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.
ok folks iv just joined, i was with RBS for around 5 years and after a year i was hit with numerous charges for being over drawn and having unpaid direct debits returned, so i sent my s.a.r.s letter away today so ill just have to wait for a reply now, but i was wondering if anyone else has noticed this with ther rbs account, e.g iv got a direct debit payment being made for lets just say £40 and iv only got £39.99 in my account, now the £39.99 get taken from my account but i get a letter in a few days later saying the dd payment has not been recived and a i get a charge from rbs for it, but the 39.99 is gone?? iv had this many times from rbs, anyone else had this?? let me know thanks
What I think it boils down to is these payments disappear from the man in the street's account in the blink of any eye sometimes early. They wander around in cyber space - earning money for your bank. I think its appalling that in this cyber age - we cannot transfer money when we hit "return". The banks can - when it suits THEM. I issued two cheques dated 7th January - they were paid on 28th December! I think RBS have been told by their head offices to [EDIT] take, take, take. It's not that they are protecting us from ourselves - getting into ever more debt - because all they're doing is slamming people into poverty in a sneaky way! [EDIT] I hate RBS too.
Yes, I'm afraid RBS are one of the worst banks I've ever been with - and thats from someone who used to bank with Intelligent Finance
They [EDIT] take from accounts without even blinking an eye. And get this, last summer I closed my account with them, and requested statements at the same time. There was £4 in my account at the time, they charged me £5 for the copy statements and told me the account was now closed. I assumed it was closed - I've had no statements or letters from them since then. Monday this week, I had a call from their collections team to say my account was £275 over drawn - when i asked why this could possibly be the case, they said it was because the account had gone £1 over limit and they had been charging £28 month as a result. I refused to pay, but they then said "thats fine - we'll just register a default in your credit record then". I had to pay up to avoid it happening.
I've just been charged a £35.22 "maintenence charge" for exceeding the overdraft limit. Letter in the post tommorow. Apparently, in spite of thehold on cases because of the test case, its good to get letters in to get priority if the OFT win.
They [EDIT] take from accounts without even blinking an eye. And get this, last summer I closed my account with them, and requested statements at the same time. There was £4 in my account at the time, they charged me £5 for the copy statements and told me the account was now closed. I assumed it was closed - I've had no statements or letters from them since then. Monday this week, I had a call from their collections team to say my account was £275 over drawn - when i asked why this could possibly be the case, they said it was because the account had gone £1 over limit and they had been charging £28 month as a result. I refused to pay, but they then said "thats fine - we'll just register a default in your credit record then". I had to pay up to avoid it happening.
You can prove they told you the account was closed? Because in this case the contract had ended. Request the money back on these grounds and sue if you don't get it. They really don't have a leg to stand on with this sort of behaviour.
Yes, I'm afraid RBS are one of the worst banks I've ever been with - and thats from someone who used to bank with Intelligent Finance
They [EDIT] take from accounts without even blinking an eye. And get this, last summer I closed my account with them, and requested statements at the same time. There was £4 in my account at the time, they charged me £5 for the copy statements and told me the account was now closed. I assumed it was closed - I've had no statements or letters from them since then. Monday this week, I had a call from their collections team to say my account was £275 over drawn - when i asked why this could possibly be the case, they said it was because the account had gone £1 over limit and they had been charging £28 month as a result. I refused to pay, but they then said "thats fine - we'll just register a default in your credit record then". I had to pay up to avoid it happening.
Bunch of wicked wicked people.
OMG! Did you get it back? I can honestly say I despise the RBOS.
Once, I made a deposit of £70 into my account via cash. Everything went fine and then they rang me later that day to ask me if I had taken the money with me? WTF? They said that they think they gave me the money back with the receipt.
Well for starters they put the money in the till before they bother with a receipt. They said they would look at the CCTV and ring me back. I said fine, do it [EDIT]. They later rang me back and didn't even apologize for accusing me of stealing. They just said that they looked at the footage and couldn't see what had happened. (Crap CCTV then...maybe they should point the camera in the right direction). So in this instance they had no choice but to leave the money in my account... I was dumbfounded, I couldn't believe it. But that was at the time when I was a little scared of banks. I know better now.
That's just another horror story for the RBoS are evil tab Anni!
Did I get them back?
Well - it's an ongoing case (which you can follow using the link in my first post) so am still going through the motions as it were. I was in the branch yesterday telling them to close my account and asked for something in writing to say it was done. This silly lass said "No, you can't have anything in writing"...
What!?!?!?
Apparently, even though I had to sign a printed piece of A4 asking them to close the account - they couldn't even give me a copy. When I gestured towards the photocopier behind her and said "Why can't you just copy it and give me one?" she said that all RBoS staff in branches are very restricted in what they can give to customers - A piece of paper from me (with my bloody signature on it!!) is apparently something they can't hand over - not even a copy of it.
So, I'm waiting for my 'closing statement' through the post. I already sent them a Prelim in June 2007 and an lba in August 2007 so once I get that statement i'll be getting my court claim in - including the £275 they took from me, my claim totals about £2600 though I'm none too hopeful that i'll ever see any of it!!
well i got a big envelope in today with every one of my statements from 2002, so iv been sitting here working out my charges since 2002 and it totals up to £1963.24 ,
Update.... RBS Telephone Banking Customer Service actually said that I should "fight them all the way - I should NEVER paid charges under these circumstances" and that "this conversation and what he just said is recorded if I needed to use it". I've taken the next step and packaged up all details and correspondence and sent it (with the downloaded cover sheets) to FSA.
well i got a reply from RBS today, im guessing its just a standard response letter, its all about how they believe there charges are fair transparent and lawful blah blah blah, oh well my lba will be posted to them tomorrow so hopefully they will refund them after they recive that,
ok got an other letter from RBS, im gathering this is just a common letter, its saying that they will resolve my complaint once the legal proceedings between the office of fair traiding and the banks anre determined,
im guessing my next step is court action?,
if it is then how do i start going about court action?
Did you progress this at all? I'm at the same stage as yourself, about to launch small claims proceedings - there's just so much to do I havent had the time to do it yet myself.
hi balsafas, iv not gone any further with my case as im still baffled, the problemm thats baffling me is the fact that my claim is for almost 2k and iv read that only up to 750pounds can be put through the small cliams proceedings in scotland, so im still really confused
The maximum claim through small claims process was increased in Jan this year - I think the new figure is £3000 (can someone confirm please?) - my claim is for £2800 and I'm going to take the small claims route so sure you can too..
well since i havent started legal proceddings yet and since there was the big case about bank charges in the media i thought i would try one last thing, i sent them another L.B.A, maybe it wasnt a good idea but then maybe its worth the chance, so im going to give them 10 days then ill start a small claims thing
new menber, rbs are evil!
for around 5 years and after a year i was hit with numerous charges for being over drawn and having unpaid direct debits returned, so i sent my s.a.r.s letter away today so ill just have to wait for a reply now, but i was wondering if anyone else has noticed this with ther rbs account, e.g iv got a direct debit
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Originally Posted by balsafas
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