Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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  1. 14th June 2006 19:43 #1
    nikkibrown nikkibrown is offline
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    Unhappy Help!! Having a blonde moment!

    I have just added up all my charges with RBSicon going back to 2001 when i opened the account, and it comes to a total of 9,985.00! Am i doing it wrong? can i ask for all applied charges for d/d and bounced cheques and the related adminicon charges for them?I want to send them a first letter with this amount but am confused. Can anyone offer any advice (or reassurance)?

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  2. 14th June 2006 19:52 #2
    woolfie woolfie is offline
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    Default Re: Help!! Having a blonde moment!

    Hi there and welcome to the forum. Can I suggest you take a couple of days to read all the Frequently Asked Questions and to have a look round the Scottish section. There is a lot of really good information in there.

    Obviously it is impossible to say if you have totalled your charges etc. up correctly but as mine came in at about £8.5k then your figure is quite possible. You can claim any charges for bounced direct debits/standing orders and bounced cheques and any related charges too.

    Good luck

    Woolfie

    If you are happy with the advice i have given please click the scales of justice above and give me a vote!! Thanks.

    Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.




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  3. 14th June 2006 19:56 #3
    bram stoker bram stoker is offline
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    Default Re: Help!! Having a blonde moment!

    My brother had trouble with his calculations. He was including cheques etc that had been bounced, along with the charges for bouncing them. Make sure you don't include the items themselves, just the bank charges relating to those items.

    Also include charges applied for being overdrawn etc. Do not include charges that were agreed to, such as a monthly account fee that carries privilages.

    The interesticon element that you can claim is a little more complicated. Get the list of charges correct first. If you can use Excel, download my spreadsheet from the library. You can enter your charges in here as a complete list, and the total should be correct. You can then move onto the matter of interest afterwards in the same spreadsheet.

    Let me know how you go.
    Vamp.

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE