, there are 12 and 11 WhatsApp messages (inclusive of the 2 photos of the body shop invoice).   From what I understand about mediation, its purpose is to negotiate to resolve an issue as timely and smoothly as possible. The last emails from the dealer stated that they had no choice but to take legal advice and pass all their correspondence to Lawgistics. With a formal retraction of all previous offers except returning the car to them for a refund, which would be my responsibility. This also informed me of the AA ADR. Followed by one stating “My apologies I forgot to include the phone number for the legal team… Bonnie is the team leader should you wish to escalate to the highest level. Please note that on taking further advice we are under no obligation to offer a refund for the vehicle.”   The dealer also stated “our car” at the end of one of his posts which is odd. It is legally my car which was purchased online in good faith.   Bankfodder’s recent comment concerning the AA does indicate he is saying the AA does not know what they are talking about.   Lastly, I am also unsure as to why anyone would want to deliberately add stone chips to their newly purchased car, or indeed how. Is this even possible?
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Hi all,

 

Just to let you know SAR sentt to RBS via Special Delivery today - am kind of expecting a bit of a battle but I guess Cobbetts awaits:-o

 

Account in good order bar a few over the top payments and DD rejections.:-|

 

Should i go for contractual interest or offer a pre lit pay now and forget the interest???:confused:

 

Ginger - I am not but my cat is!

Stage 1 - RBS SAR sent 05/03/07

Statements recieved 25/04/07 - £1483 + £88 o/d int

LBA dpa sent requesting ALL data held 09/04 with original 40 day timetable..

Clock is ticking........;)

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CI - it's your decision - seems to be decided on how much are you prepared to fight? Even go to court for it???

  • Haha 1

Request for statements sent 1/2/07

 

Statements received 10/02/07

 

Prelim emailed and posted 15/02/07

Prelim email received 15/02/2007

Prelim letter signed for 16/02/2007

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Hi Essix,

 

The more I read from these pages the more confidence I get form those who have chased it. Am happy to go to court with it (with the support of CAG which is clearly there...):)

 

I guess the answer is dependant on the values!

 

Thanks

 

Ginger

Stage 1 - RBS SAR sent 05/03/07

Statements recieved 25/04/07 - £1483 + £88 o/d int

LBA dpa sent requesting ALL data held 09/04 with original 40 day timetable..

Clock is ticking........;)

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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).

  • Haha 1

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Thanks T4ff,

 

I keep coming back to these pages to review as much as I can while I wait for the Statements to be returned, theres a lot of success stories giving me confidence to fight for CI:)

 

I'll keep you updated!!

 

Ginger

Stage 1 - RBS SAR sent 05/03/07

Statements recieved 25/04/07 - £1483 + £88 o/d int

LBA dpa sent requesting ALL data held 09/04 with original 40 day timetable..

Clock is ticking........;)

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  • 3 weeks later...

BTW - just been offered the FULL amount back I'm claiming (no interest) 4 weeks after I sent the prelim.....

Request for statements sent 1/2/07

 

Statements received 10/02/07

 

Prelim emailed and posted 15/02/07

Prelim email received 15/02/2007

Prelim letter signed for 16/02/2007

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Congratulations!!!:)

Nice one essix!

A.

Stage 1 - RBS SAR sent 05/03/07

Statements recieved 25/04/07 - £1483 + £88 o/d int

LBA dpa sent requesting ALL data held 09/04 with original 40 day timetable..

Clock is ticking........;)

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  • 3 weeks later...

hi All,

 

bit of an update - had my statements back, exactly 6 yrs worth, and have calculated RBS owe me 1483 in charges and 88 overdraft interest, before applying any other interest (e.g contractual or 8% statutary). I have sent back a LBA dpa for the previous years banking and manual interventions within my original 40 day timescale as below.....:)

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated 04/03/07. The disclosure of personal data is incomplete in that at least the following documents are missing.

 

 

1) You have failed to provide a complete list of transactions and charges – Namely details of transactions prior to 28th February 2001. My banking history with you starts on or around June 1989.

2) You have provided no notes, or documents relating to any legal action between you and myself.

3) You have provided no notes, or documents relating to instances of manual intervention.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

You have a further 10 days to comply.

 

 

Let's see where this takes us!!!!

Stage 1 - RBS SAR sent 05/03/07

Statements recieved 25/04/07 - £1483 + £88 o/d int

LBA dpa sent requesting ALL data held 09/04 with original 40 day timetable..

Clock is ticking........;)

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  • 2 weeks later...

Hi all,

 

Update two.....

 

Following a prompting phone call to customer services I recieved a letter from Joyce Tudor in regulatory risk, with reference to my reciept of statements..

