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:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Default Urgent help please - cancelling a s/o

    I have a standing order of £100 coming out of my RBSicon current account tomorrow but I only have £85 available in tha account. I have called RBS and they said they can ony cancel a Standing order 3 days prior to the payment date.
    Considering the payment is to my parents RBS account of the same branch, I refuse to believe that, in this day and age, 24 hours is not enough notice to cancel a computer transaction.

    Is there anything I can do or am I going to have to accept that I'll be charged £50(or whatever RBS get away with nowadays) for an unauthorised overdrafticon?

    Any help would be much appreciated.

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  2. #2
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    Default Re: Urgent help please - cancelling a s/o

    From the RBSicon website


    Standing Orders
    The cancellation notice has not changed as a result of the Faster Payments Service. To cancel Standing Orders you must give a minimum notice of three working days.
    For example, if a payment is due to leave your account on a Friday; the final opportunity to cancel the mandate is by close of business on the Tuesday (three working days notice).
    If you do not give sufficient notice to cancel a Standing Order it is your responsibility to request repayment from the beneficiary.

    23/02/07 Request for payment sent (hand delivered to my local branch)
    08/03/07 Standard Letter from Barlclays saying they are looking in to my complaint received
    13/03/07 Letter before action sent (hand delivered to my local branch)
    27/03/07 Partial offer of £1255 received
    29/03/07 MCOL submitted

  3. #3
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    Default Re: Urgent help please - cancelling a s/o

    Wierd! This is a first, for me anyway, my standing order was showing on my account as being paid yesterday and now today it has been revoked and a unpaid item charge for £38 has been taken out my account. I hope they dont try to charge me for the unauthorised overdrafticon that was used when the item was temporarily paid. I wouldn't put it past them.
    If the don't though, it might work out cheaper than if they did pay it as use of an unauthorised overdraft costs £30(for the transaction)+£28(for the monthly fee)=£58.


  4. #4
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    Default Re: Urgent help please - cancelling a s/o

    They won't.



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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE