RBS card debt still with RBS

[Juandy]

Hi, struggling to find RBS address for sar request. 

Is this the best option.

36 st Andrew's square, 

Edinburgh 

EH2 2YB

[dx100uk]

how about their website...

How do I submit a Subject Access Request (SAR)? - Royal Bank of Scotland (supportcentre-rbs.co.uk)

[Juandy]

Hi, found it. Do I ask for copies and reprints of my documents 

[dx100uk]

no need and sar is for all info they hold on you.

 

dx

 

[Juandy]

Sent sar request online,  just got to confirm identity. Will do tomorrow.

[Juandy]

Sent sar request to RBS via online link.

They are now trying to call me.

Should I answer call and if so what should I say 

[BankFodder]

What exactly do you ask them for in the SAR? Why did you send them the SAR?

[Juandy]

Have a credit card debt which have been paying for years on monthly arrangement, was advised to send sar request to see if enforceable 

[BankFodder]

Well by all means speak to them – that you should say as little as possible and let them do the talking. Take notes – but better still record the call.

If your SAR is based on our template which basically means that they have to disclose everything, then if they start asking you what specifically are you looking for, you simply go very blank and say that they have got your SAR and it's very clear and you are not prepared to make any comment on it.

Also, remind them that the clock is ticking. Your deadline is firm. And if they don't comply by the 30 day deadline then you will sue them. If they leave anything out then you will sue them.

I would suggest that you be quite dismissive.

If they phone you and start asking you for passwords or ID et cetera – you should tell them that they have decided to call you. It's up to them to provide you with some kind of ID and if they won't then tell them that you are prepared to go ahead with the call. Simply remind them that the clock is ticking.

In other words I would be broadly uncooperative and make them realise that this is a serious matter and there is no negotiation and no discussion

[Juandy]

Thanks for the help 

[dx100uk]

the idea of the sar to RBS was not about enforceability but more to findout how much of this debt is made of unlawful penalty charges etc.

the card is still owned by the original creditor , once we know the above details you might well be sending a CCA request.

 

no harm in talking to them, you want ALL the information they hold on you for your own personal financial ecords (don't say WHY!!) .

 

dx

 

[Juandy]

Ok thanks for the response. I will answer next time they call

 

Been on contact with RBS and asked for information they hold on me. Informed that my request will be processed but said that there were no active accounts 

[dx100uk]

[Juandy]

Had previously sent a cca request to Aic whom I thought held the account, they responded saying if I require a copy of the cca, a letter asking for a copy, signed by the account holder and the client reference, they will then forward this to their client to allow them to provide this information. The cca already sent to aic only included their ref no. Not the RBS customer ref.

What steps should I take now.

[dx100uk]

await the sar

 

dx

[Juandy]

Ok, I shall wait for response. Hope it's good news.

[dx100uk]

new rbs card thread 

when was this card taken out please

[Juandy]

RBS mint cc now managed by aic international.

Sar response is statements from January 2011 to present. 

All statements are showing balance and monthly agreed repayment. 

Please advise on next action 

 

Received response from sar.

Statements from January 2011 to April 2021, all showing monthly payment made and adjusted balance 

[dx100uk]

so you now have all the statements from day one...

 

have a look for fixed sum £12 penalty charges. over/late/letter

they are all reclaimable....

[Juandy]

Been through all statements. 

They appear to start from when I had defaulted and they just show my monthly payment, no Interest, no charges. 

[dx100uk]

so there are statements prior to that date missing.

when did you take the card out?

 

dx

 

[Juandy]

Not sure probably around 2006-8.

1st statement they've sent is Jan 2011 and just say balance brought forward from previous statement.

Only appear to have sent statements after going on payment plan 

[dx100uk]

go ring them and ask where the earlier statements are please

[Juandy]

The only other thing on any of the statements is a ppi refund paid off balance in 2012 for premiums paid between 2002 and 2005

 

Have requested earlier statements,  looks like account originally opened approx 2002

[Juandy]

Rang RBS,  bit vague but said statements were only kept for certain period and what they've sent is probably all they have. Sar request details were done online and sent by email. I have replied via email but not had a reply as of yet