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.
Hi All, ive been reading over this site since it was highlighted on tv, and been reading the threads with interest and im now going to bite the bullet and take action as i have been so annoyed with rbos for years about charges they have taken from me. It got to a point last year when i changed jobs and asked for the date to be changed on my loan with them and was told it would take 6 weeks???????? and they never changed the date, took them about 4 months, so it resulted in me being charged every month for being overdrawn then for dd's bouncing, resulting in some months just barely paying my bills and then having no money to survive and did they care, not a trot.
Got to the stage at xmas i had to go to money advice as i couldnt pay my way, now i will have defaults over the place as they are working out a plan for me to pay this all back.
Anyway im just about to send my dpa off and i know this is a common question but just need the reasurance that im going this right, (read the faq), but should i send my letter and £10 to their headquarters in St Andrew Sq, Edinburgh recorded delivery or hand into my local branch? And also i had/have a cc with them and a loan and overdraft that i have not paid anything into since Jan 06 (opened new account with clydesdale), can i send the letter for all 3 accounts or does it need to be individual?
I called my local branch of the RBOS, and asked for my statements from Jan 01 - 2001, they deducted £5 from my account and I had them 3 days later.
I am with the Edinburgh South Gyle and Corstorphine branch, and i have to admit I am sad I need to reclaim my charges (£2,705) since the staff have always been good.
Please remember that the bank is at fault and the peeps in the branches often do refund charges on request.
Hi June and welcome! you only have to send one letter and one £10 fee for all three accounts, just make sure you have all the account numbers on ok? if its easier for you hand it in to local branch and ask for a receipt for the letter, they will pass it on to relevant department! good luck!
I QUESTION THEREFORE I AM!!
Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!
Thanks for the speedy response, its apprecitated, I will hand it into my local branch on Monday with the £10 p/o as dont have access to chq or a cc.
Is it from Monday that i will count the 40 days for them to comply and thats including the weekends and bank holidays?
I am so glad of this site as i was willing to just sit back and take what they dished out to me and its ended me up in so much debt as i couldnt pay anyone money i owed them and rbos really didnt want to know.
Thats the dpa sent off to rbos, sent it to edinburgh as i dont really want my branch knowing anything as im outside the branch daily working and dont want anyone in there at the moment knowing my business.
Did get a letter from them today saying they were willing to accept an interm payment for my accounts through the debt councillor, but only in the short term, they have a cheek, had it not been for all their charges i wouldnt be in this mess today, and to add insult they have added a default to my account.
Hi just a quick question, i know this has been covered but cant find it, i sent my Data Protection Act letter away on 27th June with the £10 postal order, i sent it recorded delivery but when i go online its not saying the letter has been delivered. should i resent or call them?
Hi regarding my last post ive still not heard anything from the bank and im starting to get worried, can anyone advise me what to do as its getting over half way there to the 40 days and ive still not heard a thing from them.
I sent my dpa away to RBS 56 South Gyle Cres Edinburgh EH12 9LE and it was never delivered, can anyone advise me of the correct address and do i now still need to start from scratch again with my 40 days?
June v rbos
that i have not paid anything into since Jan 06 (opened new account with clydesdale), can i send the letter for all 3 accounts or does it need to be individual?
Reply With Quote
Re: June v rbos
Re: Correct Address Help Plz
