Need some advice please

staceyrach

Hi,

In the last few years I've had the following loans, all with RBS.

- 5000 (2010)
- 1500 (2yrs ago)
- 8000 (around 3-4yrs ago)
- 4000 (around 4-5yrs ago)

Could someone clarify for me exactly what i need to do.

I have no bank records so i need to request an SAR from bank and pay £10 PO. I'm unsure exactly what i have to do once i have my records. Also, do i need to create a claim for each loan?

Also,does someone know the exact address i should write to?

Any help on this will be much appreciated.

Thanks in advance,
Stace

Allisonfyfe

Hi I'm having a problem with rbs and looking for advice re this too! Fingers crossed some1 can give us advice

staceyrach

let's hope so!

staceyrach

please please please help.

terence13

Hi
Have had a look as I need to also send for SAR on the off chance that they are still holding info on loans dating back from 1992!! Address to send to is
Data Protection Manager
Retail Regulatory Risk
2nd Floor
Business House B
rbs Gogarburn
PO Box 1000
Edinburgh
EH12 1HQ

Good luck. Hope this gives you the info that you need

staceyrach wrote: »

Hi,

In the last few years I've had the following loans, all with RBS.

- 5000 (2010)
- 1500 (2yrs ago)
- 8000 (around 3-4yrs ago)
- 4000 (around 4-5yrs ago)

Could someone clarify for me exactly what i need to do.

I have no bank records so i need to request an SAR from bank and pay £10 PO. I'm unsure exactly what i have to do once i have my records. Also, do i need to create a claim for each loan?

Also,does someone know the exact address i should write to?

Any help on this will be much appreciated.

Thanks in advance,
Stace

terence13

Sorry in answer to your other questions I filled in FOS questionnaire and sent away complaint about 1 loan stating my reasons. In covering letter I also asked them to look into any previous loans that I had had with them. I think all in all I received info about 7/8 loans (was young, stupid and had no money sense back then) ppi they paid out on dated back to 1999 but said that they didn't have info on loans before that date (even although they supplied me with acc nos for loans which I didn't have. Hence the SAR). They took the full 12 weeks but think they should be taking 8 now. Once I had returned acceptance forms money was paid into my bank account in about a fortnight.:T

staceyrach wrote: »

Hi,

In the last few years I've had the following loans, all with RBS.

- 5000 (2010)
- 1500 (2yrs ago)
- 8000 (around 3-4yrs ago)
- 4000 (around 4-5yrs ago)

Could someone clarify for me exactly what i need to do.

I have no bank records so i need to request an SAR from bank and pay £10 PO. I'm unsure exactly what i have to do once i have my records. Also, do i need to create a claim for each loan?

Also,does someone know the exact address i should write to?

Any help on this will be much appreciated.

Thanks in advance,
Stace

staceyrach

Hi terence, thanks for this. When you say you sent the questionnaire of, did you send it to the same address?

staceyrach

sorry, and did you actually take out PPI knowingly? I don't think i took out PPI at all but i'm hoping my records say they've added it without my knowledge. Do you mind me asking how much your loan was for and how much you got back. I'm not a very lucky person so i doubt i'll get aything back but it's worth a go i suppose.

staceyrach

i also foudn this template on here. is this the one i need to use
Dear Sir/Madam
Name xxxxxxxxxxxx
Account No’sXXXXXXXXXXXXXXXXXX


I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts and credit cards accounts

I would be grateful if you would provide the following for ALL accounts or associated accounts I hold or have held with your organisation:
Full copies of all contracts which you believe exist or have existed between myself and your organisation, including true copies of any documents you hold in support of the same.
A complete list of all transactions or statements relating to ALL of my Loan Accounts with your organisation.
Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.
Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.
Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.
Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.
Underwriting sheet or other such document recording any commission (or other) payment made to an intermediary or packager, and/or payment/commission from the insurer in relation to my account.
Where you have used abbreviations and/or codes, I would request that an accompanying sheet be provided so as to translate these abbreviations and/or codes and their meanings, I also request an accompanying appendices of the documents included and reference to the purpose or meaning to those documents.

I request that you provide all the information requested above, even though you may consider that it falls outside Data Protection.

I reserve the right to refer to the contents of this letter if an application for pre-action discovery is necessary relating to any of the documents requested herein.

I enclose a cheque in the sum of £10 to cover your fee.

IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIALTELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION.

I look forward to hearing from you in the first instance of receipt.

Your Faithfully.