Martynh99 vs NatWest

[martynh99]

I opened an account with Natwest around 1987 and closed it around 1994. During this time I will have had a lot of charges - how do I go about getting statements / charge info this far back.

 

I've seen many threads mentioning £10 SAR and a £5 statement request - could I get all the statements between 1987 & 1994 for a single payment of £5 or would it be £5 per statement i.e 12 statements per year, 7 years = 84 statements at £5 a pop = £420 ?

 

Also had a NatWest Access card during this time, ran up charges on that too - will I also be able to get these details too via NatWest ?

 

From memory, probably talking into £k's of charges.

[scott150663]

hi

 

SAR is £10 per request (all statements)....i believe nat west only hold statements from 1992 see sticky above.......

 

I dont know any info on credit cards........sorry

 

Good luck

 

scott

[Rooster-UK]

Hi Martin.

 

You can try, but it is almost certain that the bank will turn round and say that they no longer have information going back that far.

If they say that, we have no way of proving the issue, one way or the other.

 

Regards, Rooster.

[martynh99]

Thanks for the replies so far.

 

Whilst checking through my YB statements, I found a single old NatWest statement from 1996 - seems the account was open longer than I thought.

 

It looks like I must have incurred some charges the previous month which when they added them on (£96.05) it made be overdrawn to the tune of £164.36

 

Not sure what happened but I obviously didn't clear the o/d amount so they added another £108.77 in charges over the next month.

 

The £96.05 was made up of

£9 exceess borrowing fee

24 excess days at £3.50 day = £84

Interest of £3.05

 

The £108.77 the next month was

 

Interest £1.77

Excess borrowing fee £9

28 Excess days at £3.50 day = £98

[martynh99]

I rang Card services - they couldn't find any record of the access card.

 

I then rang the branch, the lady was very helpful and could see I was still a customer but with no accounts showing at all.

She said the computer only went back to 2002 so I guess it's just the £108.77 & the £96.05 I can claim back.

 

Question I have is if they can't find details of my accounts on the computer - how can they verify that what I claim they charged me is real ?

[martynh99]

The bank account was opened in 1987 and was definitely still open in 1996 as I have the one statement.

 

SAR sent today rec del - hopefuly get statements & charges from 1992 onwards at least.

[martynh99]

Looking for a bit of guidance here. I've received what can only be classed as a standard letter from NatWest. Bear in mind I sent the S.A.R - (Subject Access Request) on the 2nd May, the letter that came back is simply dated March 2007, it goes

 

I write to you with regards to your enclosed correspondence requesting a complete list of transactions and charges applied to your account under the Data Protection Act 1998.

 

I would like to advise you that our Group Records Management Policy allows for the retention of 6 years of personal data to be held. This is in line with the Data Protection Act Guidlines. We do not store data beyond this period. As you account was closed more that 6 years ago, we are unable to help you in this instance.

 

Please find enclosed your original letter and £10 cheque.

 

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

 

Yours sincerely,

Lorraine Cassidy

Retail Regulatory Risk

 

Also they didn't include my original letter or the £10 cheque.

 

My Sar was worded as below

Please supply me with a complete list of charges relating to my banking history with your organisation.

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

 

Would really appreciate NATTIE view on this. My branch still has a 'live' file on me but with no active accounts.

[Parkvale]

martynh99, This will help you obtain old statements.http://www.consumeractiongroup.co.uk/forum/natwest-bank/28533-how-find-account-number.html. Good luck.

[martynh99]

Thanks for that Parkvale, I had looked at that post a few weeks ago but I see it was updated 6th May - although the actual 'sticky' post still shows the original date hence me not re-reading it.

 

Might send them a letter telling them what keys to press, should be good for a laugh and them slightly.

[Parkvale]

Their confused enough already.

[martynh99]

As I type this I am struggling not to swear. I really do not see how this organisation manages to retain customers....

 

I called 0800 0154212 option 1, 1 - The staff here were so rude. They told me that I can only have 6 years and that is the final answer, I can write to who ever i want but the answer will always be 6 years. I asked to be put through to Retail Regulatory Risk , he said he didn't know who they were and refused to try and find a number for them.

I then explained about the missing £10 cheque in the letter and he told me to ring my branch and stop it. Told him different bank and they'll charge me - he said tell them it's lost !!!!!!

