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

reg. office:
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  1. 20th June 2006 13:52 #1
    Pimp Cat Pimp Cat is offline
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    Default Thinking of takeing on rbs but need some Q's answered first.

    As above, I need to Q answered before i go any further.

    I had a RBSicon Advanta credit card which i want to reclaim the charges from.

    Q1. What charges can i apply to get back and can a default be removed as it was mainly the charges that caused it.

    Q2. The only credit card i can find from RBS is the MINT card. i take it they have just changed the name so can i send my DPA letter to the person in charge of mint??

    Q3. As i live in England and RBS is obviously scotish which court will i need to take them to??

    Thanks in advance.

    Pc.

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  2. 21st June 2006 13:20 #2
    Pimp Cat Pimp Cat is offline
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    Default Re: Thinking of takeing on rbs but need some Q's answered first.

    31 views and no replys!

    someone must know the answers to these questions.

    Please help.

    Pc.

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  3. 21st June 2006 13:32 #3
    redmanfamily
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    Default Re: Thinking of takeing on rbs but need some Q's answered first.

    I think you need to do some reading.
    Almost every question you can think of is answered in the FAQ and Libraries section.

    Stew.

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  4. 21st June 2006 15:04 #4
    Pimp Cat Pimp Cat is offline
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    Default Re: Thinking of takeing on rbs but need some Q's answered first.

    I have read every part of the faqs a few times before i started my actions against Lloydsicon bank, But nowhere in there does it ask or answer the questions above, other than the second half of the first question.

    Meh! well if no one knows i'll just try it and see what happens! how wrong can it go!

    Pc.

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  5. 21st June 2006 15:30 #5
    woolfie woolfie is offline
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    Red face Re: Thinking of takeing on rbs but need some Q's answered first.

    Hi there,

    Q1. What charges can i apply to get back and can a default be removed as it was mainly the charges that caused it.

    You can apply for your late payment, over limit and charges for bounced direct debits, for example if you were paying your monthly payment to your card by direct debiticon and they returned one due to insufficient funds and your cc charged you.

    Q2. The only credit card i can find from RBSicon is the MINT card. i take it they have just changed the name so can i send my Data Protection Act letter to the person in charge of mint??

    Not too sure about this but I would be inclined to give RBS a phone and ask.


    Q3. As i live in England and RBS is obviously scotish which court will i need to take them to??

    I think you can take them to a local Countly Court but if you phone your local court they will advise.

    How wrong can you get it? well one chap on here served court papers on themself!!!

    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.




    Barclaycard 1- £520 claimed – settled
    Barclaycard 2- £435 claimed - sett;ed
    RBOS 1 £190 claimed - settled
    RBOS 2 £6500 claimed initial letter sent 26/6/6
    EGG £300 claimed – LBA sent 22nd June
    Capital 1 £200 claimed – settled
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  6. 21st June 2006 16:03 #6
    BigCol BigCol is offline
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    Default Re: Thinking of takeing on rbs but need some Q's answered first.

    Is the RBSicon Credit Card business not run from Southend-on-Sea? Does that not count as the 'Branch' in this case? cf MBNAicon operating out of Chester? If that's so then rock on with MoneyClaim......

    Big Col
    RBS LBA 20/06/06. WON - 21/10/06
    MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!
    MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!
    BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06
    Green On!
    If the post/advice helps, pse click on the scales!!
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  7. 21st June 2006 16:31 #7
    Pimp Cat Pimp Cat is offline
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    Default Re: Thinking of takeing on rbs but need some Q's answered first.

    Cheers guys.

    If i can claim for that then rock on! cos thats what most of the balance was made up of!

    gonna have to try and dig out a statemment and get an address and telephone number hopefully i didn't shread them all!

    Lol at the guy who served him self!! just goes to show the only stupid question is the one you didn't ask!

    Thanks alot guys, gonna have some work to do over the next few weeks i think.

    cheers again.

    Pc.

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