PPI`s the Royal Bank OF Scotland section 78

mishymoo2

Hi all,
Just wondering if anyone can give me some advice. I have requested my terms and conditions of my bank account to check for PPI. They have sent me a letter saying that as i have been bankrupt but am now discharged. The sum is now due to the RBS under the terms of the judgment rather than the CCA agreement. Therefore the bank is no longer obliged to provide me with the information required. Is this right or are they just trying to put me off claiming !!!

amersall

They are more than likely right,i am not too sure,but hopefully someone who knows more about this will post and help you with this.

tifosi

Your best bet here is to send a Subject Access Request under Section 7 of Data Protection Act 1998

That way, if they hold it they cannot refuse to supply it to you

stclair

You can view your bank accounts terms and conditions here:

You can download PDFs of our terms and conditions for current and savings accounts and charges and rates of interest leaflet.

For customers with current accounts opened before 4th July 2011 who have not been notified of a change to their current account and the applicable Terms, and for customers with savings accounts:

• RBS Personal and Private Banking - Terms and Conditions (PDF, 261KB)

For customers with current accounts opened on or after 4th July 2011 plus customers with current accounts opened before 4th July 2011 who have been notified of a change to their current account and the applicable Terms:

• RBS Personal & Private Current Account Terms; Personal & Private Current Account Fees & Interest Rates; Helping you get the most from your Personal & Private RBS Current Account (PDF)

dunstonh

They are correct. The CCA requirement only applies to debts in force.

Also, if you make a complaint that is successful and they had written off some of your debt, they can use the redress payment towards the amount written off rather than pay it to you. So, the whole thing may be pointless in your case.

mishymoo2

Thank you all for the excellent advice