v RBS and Sainsburys bank Visa

pauline777 · 13th August 2006, 23:21

HI
Ive just posted my two letters after spending all last week looking at this site. Thanks for all the information. Its a good site.
I have sent one letter to the RBS and another to Sainsburys bank Visa.
The only thing im concerned about is that I have a Mortgage with the RBS, if it goes to court and they close my account down can they then ask me to find a new mortgage provider. Sorry if this is a silly question but its been on my mind. Can anyone help.
I will keep you posted on my fight with these companys
thanks

Michael Browne · 13th August 2006, 23:27

No, your mortgage is covered by a totally separate agreement and won't be affected by a claim on your bank a/c

pauline777 · 13th August 2006, 23:47

Thanks thats good to know

pauline777 · 16th August 2006, 16:36

Had usual reply today. saying sorry for any dissatisfaction of the charges. Saying that the charges are fair,reasonable and transparent.
they have also said if i disagree can i let them know the dates and amounts of the dispute.
Just to double check. I dont have to provide them as they know how much they have charged and when. Or do i have to give them to them. Please can someone confirm for me.
thanks

mcarreno · 16th August 2006, 21:00

Hi

Did you send s schedule of charges (dates amount etc.) with prelim leters?

M

pauline777 · 17th August 2006, 00:03

No. Just a basic letter. Asking for my Refund.

pauline777 · 18th August 2006, 01:34

:o LBA letter going to the RBS tommorow stating an answer within 7 days
another step forward.
pauline

Mairi · 18th August 2006, 01:46

Hi Pauline
Put a schedule of your charges with this letter and better to give them 14 days, if it has to go to court it shows you gave them a reasonable time to respond.
mairi

pauline777 · 3rd September 2006, 22:52

HI just an update
RBS has sent a letter back saying they are looking into my concern. So im sending an court letter next. they havent resolved the complaint quickly as the letter was dated 21/08/06
next step here we come
pauline

mcarreno · 4th September 2006, 22:19

Hi

Keep to your timetable- not theirs.

Good luck and keep us informed.

M

bathgatebuyer · 5th September 2006, 13:20

I've got exactly the saem situation with the Royal Bank!!! I have a big credit card bill with them, and mortgage.

That is the only thing that has prevented me from taking action against them.

pauline777 · 13th September 2006, 22:33

Hi just an update
I got a letter from sainsburys bank visa yesterday. After sending them the "letter before action" they have said they will give me half of what i asked for. BUT i have to sign a form saying thats full and final payment. So today i am preparing the letter to go to the small claims court. Do they really think we will only accept Half our money back ! not this girl !!!

bathgatebuyer · 22nd September 2006, 20:39

Looks like you and I are going to be going through this at roughly the same time but with you a few weeks ahead! I'll be right behind you picking up whatever scraps of leave of Sainsburys in your wake!

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