Roosterrs Wife V RBOS

[Roosterrs]

Hi

Just sending of Subject access request for 6 years statements for my wifes account with RBOS. Could anyone offer any advice about dealing with RBOS?
Currently negotiating with HSBC for return of my own bank charges and am currently waiting for my aq to arrive.

[Stornoway]

I've just had a response from Mrs Carpenter, Data Protection Officer at the Southend On Sea address. Might save time to address request to her.

[thegujju]

Quickest way to get the statements is to ring your branch and request them. They'll ask for the dates you want them for and £5 will be taken from your account. I did this with two RBS accounts recently and received statements for both accounts within the week.

They asked me why I wanted them so I said 'for my records' as I'd misplaced some old statements. (didnt have the balls to say 'I want to reclaim my charges' over the phone- lol).

[Roosterrs]

This may sound silly, but The small claims pack is for England and Wales only and Patricia Pearl book is not for Scotland. Does the RBOS operate under Scottish law or as the branch is in England under english law?
I would like to clear this up before I start.

[Stornoway]

the process is based on where you live - you file claim at the nearest court to where you live.

[Roosterrs]

Received statements from RBoS. Can I claim for the following:

Referral Charge
Unpaid Item
Card Misuse

There are also CHG to date A/C XXXXXXXX which vary from £5 a month to about £40 a month. This is a Royalties account and I understand there is a charge per month for the account £5??. Do I subtract this from the figures and claim this also? Has the charge for a royalties account gone up from £5? Or has it gone in steps over the years?

[Essix Blue]

Originally Posted by Roosterrs

Received statements from RBoS. Can I claim for the following:

Referral Charge
Unpaid Item
Card Misuse

There are also CHG to date A/C XXXXXXXX which vary from £5 a month to about £40 a month. This is a Royalties account and I understand there is a charge per month for the account £5??. Do I subtract this from the figures and claim this also? Has the charge for a royalties account gone up from £5? Or has it gone in steps over the years?

I have a Royalties Gold Account - fees for that are now £12, but were £9 6 years ago.

You deduct that fee (because you can't claim that back) from the monthly charge and claim back the rest. You'll need to find what your monthly fee is - there are links available or look at the RBS website.

Yes, you can claim bacl
Referral Charge
Unpaid Item
Card Misuse

You can also claim any interest you've paid on these charges if they sent you overdrawn.

[Roosterrs]

Just Finished Going Through The Statements And The Wife Changed Her Account From A Royalties Current Account To An interest Paying Current Account Last Year. Can We Claim Back The £28 Maintenance Charge Each Month She Has Gone Over Her overdraft Limit on the Interest Paying current account?
Also On The Royalties Account The Membership Fee Went Up From £5 In Approx Nov 2002 To £10 In Jan 2003. Can Anyone Confirm Those Dates?

Are there some issues with claiming back from RBoS at the moment?

[missm]

YES the £28 on interest paying current is just the charge for exceeding your overdraft.

[missm]

the only issue is they seem to pay up and QUICK if you don't claim interest.
I sent my prelim on the 30th of jan and had the money in my account by the 15th of Feb.
this was my second claim on the same account. only for £314, however my first claim was for £855.

[Essix Blue]

Originally Posted by missm

the only issue is they seem to pay up and QUICK if you don't claim interest.
I sent my prelim on the 30th of jan and had the money in my account by the 15th of Feb.
this was my second claim on the same account. only for £314, however my first claim was for £855.

which interest do you mean? Interest they've charged you when you go OD, or contractual / 8% interest??

[Roosterrs]

What address did you send the prelim to? The local branch or head office?
What is the head office address and who do you send it to?

[spotnot]

RBS have offered to repay my Dad's charges in full after the prelim letter. However, we are claiming contractual interest so have refused their offer.

Filling in small claims N1 tonight.

[missm]

Sent everything via email to tommy.mclean@rbs.co.uk
lots of people send to
Sandy Watt
Customer Relations
Ground Floor
The Forthstone
56 South Gyle Crescent
Edinburgh

[Roosterrs]

Sent email to Tommy Mclean with the letter to follow.
As I am based in england I am assuming I have sent this to the correct address?

[missm]

Yep, the claim is filed where you live. if it gets to moneyclaim online you can either use your branch address or the princess street, london address.
(check the contacts thread)

[Roosterrs]

Offer received for full requested amount today. Happy days!!
Now just waiting for the money to hit the account.

[Roosterrs]

Money in the account!!!

[Essix Blue]

How much (roughly) were you claiming??

[Roosterrs]

£3000 without any interest, just charges!