Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I have been with the Royal Bank of Scotland since 1978 when they where called Williams & Glnny and have always paid any bank charges without question but my latest bank charges are over £777.00
First we accidentally went over the agreed overdraft which caused a few direct debits to bounce and it seems to be a viscous circle because of this high amount taken in charges trying to get back within the overdraft to avoid more charges.
We questioned this from the bank but they declined to give a refund stating the charges are correct
Hi all as bad as each other I think but you might want to set up a new account anyway as the banks seem to be closing accounts down when people are claiming back unlawful charges.
Stacy
NatWest - Settled in full 22/05/06
RBS- Prelim sent 9/05/06 £1,147
£500 offer 27/05/06, rejected 30/05/06
LBA sent 25/05/06
MCOL 15/06/06
Defence received 20/07/06
Settled in full 01/09/06 wahey!!!!!!!!!
You will need to go into "bank templates library" & send the "data protection act, Subject access request" with your £10. It might help to familiarise yourself with the letter templates and the information in the FAQ section before you get going.
Have sent a letter to the bank asking for the charges of £1400.00 since last December are refunded to our account, the next day they phoned me and said we are looking into this and said they would call back next Thursday with the answer
If and I say if they did offer to refund the charges of £1400.00 could I then do a claim for the rest of the 6 years or should I turn that payment down and go for the lot
But I wouldnt sign anything limiting my future ability to claim
Then I'd go for the rest
dave
** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **
see you stand like greyhounds in the slips,
Straining upon the start. The game's afoot:
Follow your spirit; and, upon this charge
Cry 'God for Harry! England and Saint George!'
If you think I have helped, informed, or amused you do the clickey scaley thing !!
Five threads merged - please do not start a new thread for each question!
There is a DPA request template in the library section - use this. It requests a list of charges so they can only charge you the maximum £10 rather than charging you for each statement.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
On the SAR template its asks for a complete list or charges (I have been at this bank over 25 years) they wont send it for all the 25 plus years at the bank will they (hope not) or do I have to state that I want the last 6 years or do they just do that anyway
You may as well ask for the whole lot and they'll provide whatever they have, although they may not hold the information going back 25 years.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
On the S.A.R - (Subject access request) template its asks for a complete list or charges (I have been at this bank over 25 years) they wont send it for all the 25 plus years at the bank will they (hope not) or do I have to state that I want the last 6 years or do they just do that anyway
Ask for it all. You may want to claim back further than the 5 or 6 years at a later date. There is no reason to pay 10 pound twice!
Royal Bank Of Scotland Charges
since 1978 when they where called Williams & Glnny and have always paid any bank charges without question but my latest bank charges are over £777.00
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Originally Posted by Tinkerbelle
If you think I have helped, informed, or amused you do the clickey scaley thing !! 
Re: Royal Bank Of Scotland Charges
