RBS.co.uk keeps your data active after account close.

EarthBoy

someone said:

10 years seems excessive and beyond many statutory requirements. Are you sure you don't have any products with RBS (or NatWest?)? Mabe an old savings account with a nil balance?

Ten years is nothing.  First Direct keep records of former customers going back to 1 October 1989, i.e. when they first opened for business.  Their joining bonus is for first-time customers only, so if you've ever had a previous account with them they will have a record of you.

RG2015

someone said:

10 years seems excessive and beyond many statutory requirements. Are you sure you don't have any products with RBS (or NatWest?)? Mabe an old savings account with a nil balance?

There will not be any connection between data held at RBS, NatWest any other RBS/NatWest Group companies such as Ulster Bank.

born_again

ratechaser said:

As long as there is a justifiable commercial reason, they can keep data as long as the justification holds. Some banks will never deal with you again if you've defaulted on them, we hear stories of this happening from 20+ years ago...

That said, I would question why they would retain PII like your mothers maiden name - there's no obvious commercial reason for that unless they could somehow claim it helps them uniquely identify you from other people with a similar name. Definitely worth questioning this.

But sue them? Puuuuurleeease... 

So just how do you think they are going to take anyone through security without that info?

It is all part of the account info.

[Deleted User]

RG2015 said:

someone said:

10 years seems excessive and beyond many statutory requirements. Are you sure you don't have any products with RBS (or NatWest?)? Mabe an old savings account with a nil balance?

There will not be any connection between data held at RBS, NatWest any other RBS/NatWest Group companies such as Ulster Bank.

Sorry but this is not the case. When I had fraud on my RBS account all contact was with Natwest, not RBS.

RG2015

[Deleted User] said:n

RG2015 said:

someone said:

10 years seems excessive and beyond many statutory requirements. Are you sure you don't have any products with RBS (or NatWest?)? Mabe an old savings account with a nil balance?

There will not be any connection between data held at RBS, NatWest any other RBS/NatWest Group companies such as Ulster Bank.

Sorry but this is not the case. When I had fraud on my RBS account all contact was with Natwest, not RBS.

This is interesting. RBS and NatWest do share a lot of back office functions, so fraud investigations must be one of them.

However, whilst dob will not change, many choose to give a made up mother’s maiden name. Therefore, as the OP was asked for their mother’s maiden name by RBS it wouldn’t necessarily be valid for a NatWest database.

Thrugelmir

RG2015 said:

someone said:

10 years seems excessive and beyond many statutory requirements. Are you sure you don't have any products with RBS (or NatWest?)? Mabe an old savings account with a nil balance?

There will not be any connection between data held at RBS, NatWest any other RBS/NatWest Group companies such as Ulster Bank.

There'll be sharing of critical data between the subsidiaries. 

Thrugelmir

collyuk_2 said:

just had an email from rbs.co.uk stating a mastercard was on the way but i closed my account 10 years ago.

There's closed and closed. Perhaps there's an old account that never actually was closed formally. 

RG2015

Thrugelmir said:

RG2015 said:

someone said:

10 years seems excessive and beyond many statutory requirements. Are you sure you don't have any products with RBS (or NatWest?)? Mabe an old savings account with a nil balance?

There will not be any connection between data held at RBS, NatWest any other RBS/NatWest Group companies such as Ulster Bank.

There'll be sharing of critical data between the subsidiaries. 

What would comprise critical data? DOB perhaps, but I doubt it would include mother’s maiden name, as the OP stated.

I do though stand corrected on my assertion that they do not share data.

[Deleted User]

I always thought RBS and Natwest used the same backend system and allowed each other access to it, as RBS is just a brand of Natwest. For example I can go into Natwest and do everything I can in an RBS bank.

Interestingly when I had a Lloyds account, I could not do that in Halifax branches.

ratechaser

born_again said:

ratechaser said:

As long as there is a justifiable commercial reason, they can keep data as long as the justification holds. Some banks will never deal with you again if you've defaulted on them, we hear stories of this happening from 20+ years ago...

That said, I would question why they would retain PII like your mothers maiden name - there's no obvious commercial reason for that unless they could somehow claim it helps them uniquely identify you from other people with a similar name. Definitely worth questioning this.

But sue them? Puuuuurleeease... 

So just how do you think they are going to take anyone through security without that info?

It is all part of the account info.

But the question is, what reason would you have to need to go through security with a bank you've not had an account with for many years?

I know an obvious answer to this is in the fact that the OP did exactly that, but then that leads to a the conclusion that everyone should probably have security information registered with every bank, just in case something odd were to happen that needed them
to call and be quickly identified...