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.
First of all, I'd like to say hello to you all, I registered about a week ago but have just been too busy to post.
I've been a customer with the RBS for the last 10 years (my dad was a bank manager, so I didn't really have much say in who I went with!), and I've had a student account with them for the last 5 (while I've been studying in Newcastle) - I found a link to your website, and intrigued I dug out all my old statements and went through them - it turns out they've had £390 in charges in the time I've had the account (£180 in service charges and £210 in charges for exceeding my OD limit [invariably when I was buying food before my loan cheques came in], or "card misuse" charges).
So, I've sent off the preliminary letter (my dad doesn't really know what to make of the whole situation!) with an added paragraph about how I feel outraged that they could bring these charges onto a student account when the cost of gaining an education these days is so high (which I think is fair).
Its been a week now and I've heard nothing, but I'll let you know how I get on as things progress - if I'm being honest, I'm a little daunted at the thought of having to attend court, but I guess I'll cross that bridge when I come to it (I just hope it doesn't get that far!).
Don't worry about it. Just keep reading the FAQ's, step by step instructions, forums etc. I worried about going to court, but when I submitted my moneyclaim I finally took the plunge and looked at the legislation so I would fully understand what I was claiming.
It all became blindingly clear and I am ready for court if I need to go. Unfortunately it's not likely to happen, but as long as I get my money back, what the heck.
Bring it on!!!
By the way, does your dad still work for a bank? If so and he wants to look at the site he needs to contact Bankfodder for permission.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, 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.
No hes been retired for a good few years now, though he still keeps in touch with old colleauges from the branches he managed. He won't be looking at the site, so don't worry, I don't think hes particularly bothered as long as I don't land myself into any legal/financial complications as a result of this...
Right then, their two weeks is up and I've heard no response, so I'm going to send off the lba.
The only thing I'm worried about is the first letter was sent to the RBS Head Office Customer Relations address (the Freepost one thats listed on here/on RBS website) - should I have sent it to my local branch, or should it not make a difference?
If they have received it, I'm a bit dissapointed to have heard nothing to be honest, thats really shoddy customer services to simply ignore letters.
maybe a quick phone call to Customer Servs to check that they recieved it in the first place. If not then I would send a copy to your Branch (hand deliver or recorded delivery) with a covering letter expressing concern that you have had no satisfaction from your original letter and giving them 14 days to sort it out (a la last paras of the prelim letter). If they have recieved your letter ask if there will be a reply soon (get them to fax it to you), and get your lba letter ready as it will more than likely be the standard 50% fob-off letter if anything at all!!
Go get 'em!
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!!
Aha, the postie has just been, delivering a letter from Mr. Tommy McLean - seems to be the typical fob off letter, although it does have an added paragraph that says:
"I am dissapointed to note that you are contemplating legal action against the bank. Whilst I hope you will feel able to reconsider, should you decide to go ahead, please ensure that any Proceedings are served on our Registered Office address, which appears at the foot of this letter.
I suspect that this is unlikely to be the answer you might have hoped to receive but nonetheless thank you for taking the time and trouble to contact us."
Don't think I've seen that part before on any of the letters posted?
Anyway - I'm going to send off the lba later today, but I just thought I'd double check where? Back to the same freepost address, the address stated in the fob off letter (recorded delivery and addressed to Tommy McLean?), my branch or the Registered Address letter stated at the foot of the letter?
Are you in Scotland yourself TwoSheds. If not avoid sending to any address in Scotland as that will limit your claim to £750.00. If you have a branch in England send it there as the limit is £5,000. If they want to forward it to Scotland themselves, then that is ok as it will still be dealt with in England.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, 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.
No I'm back in Scotland for the summer, so theres no problem there, as you can see the amount I'm claiming is compartively small anyway (though I still feel its worth pursuing).
Anyway, now I have a line of contact with Mr. McLean, I'm going to address it directly to him - it may just end up in confusion if I started by sending letters to the customer services department and then switch to sending them to my local branch...
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, 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.
Two_Sheds v RBS
for the last 10 years (my dad was a bank manager, so I didn't really have much say in who I went with!), and I've had a student account with them for the last 5 (while I've been studying in Newcastle) - I found a link to your website, and intrigued I dug out all my old statements and went through them - it turns out they've had £390 in charges in the time I've had the account (£180 in service charges and £210 in charges for exceeding my OD limit [invariably when I was buying food before my loan cheques came in], or "card misuse" charges).
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