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.
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Hi - just about to jump into this shark tank and send off my first letter - I have a friend who recommended joining this group so I have. I'm nervous of doing this as I'm unsure what repercussions the bank can inflict. I have an existing personal loan with them, can they demand that I pay this in full once they are aware of my claim submission?
I have finally decided to go for this after having been charged £166 pounds this month for being overdrawn and having a direct debit refused. Enough is enough!
Someone PLEASE tell me I'm doing the right thing
Thanks and hello x
Welcome, unless you fall behind with your loan payments RBS will find it near impossible to call in their loan, with regard to your charges, the sooner you start your claim to get them back the better, there are a lot of folk here who will guide you every step of the way, ones who are much more experienced in claiming charges back than me and you will get all the help you need.
Hi - I'm posting my SAR Friday 30th, can anyone tell me who I make the £10 cheque payable to please? Is it just Royal Bank of Scotland? I'm sending it recorded delivery to my branch.
Thanks x
If you send it to your branch that only slows the process they will have to log it in, then they will sit on for a few days all this delays getting your info, the RBS are very good at delaying tactics, I allways advise people to send it addressed directly to the Data Contoller at the head office in the RBS case the data controllers name is Joyce E. Tudor, write it direct for her attention.
Oh well, have lit the blue touch paper and am standing back waiting for the fireworks!! Have just got back from the post office from sending off my SAR and have my recorded delivery receipt tucked safely away. Don't think I have every been this nervous before! I'm one of those that won't take anything back to the shop if it doesn't work and now look - taking on one of the major institutions. Gulp!
OK - have checked online and RBS have received my SAR - do I give them 40 days from today before I do the next bit?
Sorry to be neurotic but, Oh pooh - I'm scared!
There is no need to be scared, everything you need is here. We all started where you are now. You be be amazed at how soon you will feel empowered by all you will know.
If they received your SAR today, then yes you have started your count down. They also seem to be sending them out a bit sooner. So hopefully you wont have to wait too long.
Have a read around the threads so you can see how others are getting on, and you will be able to see what comes next.
But as you know, any worries you have, just ask. Thee is always some one around to help.
Good luck
Trust me, when i first started i was worried sick. I was scared that i would mess it up, i was also wary of asking what i thought were daft questions. But soon realised there is no such thing as a daft question. So always ask.
As for the 40 days, its 40 calendar days, no breaks.
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have 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.
Advice & opinions given by citizenb 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.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Hi again,
Remember n worrying will not make a problem any better OR any worse so don't you worry just let it all take its course, go with the flow you will get help when you need it.
keep smiling.
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have 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.
Advice & opinions given by citizenb 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.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Well - statements arrived and it's all totting up very nicely - can anyone answer a query for me please - I know I can't claim back the £12 service charges each month that I pay for the Royalties Gold but some months I have been charged £30 or £40 instead of the £12 when I have been overdrawn. Can I claim back any amounts over and above the £12 service charge?
Many thanks
Jooles
Jooles, What is the £12 service charge for?? (edited, have googled it and assume its a service you have asked for)
The Service Charge should be shown as separate to other charges, but it's probably not.
If you have agreed to the £12 a month for this RG account (I can't think that anyone would :P) then yes, anything more than that taken from your account each month should be claimed back!
Jogs
Blackhorse Finance : Isssued court papers for £3400 and return of car, settled for £1000
Lloyds TSB : SAR request taken all the way to Court, Damages awarded.
Lloyds TSB PPI : FOS found in my favour, awaiting settlement figure.
Capital ONE : Issued Court papers, refund of £635.38
Barclaycard : Refund of charges £456.16
Thanks havinastella - the £12 is a fee you agree to when you take out a Royalties Gold account - not sure what the service is though! - I have been doing some checking on some of the other threads and it would appear that I can, as you say, claim back the amounts above the £12 that they have charged me. So far I'm looking at over £2,000 woo hoo, but still can't believe they'll pay up. I'm filling in my spread sheet later today and printing off that prelim letter to send recorded delivery first thing Monday. Do I send that to the Edinburgh head office or my branch please?
Can't thank everyone enough for the quick answers and support.
Jooles x
About to plunge in and shaking!
refused. Enough is enough!
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We all started where you are now. You be be amazed at how soon you will feel empowered by all you will know. 
Originally Posted by goonerjooles
