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Royal Bank of Scotland Meet other RBS customers who have also been faced with excessive unfair bank charges. Exchange encouragement and information about getting your bank charges refunded


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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

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Old 22nd November 2006, 00:54   #1 (permalink)
SweetRevenge
Basic Account Customer
 
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Default Help me out pls - Banks "Unfit to Hold Consumer Credit Licence"?

Hi everyone, having to post new thread, cos' i'm billy no mates on old one!

I'm about to put in my LBA with RBS and noticed this on the template:
Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

Can anyone tell me if they have included this, did it make a difference, did anyone follow thru yet etc? From what I've read its a pretty powerful (and therefore possibly inflammatory) threat - I'd like to gauge some reaction if there is any?

Cmon someone please give me some help?
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RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
WON at LBA with compound contractual interest £607

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.


This is now very out of date!!!!
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Old 22nd November 2006, 01:17   #2 (permalink)
mbdiss
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Default Re: Help me out pls - Banks "Unfit to Hold Consumer Credit Licence"?

only put that in if that's what you intend to do. done not make empty threats to them. be very sure you whant to go that route.
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Old 22nd November 2006, 01:22   #3 (permalink)
ukaviator
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Default Re: Help me out pls - Banks "Unfit to Hold Consumer Credit Licence"?

Hi Sweetrevenge

I would leave that bit out. The claims are refunded without that bit of wording.

Uk. .
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Old 23rd November 2006, 22:54   #4 (permalink)
SweetRevenge
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Default Re: Help me out pls - Banks "Unfit to Hold Consumer Credit Licence"?

Thanks peeps that's all I need to know. Sending it off without.
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Old 23rd November 2006, 23:56   #5 (permalink)
giveITallback
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Default Re: Help me out pls - Banks "Unfit to Hold Consumer Credit Licence"?

I added purely for effect you dont have to carry on with they offered to settle in full after two attempts and now im chasing interest...
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