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    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
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RBS refusing to give me my statements - HELP!!


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Afternoon Folks,

 

Ok 2 questions:

 

Re my complaint to the bank about taking extra loan payments - they have lefta message at home asking me to call them. I don't really want to do this as I am worried I will get flustered or beated down by them or that they will agree something that fails to materialise again. Despite this it may be the best way to resolved the complaint - what do you think peeps?

 

Second: This is regarding my LBA for non-compliance

I've been reading some other threads and I'm wondering if this issue should have been passed onto the Information Commissioner by me before issuing the LBA? Im concerned about a few things if this should get to court stage:

 

1) My letter requesting statements was just a brief request (issued before I found this site) and was not sent recorded delivery HOWEVER I did receive half my statements from RBS - so does this not count as it being received but not adhered to?

 

2) I made a number of calls etc after this and received another set of statements (the same ones) - if necessary would I use my phone bill in court to prove I had made calls to the bank (although thinking about it some of these calls were made from work......)

 

3) I then received a letter from MS. Watt advising statements have been ordered (no timescale for delivery) - can RBS say 40 days began from when she received my complaint?

 

I have Sandy Watts email - would anyone advise mailing her and asking if she had received the LBA and giving her the option to resolve this prior to filing in court?

 

Thanks everyone

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Grrrrr.....still no bank statements. It has now been 72 days sinc SAR. I am considering emailing Sandy Watt to check if received LBA and what she intends to do about it.

 

Do you think this undermines the threat of court action in my non-compliance LBA?

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Well I emailed Sandy Watt and this is what I said:

 

Hi Sandy,

I wrote to you on 11th April with a complaint regarding my only having received half of my requested 6 years of statements from RBS.

You responded on 28th April advising that you had now ordered these statements.

As yet I am still to receive said information. It has now been 72 days since I issued the SAR and as such I issued a Letter Before Action for non-compliance (addressed to you) which was delivered by Recorded Delivery on 9th May.

Can you please confirm that you are in receipt of the letter, and advise what your intentions are (if any) to resolve this matter before 16th May when I will be forced to file against RBS for breaching Data Protection.

I await your response.

Kind Regards

Fiestychick

S/he (man or woman folks?) replied:

Thank you for your e-mail.

 

With regard to your SAR request, I have spoken to our Retail Regulatory Risk

Department, who confirm that it was they, who originally ordered your

statements.

According to their database, they received your request on 5 March,

statements were ordered on 21 March, with these being sent out by the

Central Service area on 26 March. The Department noted that not all the

statements, had been produced and re-ordered the 'missing' ones on 18 April.

From your e-mail, it is obvious that these were not received. With the

volumes of statements being produced by this central sevice area, there will

be times, when customer's statements are not produced, or are not despatched

on time.

 

From checking our database, our first contact with yourself, at this Unit,

was on 27 April.

Historic statements for your account were ordered from the central service

area on 27 April, with the order acknowledged by them on 1st May.

Unfortunately, these usually take about 2 weeks to be delivered, due to the

volumes they are dealing with. So I would expect that these should be in

your hands any time now. I note that we have ordered statements covering the

last 6 years, so there will be some duplication of those you have already

being sent.

 

I am advised, by Retail Regulatory Risk staff, that they are of the

optinion, that they are not in breach of any timescales, with regard to Data

Protection. Your statements were ordered, and despatched within the 40 day

period, even if this did not include all of these.

 

With regard to your recorded delivery letter, this would be 'signed for' by

the central RBS mail room, prior to be passed to this unit.

 

Regards

 

Sandy Watt

 

I replied (are you bored yet!!!! lol

 

Hi Sandy,

 

Thanks you very much for responding so quickly to my email. I appreciate

that you must be very busy.

 

With regards to DPA, under this Act RBS has 40 days to provide me with all

the requested information. Otherwise, as I'm sure you can appreciate, this

could be abused for instance one statement sent every forty days for an

infinite period of time.

 

However, I am willing to accept your explanation regarding the 2 week

waiting time and will give until 15th May before taking any further action,

 

Again thank you for your response.

 

Kind Regards

 

It made me laugh that s/he says they haven;t breached data protection just cos they haven't sent me all the info!

 

Anyway the email s/he sent was ok I thought and I don't mind giving until the 15th.

