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)


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Thread: RBOS/Virgin One

  1. 11th August 2007 10:54 #1
    Ripley Ripley is offline
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    Question RBOS/Virgin One

    I am about to submit an N1 to reclaim charges from a Virgin One account, administered by RBOS. A V1 account is like a combined mortgageicon and current account, and none of the charges is for an unauthorised over draft - they are all simply for unpaid items. Am I likely to get stayed, and how can I reduce the chance of this in advance?
    I plan to use MCOL, its worked for me before, but does anyone have any info on the courts used - Northampton, and then a transfer to Bow if it comes to it?

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  2. 15th March 2008 14:10 #2
    Penfold92 Penfold92 is offline
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    Default Re: RBOS/Virgin One

    Hi Ripley,

    Yes unfortunately it will be stayed as you said yourself unpaid charges which amount to the same as bank charges. You correctly said it is a joint current and mortgageicon, but in reality it is one HUGE overdrafticon....

    Usual claim proceedures should be applied and I assume you know those as you stated you have done this before so you should be ok with that.

    As for reducing the chance of being stayed...there is not one...

    Penfold

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    Due to recent issues I have had....

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