 

" you advised that you have not recieved your statements I did'nt, I said i had not recieved all the requested statements I have re-ordered them today and they will be with you a soon as possible

 

Manual Intervention

with reference to your request concerning any 'manual intervention' to the administrative charges debited, I thought they were penalties these charges have been processed in accordance with the terms and conditions of our current agreement with you as a result of the activity on your account. In the event that you breach the terms and conditions , we will take the appropriate action , contacting customers where appropriate , or handling customer enquiries regarding their account status. When a customer has raised a concern in relation to this process, the decision will be communicated to the customer and where appropriate noted on the account. thoughts anyone.....? I have drafted a letter below but would appreciate you input as I have not seen this paragraph on the site....:-?

 

if you have any queries relating to this matter please do not hesitate to contact me at the address shown above.

 

Yours sincerely,

 

 

Joyce E Tudor

Retail Regulatory Risk.

 

See response letter.

 

Dear Ms Tudor

 

Date Protection Act 1998

 

I am in receipt of the your letter dated 26th April 2007, and thank you for your unprompted response. I have enclosed my previous letters addressed to your XXXX Branch for your convenience.

 

In the interest of clarity, I have not advised that my statements have not been received, I have advised you that the information is incomplete as quoted below from my letter to your XXXX Branch received by yourselves on the 12th of April 2007.

 

”1) You have failed to provide a complete list of transactions and charges – namely details of transactions prior to 28th February 2001. My banking history with you starts on or around June 1989.

2) You have provided no notes, or documents relating to any legal action between you and myself.

3) You have provided no notes, or documents relating to instances of manual intervention.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing“

 

 

 

With reference to your comments as to Manual intervention, I still require under s.7 all notes and documents relating to these. In addition I require a true signed copy of “our current agreement”.

 

I would like to remind you that your obligation under s.7 is to supply all data held by your company irrespective of the date of such data. I would also remind you that you are required to fulfill your obligations within 40 days of the receipt of request. The time period for compliance expired on 15/04/2007.

 

As a gesture of goodwill I shall extend this time period for a further 21 days. If, however, you fail to supply me with any personal data that you hold prior to 28/01/2001, within 21 days from the original expiry date, I shall be making a complaint to the Information Commissioner in addition to seeking court action to enforce compliance.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

Stage 1 - RBS SAR sent 05/03/07

Statements recieved 25/04/07 - £1483 + £88 o/d int

LBA dpa sent requesting ALL data held 09/04 with original 40 day timetable..

Clock is ticking........;)

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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....

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Thanks T4ff, good point about the manual interventions - I guess I am being a bit bolshy really:rolleyes: ! My only concern with them is that I know on a number of occassions these have caused refunds or adjustments and this does not show on the statements - but then I guess they would need to prove this as it works in my favour!

 

Do you think it is worth chasing the true signed copy, as the "manual intervention" bit strikes me as trying to build a case that they were administration charges as opposed to the penalties we know them to be..:?

 

Lastly - yes I think you are right - over generous, although I was trying to say 21 days from the original expiry which would only give them until tommorow which when I think about it doesn't work either!!!!

 

7 days it is!!:) and i will update the info commisioner element

 

Much appreciated!!

 

A.

Stage 1 - RBS SAR sent 05/03/07

Statements recieved 25/04/07 - £1483 + £88 o/d int

LBA dpa sent requesting ALL data held 09/04 with original 40 day timetable..

Clock is ticking........;)

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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 :D).

 

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.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Hi T4ff,

 

Thanks for your info.. :) True, i can't really see the point of Manual interventions, but it is a bit stragne they don' show up - but it may be that the removal occured before they hit the account etc..8) I think I may be uneccessarily flogging a dead horse really:D

 

No, it is a current account for standard charge reclaim, but the bit about "our current agreement with you" made me wonder... more because I had'nt seen it in my research on the site, but it probably is not that important.. The key bit is to try to get the statements pre 6 yrs, i have tried my branch but they are not so helpful now as everything to do with charges has to be dealt with via customer relations...

 

I will send the base response out to Ms Tudor in reply and delete the manual bit as you rightly point it is giving an opportunity to waste time to the bank.. and they don't need any help with that!:rolleyes:

Stage 1 - RBS SAR sent 05/03/07

Statements recieved 25/04/07 - £1483 + £88 o/d int

LBA dpa sent requesting ALL data held 09/04 with original 40 day timetable..

Clock is ticking........;)

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Hi,

I'm a new member to the forum. I'm about to send my second letter off to RBS today as they have failed to resovle within the 14 day time frame. I've forgotten the aknowledgement letter they sent me at home with the Scotish head office address on it. can someone let me know what the address is please?

 

thanks

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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 ;)

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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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.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Cheers T4ff,

 

Advice much appreciated:)

 

Here goes round 3!!!!!;)

Stage 1 - RBS SAR sent 05/03/07

Statements recieved 25/04/07 - £1483 + £88 o/d int

LBA dpa sent requesting ALL data held 09/04 with original 40 day timetable..

Clock is ticking........;)

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