 

I'll get there eventually....

 

:smile: DONT LET THE BA$£@*DS GRIND YOU DOWN!

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HI CJ

 

The initial request for statements was not a SAR, as I didn't know to send one at the time, and I didn't send by recorded delivery. However, Sandy Watt confirms in the email that this received on 5th March. So as I understand it RBOS had 40 days from then to provide all the information? If this is the case it has now been 68 days since they received that request.

 

I contacted the office when I received only half the statements (by telephone) and was told to put in writing again. I did so on 28th March and advised I was requesting this under DPA etc. (45 days since this letter).

 

I then sent a further complaint on 11th April when I received copies of statements I already had.

 

I then issed an LBA which was delievered on 9th May (sent recorded).

 

I emailed Sandy yesterday (emails already on this thread).

 

To say I'm getting fed up is an understatement!

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Picking up on a few questions...

 

If you don't want to speak to them regarding the matter, ring them and say so, tell them you wish to have all correspondence in writing for your own benefit.

 

Obviously you've progress things since asking this, but for your benefit....if the original letter wasn't an SAR then you can't use dates from then, only from the date they received your SAR. If they have exceeded the 40 days, they have not complied.....END OF.

 

Sandy is a girl ;)

 

 

Good luck with the it all fiesty...

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

 

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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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Hiya peeps

 

Well my bank statements have come at last! But.....yet again RBS have managed to send them to my previous address, despite me requesting in writing about 4 times that they ammend my details!!! And the news I read today is that RBS is going to charge customers £10.00 for not providing a forwarding address! Now that's a laugh.

 

Well am just waiting for my mum to open the statements and check they are the right ones. I have a horrible feeling about this.......

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GRRRRRRRRRRRRRRRRRRRRRRRRRRRR:mad: RRRRRRRRRRRRRRRRRRRRRRR:mad: RRRRRRRRRRRRRRRRRRRRRR:mad: RRRRRRRRRRRRRRRRR:mad: RRRRRRRRRRRRRRRRRRRRRRRRRRRRR:mad:

 

IM SO UPSET I COULD CRY. MY MUM HAS JUST CONFIRMED THAT THE STATEMENTS I HAVE RECEIVED ARE AGAIN THE SAME ONES I HAVE HAD SENT TO ME TWICE. THESE RUN FROM 2003 AND DO NOT INCLUDE THOSE REQUESTED FROM 2001.

 

IM GOING TO FILE ON MCOL ON FRIDAY BUT NEED TO BE SURE ALL IS ABOVE BOARD. THIS IS PART OF SANDY WATT'S EMAIL ON 11/05/07

 

"According to their database, they received your request on 5 March,

statements were ordered on 21 March, with these being sent out by the

Central Service area on 26 March. The Department noted that not all the

statements, had been produced and re-ordered the 'missing' ones on 18 April.

From your e-mail, it is obvious that these were not received. With the

volumes of statements being produced by this central sevice area, there will

be times, when customer's statements are not produced, or are not despatched

on time.....

 

I am advised, by Retail Regulatory Risk staff, that they are of the

optinion, that they are not in breach of any timescales, with regard to Data

Protection. Your statements were ordered, and despatched within the 40 day

period, even if this did not include all of these."

 

NOW I REPLIED STATING THAT UNDER DPA THEY HAD 40 DAYS FROM RECEIVING MY REQUEST (WHICH SHE STATES WAS 5TH MARCH) TO PROVIDE ALL DATA, REGARDLESS OF WHETHER PART OF THIS WAS PROVIDED DURING THAT TIME. CAN ANYONE PLEASE CONFIRM THAT THIS IS CORRECT??

 

BY MY RECKONING THEIR 40 DAYS RAN OUT 14TH APRIL - IS THIS CORRECT?

 

I COULD CRY :( . I HAVE A 6 MONTH OLD BABY AND A PARTNER WHO WORKS 50 HOURS A WEEK. I BARELY HAVE TIME TO KEEP ON TOP OF THE HOUSEWORK AND RBOS ARE PLAYING ME FOR A FOOL. IM SO UPSET TODAY.

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Morning

 

RBS have emailed me to advise that as I changed branch in 2003 this is why my previous statements haven't been sent. They say that without my old account number they are unable to find the account.

