natwest/rbs back office page 6 screen print sar request

js78

i read somewhere on here that you can get all the info on Natwest / RBS are prepared to lend you by paying £10 for a screen print of this page 6 of their back office system.

does anyone know what you put to get this information in a letter? or has a template?

does it really tell you this or is it just people tellin porkies?

js78

I wrote this to National Hunter.

Notice under section 7(1) of the Data Protection Act 1988 in connection with subject access to my personal data.

Please send me the information i am entitled to under section 7(1) of the data protection act 1988.

If you need any further information from me or a fee please let me know immediately.

If you do not handle these requests for information, please pass the letter to the organisations data protection officer as soon as is convenient.

Yours faithfully





What should i add to specifically to get this page 6 data?, is there anything i should add?, anyone done this themselves? i am a new customer to natwest/rbs would i get any products?

Twister84

Never heard of this before to be honest, so I'm curious to know where you've heard this from.

If you're looking to take something out with RBS/Natwest, such as a loan etc, we can usually tell you if it'd go through or not before keying it. As far as I'm aware though, it's just for internal use.

I have, in the past, told customers whether they "assess" for something or not, so if you're after something in particular, just ask if you can have it - they should just tell you.

Twister84

js78 wrote: »

What should i add to specifically to get this page 6 data?, is there anything i should add?, anyone done this themselves? i am a new customer to natwest/rbs would i get any products?

How new are you? And what sort of account is it?

Sometimes, customers don't have an assessment screen because of these reasons.

chambta

Can't see how you'd benefit from knowing this to be fair.

ShelfStacker_3

chambta wrote: »

Can't see how you'd benefit from knowing this to be fair.

If anything, it could be a detriment - you could get into levels of debt that you can't afford but the bank is offering you, solely based on the bank offering it.

Actually, chambta, while we're sort of on the subject... seeing as you're an RBSG bod, I'm going down to see them tomorrow about matching my overdraft and card type with First Direct (in fact, I don't even want to match the overdraft, just get £50 or so limit and a Highline card). They say they'll do this on their website - is this credit scored or overridden or what?

Kavanne

If it's anything like halifax it can change from week to week even. On my halifax online banking my preapproved overdraft yo yos between £1000 and £9500! Currently on £4400 lol

opinions4u

Kavanne wrote: »

If it's anything like halifax it can change from week to week even. On my halifax online banking my preapproved overdraft yo yos between £1000 and £9500! Currently on £4400 lol

Lucky moo. I've gone from £10k across 3 different accounts to NIL!

They see my wage, manage my credit card, have my mortgage and savings, insure my house and I have a 999 credit rating!! I rarely go overdrawn, but do like having the cushion there!

Kavanne

opinions4u wrote: »

Lucky moo. I've gone from £10k across 3 different accounts to NIL!

They see my wage, hold my credit card, have my mortgage and savings, insure my house and I have a 999 credit rating!!

haha you want it?

js78

I think i read about it on here.

Benefits for me would be with me having about 80 searches on experian and about 9 on equifax, dodgy info alias on call credit!(i queried this ages ago no reply!).

If i knew what i was preapproved for that would benefit me rather than i have been aimless in my attempts to improve my rating. If you know what they will let you have that means no negative info on fraud agencies and the info the banks exchange between themselves.

I have a £100 guarantee card If i say I have £250 one and i don't the information they exchange will decline me, wheras with this info i can go in get sorted and out with no problems.

Credit scoring is a load of twaddle this programme other night proved that with Martin on it how can you have a bankrupt with a higher credit score than my dad? who doesn't use credit, but owns many houses for btl? crazy world.

ShelfStacker_3

Credit scoring is a load of twaddle this programme other night proved that with Martin on it

For the tiny proportion of edge or borderline cases, it doesn't work. For most people, and most companies, it does. The other option would be to have a manual underwriter sifting through all your bank statements and digging through your finances for everything - pardon me, but I'll take the scoring, thanks.