The guy was downright rude - his manager will be getting a letter from me today.

 

I then went through to the same number but took option 2 general enquiries this time. Gave them details of Regulatory Risk and they put me through to South West CSC who were overly helpful, spent 10 minutes searching for number(even gave me my customer ID number) then put me through to RRR dept in Edinburgh. I now have 2 numbers for them, 0131 626 1106 & 0131 523 4516

Spoke to them, they have no record of my letter arriving despite me having a letter in return. Told me I had to write back in and send £5 - I queried the £5 and was told it was correct and not £10.

Told them they have acknowledged my letter and said they have returned it with their letter and my £10 cheque - if it's not in their office and wasn't in the return letter then where the hell is it - Data Protection Act Breach. A manager is supposed to be ringing me back in 30 minutes.

[martynh99]

Well the callback never materialised so I called them up again today and got a supervisor.

Was told that Lorraine has been off work for months so she didn't send letter, explained there was no reference on letter and it predates me writing to them so it's a bog standard letter.

 

Basically they don't have an entry on their spreadsheet for receipt or processing of my letter but they'll look for it :o

 

On the charges, as my account was closed around 1999, they claim they only will have the last 6 years from now (despite me still having a client file open with them).

She said the archive system will not have any of my details on it but she'll check but as it's an archive system, it'll take until tomorrow to get the detail

 

Anyway - we'll see.........

[martynh99]

Cheque arrived back with another letter (same as first one but they've edit the date of the letter to be may 2007 this time).

 

Also handwritten is the date the account was closed and my letter is also returned with a date received of 8th May.

 

Rang them up again - supervisor in a meeting, blah blah blah - send us another letter and cheque and we'll look into it.

They did say though that bank policy is only to send 6 years data. Mentioned Data Protection Act etc to them and they did say they can sometimes get back as far as 1995 but only in some cases !

 

Anyway, supervisor should be calling me back within hour.

 

Update :

Supervisor didn't call me back but somebody did(not putting names in here) and advised they will be sending statements from 92 - closure of acct in 96 by Special Delivery in next 10 days. As they said they didn't have any information, I can only assume they must have Dustin Hoffman working for them(rainman) so watch this space....

[martynh99]

Called them up yesterday as still not received anything - they said they'd check and get back to me - they didn't.

 

Called them again today - they claim to have chased it up but had nothing back from service center yet.

 

Can't say when they'll get them out to me, advised them 40 days Data Protection Act time limit is now up - if I don't receive them tomorrow I will report to the IC

[steven4064]

You've got to keep at them. Don't give up

 

Steven

 

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Any opinions are without prejudice & without liability.

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[martynh99]

Statements arrived Friday - only Dec 94 - Apr 96(when it was closed).

 

I really was hoping for more than that - can anyone shed any light on why I might only have got from Dec 94 when my account was opened in 1987 ?

 

Also a little confused as to what I can claim.

Each month there is an 'account charge' of £9 and at the bottom of the statement the text 'Your interest rate for borrowing up to £200 on this acct is 17.5%PA this is the credit zone rate. Should your overdraft exceed this level the excess will be charged at our unarranged borrowing rate, currently 29.5%PA'

 

Does this mean I as an Advantage Gold customer ? It sounds like I had an account with a monthly fee to me, can I claim this fee back ?

 

In my SAR I asked for all details of all accounts, they haven't sent me anything on my credit card I had at the same time and looking at these bank statements, I had a loan with them that I don't even remember - they haven't sent these either.

[steven4064]

Martyn

 

They may not actually have statements going back any further. Nattie's stickie indicates that they do hold records back to 92 and possibly longer - maybe you should phone and ask why.

 

You can't claim back AG fees and they were £9/month for a long while (they arte £12 now)

 

Steven

 

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[martynh99]

thanks for that steven . I don't ever recall having an AG account, the statements just show current account - was AG the only account that had the credit zone facility and charged £9 month ?

 

The charges mentioned in my OP were refunded when the account was closed in Apr 96, I didn't have that statement when I started this thread.

 

I suspect that they've not sent the older statements as that's when the big charges will have been on, i'd started getting the account in order by 94 - a call to NW is pending....

[steven4064]

You might be best ringing customer services and asking them what the charges are. Otherwise we are just guessing

 

Steven

 

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Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site