 

I replied giving them my old sort code and advising I don't have any info from 2003 (hence me asking for my statements).

 

Can anyone give me some advise about what I do next please?

 

Thanks

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Hi fiestychick. Just wanted to let you know that you are not alone in having problems seeking your statements! I have had duplicate sets sent to me and today got a letter saying they are on the way. ??????

I don't want any more duplicates...just the ones they haven't sent yet.

For Heaven's sake....they obviously need the extra cash from bank charges to improve their staff training.

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Hi Tiggersmum (love the name)

 

It's so frustrating isn't it GRRRRR!!!

 

I'm just unsure of what to do next as RBS are now saying my account was closed and a new one opened at my new branch. They say they cant find the account without the old account number (which I don't have). I just don't know what to do next :sad:

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Fiesty,

 

I'm afraid they are still playing you for a fool.....

 

Ok so you changed branches in 2003, but your account number doesn't change - your sort code might but then they will know the sortcode of the branch you moved from anyway.

 

Personally, I would stop running round for them and file a claim (which you can't do on MCOL because a non-compliance claim isn't claiming money). Try to understand the way the Data Protection Act works.....a company has to disclose all information it holds ON A PERSON - not on an account number. It is their responsibility to find ALL information it holds on you for ALL accounts you have had with them providing you give them enough information to identify you simple as that.

 

If the 40 days are up, they are in breach of the data protection act, they are also giving you false information by leading you up the garden path chasing account numbers and sortcodes.

 

What they are doing is bollox and is simply to stall you. Stop listening to any more excuses and TAKE ACTION. Get over to the library area and find the non-compliance threads.

 

They are getting me annoyed now....

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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Lol T4FF you are not the only one!!

 

I have been emailing Sandy all morning, who to give her her due has been really nice. She advises my previous account was closed in Aug 03 when I changed branches and as such I was given a new account number (my current one).

 

However, she says that a search on the system will only bring up 'live' accounts and they can only find closed accounts with the account number (which I don't have). She advised me contact my old branch as they may have the information. I did that and they said they can only access my current details and that the Service Centre should be able to give me the information (back to square one).

 

The only problem is that on my original request I gave my account number and requested 'all statements for previous 6 years'. Do you think it is worth re-starting and requesting all information held about me regarding charges to any accounts?

 

Any advice is appreciated

 

Love Not-So-Fiesty (morelike FeelingDefeated) Chick xx

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Ok.....

 

Have been advised to write to my old branch and request that they contact the service centre and get them to find the account so I will do that but in the meantime will begin claim on the statements that I do have

 

fingers crossed for fiestychick!

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All these places are all part of the same company, what I can't understand is why you have to do it when surely a quick phonecall here or there would sort things out. Of course they aren't going to be helpful are they?

 

 

I don't understand why your account would be closed and a new one opened just because you changed branches. Are you sure this is correct? Have you checked the first statement you have from RBS? What page number is it? Is the opening balance £0??

 

I'm of the opinion that regardless of the fact you have listed just one account number, they are still in the wrong. The SAR says something like "I require information on my entire banking history with you" and the SAR requires banks to disclose ALL information on the individual.

 

So either way they are not complying. It does not matter you don't have the account number- that is their responsibility.

 

If you ask me, you are giving them too many chances. I can only assume you would rather (either for financial or emotional reasons) sort this out without going to court? Well I would send Sandy a final email telling her that you have been seeking advice on the CAG website and you have discovered the above and that you require them to sort this out within the next week (not you as it is not your responsibility).

 

There comes a point, where you must realise that you will only get this sorted by putting your foot down. Ok it might be stressful going to court, but you are probably causing twice as much stress by allwing RBS to give you the runaround...

 

JMO

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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T4FF - I think I love you!

 

You are completely right and I honestly have absolutely no qualms about going through the court process. The only reason I was a bit concerned is that my first letter wasn't a SAR as such. It just listed the account number and asked them to provide my previous six years bank statements....although thinking about it this is open to interpretation and they should really issue all information they hold about me......

 

hmmm.... me thinks you are right T4FF...I'll have a look at the info about claiming under DPA.

 

I agree also they are part of the same company. If they are dealing with these 'complaints' under the FSA rules and allowing themselves 8 weeks to resolve them then surely they should fully resolve the complaint.

 

Hmm..sod it Im filing. I want my info.

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T4FF - I think I love you!

 

Hey steady on, what will the hubby say? :D

 

If you haven't ever sent an SAR, then you might have a but of a problem, without going too far back through the thread, you have at some point sent an SAR haven't you??

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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  • 3 weeks later...

Ok bit of an update.....

 

I feel I should be mightily pi$$ed off with the letter I received yesterday but actually I'm giggling manically.

 

Following from previous posts re not receiveing all my statements due to accounts being transferred to different branch I sent the following to my prvious branch (being the delightfully magnanimous person I am!)

 

Dear Sir/Madam,

I write in reference to my not-so-recent request for you to supply all my previous bank statements to me on 28th February 2007.

It has come to my attention that in August 2003 when I changed my main branch from XXXXX to XXXXXX, that my original account was closed and a new one opened at the XXXXXX Branch. As a result of this I have been provided with statements from August 2003 onwards, but thus far have not been provided with anything further.

I have discussed this at length with Sandy Watt in the Customer Relations Unit, and she has advised that I need to contact you regarding this old account and that you in turn would contact the Service Centre and ensure that this old account is located, and that I am duly sent the information I have requested. I am assured that if I provide you with all of my details then the old account can be accessed.

My I take this opportunity to remind you of your responsibilities under the Data Protection Act 1998. As a Data Controller you are required to disclose all information that you hold about me, to me, should I request it. I have already paid the maximum statutory charge of £10.00, and I am still after 12 weeks not in receipt of all the information that you hold.

Whilst I understand that the account was closed in 2003, you are required to keep all information for a minimum of 6 years. If you have failed to keep this information you have breached the Data Protection Act. If you are still in possession of information about me but you continue to fail to disclose it to me you are again in breach of the Data Protection Act.

I feel I have been more than patient regarding this matter, however I also now feel that my patience is now coming to an end. I expect to be in possession of all information you hold about me prior to August 2003, including all charges and transactions on my account, within 21 days. If I have not received this information please be under no illusions, I will be filing at the County Court against RBS for a Breach of Data Protection.

My details as of the closure of my account are as follows:

Name: Fiestychick

D.O.B.:

Address: .

Please contact me on the number listed above if any of the issues raised in this letter are not clear.

Yours Faithfully,

Fiestychick

Pretty clear I thought until I received this in response.......

Dear Fiestychick

DATA PROTECTION ACT - Subject Access Request

We refer to your recent correspondance requesting a complete list of transcations and charges applied to your account(s) under the Data Protection Act. In order for us to progree this request please supply us with the following:

The fee for this service is £5.00 which covers all accounts requested. Please supply a cheque/postal order made payable to 'Royal Bank of Scotland'. We cannot accept cash.

We have a different address on our records. Please advise us and your branch of your new address and when you moved so that we can update our records

Please provide us with a letter containing your signature as we need to verify this in order to release account information.

Joyce Tudor

Retail Regulatory Risk

HAHAHAHAHA - ARE YOU KIDDING ME JOYCE?????!!!!!!

I know this is ridiculously long and probably only interesting to me but here is the response. Any thoughts before I send on Monday?

Dear Ms Tudor,

Thank you for your letter dated 30th May 2007.

Please find enclosed all correspondence I have entered into with RBS since February 2007 when I initially requested my copy bank statements. As you can see I have requested a number of times that my address is amended on your records and have stated on four separate occasions that I have paid £10.00 to cover the fee for providing me with the information I have requested. As such I am stunned by your letter and my already dwindling confidence in RBS as my fiduciary is waning further.

I will summarise the issues I have had with RBS thus far and advise what I require from you:

1) I requested 6 years bank statements from RBS on 27th February enclosing a cheque for £10.00

2) I received bank statements from August 2003 to February 2007.

3) I called my branch and was asked to put my request in writing again – which I did (28th March).

4) No statements received by 10th April so I called my branch again. I was called back on 12th April and advised my statements had been re-ordered.

5) I received a letter from Sandy Watt (28/04/07) advising that my statements had been ordered.

6) On the 8th of May I wrote to Sandy Watt advising that I had still not received my bank statements and requesting my address changed for the fourth time.

