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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London
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  1. 8th August 2008 09:22 #1
    shytalk123 shytalk123 is offline
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    Default RBS OUTRAGEOUS charges from my benefit.

    Hi folks. I was laid off in April (another victim of the construction crunch). I had to swallow my pride and make a claim for Jobseekers allowance. I was having my Housing Benefit paid into my RBSicon account but because SkyTV insisted on incorrectly doubling my subscription fee, I ended up having some charges applied to my account at £38 a time...£38, no wonder every working man/woman in this country is skint. The charges got so bad that I can't even use the account anymore and Sky can really f*** off as well as I've had no end of hassle just trying to get them to take the correct monthly payment. But anyway that's a thread for another forum. The story so far is that I've sent a letter template that I found posted by a forum member called TopcatDC where I've asked all charges to be refunded within 7 day as the Social Security states that not one charge can be taken from money a person needs to live on. 7 days have now passed and I've heard nothing. Does anyone have any advice on the best course of action to take next?

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  2. 8th August 2008 23:34 #2
    steven4064 steven4064 is offline
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    Default Re: RBS OUTRAGEOUS charges from my benefit.

    Hi shytalk

    Please read this thread - http://www.consumeractiongroup.co.uk...ation-act.html

    You are now probably in a cycle that will be difficult to get out of with RBSicon. You need to open a basic accouint elsewhere or with the PO and have your benefits paid there. Otherwise RBS will be taking £38 or more off you every week.

    Once you have the new account in place, start a claim against RBS for the repayment of the charges using the 'normal' method. The claim will get stayed once you get to the court phase but you will get the cahrges repaid once the OFT case is complete. If RBS take you to court, you will have a goodchance of getting their claim stayed too.

    Steven

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  3. 9th August 2008 00:19 #3
    havinastella havinastella is offline
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    Default Re: RBS OUTRAGEOUS charges from my benefit.

    As always great advice from Steven.

    In fact, you'll want them to take you to court, as this opens the way for you to get the stay lifted.

    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

    VIRGIN MEDIA : Request of charges, LBA sent

    LLoyds TSB : Refund of charges sent

    Littlewoods/NDR/Moorcroft : You have no idea
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE