Going back over 6 yrs, no info?

[Flame17]

Hi

I wrote to the RBS asking for my statements going back past 6 years as they only initially provided the last 6 years.

I have had a letter back from RBS telling me that they hold no statements on my account going back 6 years. They say they don't have to keep them so they haven't.

This is an old account closed in 2003.

 

I'm not 100% convinced they are being honest, afterall its the RBS. Do you believe them? Is there anything else I can do?

 

Is it worth starting court action or am I just going to have to take them at their word that the statements are gone.

Thanks

Paul

[Sparkie1723]

Don't believe them in the slightest they are telling lies ....I've got statements out of them going back to 19 Dec 1997 and I'm going to force them to produce them going back futher.Take a look at this letter that came with my statements.

Proof they are telling you lies

sparkie

Your Ref:

OurRef: RBS / 28694065 / Arch / CCT / JMK

Date: 18th June 2007

RBS

The Royal Bank of Scotland Croup

Credit Management Services Customer Care Team

Kendal Court Ironmasters Way Telford TF3 4DT

Direct Dial Number: 01952 - 206432

Facsimile Number: 01952-206531

Textphone: 01952-206570

 

I write further to our recent telephone conversations regarding the corresponding entries to the debits to your personal account numbered XXXXXXXX.

As discussed, I have been able to obtain copy statements for the business account numbered XXXXXXXXcovering the period from the start of 1998 through to mid-May 1998. I would draw your attention to the credits recorded on 31st March and 7th May 1998 - both for - which correspond to the withdrawals -from your personal account.

I am still trying to obtain further statements but, as you are aware from our conversations, there is an element of trial and error in the process of obtaining these as I cannot be certain of the precise date that the account was closed.

However, there does appear to be activity on the account beyond the date that we originally understood that the account had been closed and replaced with your personal account. This includes entries such as cheques and credits that could only have been instigated by you.

I will continue to try to obtain further statements and these will be forwarded to you if and when I receive them.

Yours sincerely

J.M.Kennedy

 

The Royal Bank of Scotland pic is registered in Scotland No 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB

The Royal Bank of Scotland pic is authorised and regulated by the Financial Services Authority and represents The Royal Bank of Scotland Marketing Group. The Bank sells life polic units in collective investment schemes and pension products and advises only on the Marketing Group's range of these products and on a With Profit Bond produced by Norwich Unic Life

[Flame17]

Cheers Sparkie

 

That's all well and good, and I'm already convinced they are talking crap about not having any statements older than 6 years, but how do I proceed? Is there some sort of proof they should have that the statements were destroyed? Can I force them to produce this? Are they legaly obliged to keep statements for a fixed period of time?

 

Sorry about all the questions, but I really want to stick it to 'em good!!

[Sparkie1723]

No there is only a stipulation that they must keep for at least six years....but if anyone holds information for a period longer than six years the Data Protection Act states they must have a reason for doing so and ithey must give you a reason for keeping it also if they do, they must supply you with it because it is your information and you are entitled to it, that is why Banks allways say that they hold information for no longer than six years, so if they do and do keep it longer they are making negligent miss statements with the deliberate attempt to deceive and mislead.

 

sparkie

[Flame17]

So how do I proceed, they say they don't have them, they have no obligation to have them.

What can I do?

[Sparkie1723]

Just write and tell them to supply them ......as you can provide absolute proof ( from th RBOS themselves) that they DO keep statements longer than six years, and have provided them to other customers so why are they discriminating against you..... andif necessary prove it in court but the evidence will not be shown to them until the day of a court hearing as it is priviledge information, and does not belong to you...... but at a push you could use my evidence to the fact.

 

sparkie

[Flame17]

I may be sounding daft here but just because they have some peoples statements surely doesn't mean they have to have mine, especially since the account was closed a few years ago.

 

Debs (the wife)

[Sparkie1723]

Why should they keep some peoples statements and not others one of my accounts was supposed to have been closd in 1998, I got statements on that account, so again why keep some and not others

 

sparkie

[Flame17]

OK Thank you for all your help. I will send out a letter and see what happens