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Letter received from RBS on 10th July 2006 saying they will deal with my request within the time scale. I have been working nights and am finding it hard to keep this thread up to date. I need to really study the site thouroghly again because I'm still awaitng confirmation of reciept from other organisations as well, which, surprise, surprise! have not arrived!
The statements are in and I'm going through them. They've sent me 7 years worth. Should I claim for the extra year or are they trying to trick me into invalidating the claim by claiming beyond six years?
Got the reply yesterday. Basically, a thanks but, no, you're not getting your dough back letter. There was one point though.....they have said in the letter that the OFT's ruling of 5th April 2006 only applies to credit cards and not other products. Is this true? How does this affect the way I claim back my money? Also, what's the next step? Do I go to the court immediately or do I give them a go with another letter ? They have said that I should send all details of any proceedings to their registered address. What do I do?
iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted. Vanquis - Claim issued, no AoS or Defence received
Preliminary Letter......Why is the OFT thing a red herring? I thought that's what sparked the whole 'reclaim your bank charges' thing.Is the credit card charges only thing invalid? Should I send the 'letter before action' then...?
Where credit card default charges are set at more than £12, the OFT will presume that they are unfair, and is likely to challenge the charge unless there are limited, exceptional business factors in play. A default charge is not fair simply because it is below £12.
iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted. Vanquis - Claim issued, no AoS or Defence received
Personally I would not waste the time, they know the OFT are a paper tiger.
iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted. Vanquis - Claim issued, no AoS or Defence received
lba sent. Reply received today was "sorry, we do not care for your accusations. Direct all litigation to our head office." Has anybody had any result with Natwest yet ? Do I just do the court claim form now?
Well, Well, Well. Didn't believe it was possible, but I've had a result. Received a letter on 8/9/00 saying....
"As previously advised, these charges are applied to your account in line with the General terms and conditions to which you agreed when your initial application form. Having reviewed your case, I have refunded the charges amounting to £115.05 and this credit will show on your next statement."
There you have it. I am reimbursed. Thanks to all at CAG for their help and advice. Now I've just got to wait and see what happens with my Natwest claim.........
Lee v RBS Credit Card
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don't be like the banks - give a little back 
There was a time before CAG but now CAG is here we are the empowered! 
Re: Lee v RBS Credit Card
Re: Lee v RBS Credit Card