7) On the 17th May I received yet more copies of the statements I already had been sent comprising August 2003 to February 2007. I entered into dialogue with Ms Watt via email and I was advised that my original account with RBS was closed when I changed from the Runcorn branch to the Huddersfield branch in 2003. She advised me she was unable to provide my previous account number, but advised me to contact my old branch (Runcorn) to request this.

8) I issued a letter to Runcorn RBS on 23rd May advising of the above and requesting my statements.

What I Require:

It has now come to my attention via the Consumer Action Group, of which I am a member, that I am within my rights to claim back all charges levied on my accounts with RBS. As such I require that you supply information regarding charges levied against any accounts I have had with RBS. It has already been a total of 94 days since I requested my bank statements and RBS is in serious breach of the Data Protection Act. As I advised in my previous letter 23rd May, I have thus far been extremely patient and I have allowed RBS extra time to provide the information I require in light of the information I have been provided regarding the switch over of my account. My patience however is now at an end, and your letter appears to be yet further proof that RBS does not know what it is doing with regards my request.

I issued my last letter on 23rd May 2007. This was confirmed as delivered by Royal Mail online tracking on 30th May 2007. I advised in that letter that I would give RBS a further 21 days to provide me with the information I have requested before I file proceedings with County Court for your breach of Data Protection. This would give you until 20th June to provide said documentation.

In response to the issues raised in your letter you advise that there is a fee of £5.00 to provide the information I requested. As I have already paid £10.00 (although I haven’t received the information I requested) please provide me with a refund of £5.00.

I look forward to your response.

Yours sincerely,

Fiestychick

Honestly you couldn;t make this up could you!

Well peepies hope you are all having a delightfully fabulous wekend

Love Fiestybird

 

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Hello fiestychick – just read your thread and can only advise you to be patient with the poor RBS Customer Relations Unit peeps – the pour souls are being run off their feet with all us moaning minnies demanding decent service from our bank – I too had a bit of a problem getting copies of my statements from the CRU of RBS – I asked for copies of both my accounts, Current & Royalties going back 5 years (I live in Edinburgh so can only go back 5 years under Scots Law) – I got my Current ok but some months were missing from the Royalties copies but kept pestering by phone (only a local call for me) and by letter until I got all 5 years for the Royalties – 3 sets of copies in fact all arriving by the same post!!! – a bit like buses I suppose, nothing for ages then 3 all at once – and I never paid a penny for them, just asked politely.

 

My main grouse against RBS is not so much about getting my “penalty” charges refunded, although I am claiming them back now, but is another matter which is too long and complicated to go into here but my first letter of complaint to them was sent on 1st August last year, i.e. 10 months ago, and I heard nothing for months from them, I half hoped they had forgotten all about me but they came back offering me a deal which I have refused and so my complaint has still not been resolved to my satisfaction although they appear to have conceded that my grievance may be justified but I don’t want to say too much at the moment.

 

I would advise you to conduct as much of your dealings with the Bank by letter or email, preferably by letter though, always keeping copies and keep any phone contact to an absolute minimum and do not conduct any business at all by phone, it can be too easy to forget the actual details of a phone call - if they phone you about something, ask them to put it in writing and, without being downright rude, be abrupt as possible. Although most of the peeps at CRU I have spoken to have been polite and friendly enough, it is all too easy to say something which might prejudice your case, especially if the other person is being friendly and helpful – keep everything on a strictly business level – a good idea is to remember the words of Michael Corleone (Al Pacino) to his brother Sonny (James Caan) in The Godfather, “It's not personal, Sonny. It's strictly business.” –

 

Anyway the best of luck with your battle, be patient as I have said previously the CRU of the RBS, as with most banks, must be in near meltdown just now and I suppose it can only get worse for them, and us as regards getting things done, as more and more peeps start claiming the charges be refunded and, if the OFT deem that the level of the charges has been excessive, then they will be engulfed.

 

Keep on trucking :)

 

Yanni

  • Haha 1

“It's not personal, Sonny. It's strictly business.”

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Many thanks Sparkie and Yanni for your replies.

 

Sparkie, am still waiting with baited breath to hear the good news that Sparkie has WON (hope I don't pass out!).

 

Yanni, how are you doing with your claim - any luck so far? all the bst with it x

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