Andrew1 vs Natwest

[andrew1]

I recently wrote to NatWest by sending them an S.A.R - (Subject Access Request) under the Data Protection Act for an account, now closed which we ( my wife & I ) had over 10 years ago but which suffered heavy charges. Notwithstanding any arguments of the Limitations act - Natwest have just replied using a 'tick box' list of answers stating that these two points

 

1) the fee for the service is £5 which covers all accounts requested ( I sent in my required cheque for £10.)

 

2) from the info provided, it is not possible to trace account(s) requested. Natwest uses only numeric code for the identification of accounts and without a valid account number and sort code we are unable to locate a closed (OR OPEN :o ) account. Please let us know the sort code and a valid account number and the date when the account was opened and closed.

 

I have lived in my current address for 18 yrs and my previous address for 11yrs. I supplied both, but I have no account number or sort code ( although the sort might be possible although the branch closed some yrs ago).

 

Now can any of our Natwest friends tell me if an account can be traced by name and address only or is this correct above and also what's all this £5 business?

 

also, what is the liklihood of getting my statements for the ten yrs prior?

Cheers

[Guest peed orf]

That's exactly the same as I had back from them! Only I sent them one of the account numbers. And they sent my cheque back!

[Guest ChloeJane]

Hi there,

 

Incorrect. They can trace you by any of the methods for address and name and it is merely a delay tactic.

 

You need to write back to them clearly identifying the wording in the Data Protection Act -

 

(3) A data controller is not obliged to comply with a request under this section unless he is supplied with such information as he may reasonably require in order to satisfy himself as to the identity of the person making the request and to locate the information which that person seeks

 

The addresses and your full name is more than enough to identify you and a closed account.

 

A full copy of the section 7 access request is here

 

Data Protection Act 1998

 

When you write to them, I would do it clearly as a non compliance. They are obviously not complying with the ACT.

 

A link to the letter is here -

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Add to this that the details you provided with full name and address more than satisfies the requirement that you are the data subject.

 

If you need clarification on this - look me up in chat.

 

All the best

 

CJ

[hedgey06]

Have a look through here too andrew....... http://www.consumeractiongroup.co.uk/forum/natwest-bank/28533-how-find-account-number.html.......... this may give you a few tips! Good luck, hedgey xxx

[Guest NATTIE]

MODS MAY WISH TO DELETE THIS POST SO PLEASE BE AWARE THAT I WARNED THE BANK PRIOR TO POSTING THIS TWICE.

 

For NatWest Data Protection Team.

Providing the account holder has provided the sort code of branch account was held at(name and addresses on the letter)

You do this, Back Office option 4 option 26 followed by option 45(NatWest Archive) this should mean option 1 or 2(the one that is not copy statement ledgers). This brings up 12 options one of which is locate account number, Name post code branch sort code options available.

 

THAT INFO IS SACKABLE SO THIS INFO IS GROSS MISCONDUCT UNDER THE CODE OF CONDUCT. I WARNED I WOULD DO THIS TWICE. I HAVE NOW DONE THIS

 

 

****Mods up to you and post reported for your decision as you will miss this post without me doing this*****************

[hedgey06]

Nice one Nattie - I hope the mods don't delete this one as you're only giving honest, truthful advice. Thank you, and well done you. Hedgey xxxxx:p

[Guest NATTIE]

Hedgey, the post means I will be a deer and the bank the hunters, any clues that i post will draw them in to me. I can argue the case that i was supplying info that has reduced natwest payouts ie UBF and ADGD fee but not divulging natwest codes to retrieve info. As i said the info posted is a definite gross misconduct and sackable under the code of conduct. If however, this is generally an issue then maybe i have saved the bank payouts on data protection non compliance.

[hedgey06]

The fact that you're prepared to stand up for what you believe is right speaks way more than any policies or procedures that anybody may have Nattie. Whether it's a sackable offence or not, tis you that has stood up for what you believe is right. That makes you the better and bigger person in all situations. And Nattie, everybody on this forum values your input, and the fact that you put your neck on the line on a daily basis to advise us, support us, guide us......... and generally make sure that we successfully reclaim our charges. Without you, we'd be sincerely lost and unable to develop our confidence. Regardless of bank policy or CAG protocols......... thanks Nattie. You've booked your place in heaven as far as I'm concerned! xxxxxxxxxxx

[andrew1]

NATTIE I am deeply indebted to you ( no dca's please ) I would never wish to see anyone get fired because of me although I have some good mates who might be able to find you a job!

 

I'll get my reply off straight away.

[Guest peed orf]

thanks Nattie. You've booked your place in heaven as far as I'm concerned! xxxxxxxxxxx

 

And I'll dust the stairs with golden goose feathers and rose petals! :o

[fendyweather]

Wow, powerful posts. Lol. Im soooooooooo impressed.

 

Fendy xx

[Guest peed orf]

Nattie, that was the most fun I've had this week!

Thankyou.

SAR going again today.

[andrew1]

Doubled up with a new thread I'd started..woops..sorry guys..

[texanbar]

Thanks NATTIE,

 

Bet you walked the world and back before posting on here... hope you found some friends along the way - we all have

 

x:)x