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. 24th July 2006 13:10 #1
    kate80 kate80 is offline
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    Unhappy need some advice what to do please

    my husband has account with RBSicon which he doesnt really use.today we had a letter from them demanding the cheque book and the card back.it says in the letter owe them £336.44 and there will be £30 fee for that notice which will be added to his account.if we dont pay i 28 days more interset will be added and they will take us to court.i dont know what to do,i dont want to fight for any money back but i just want to close the account without paying the money.can i do that???what can i do.thank you

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  2. 24th July 2006 13:14 #2
    Bookworm Bookworm is offline
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    Default Re: need some advice what to do please

    Well, do you owe £336.44? If you do, pay it, and send them a letter stating that the fee is unlawful, and that you will not pay it, nor additional interesticon, and if they charge it to the account, you will then sue them for the return of it.

    If any part of that £336 is due to charges, that's a different story, and you should fght to get them back. Well, I certainly would anyway.

    Apologies to people who I was in the process of helping, I may be gone some time.
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  3. 24th July 2006 13:52 #3
    kate80 kate80 is offline
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    Default Re: need some advice what to do please

    the whole amount is charges.and im fed up paying for them cos in this last five years RBSicon took about £2000 in charges from us.

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  4. 24th July 2006 16:56 #4
    willowb
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    Default Re: need some advice what to do please

    Quote Originally Posted by kate80
    my husband has account with RBSicon which he doesnt really but i just want to close the account without paying the money.can i do that???what can i do.thank you
    Hi Kate,

    Without paying what? the £30 or the £336.44? If you don't pay it then they'll default you/your husband for sure. BUT as Bookworm said, if you go down the route of claiming unfair charges back, then they may actually owe you a lot more money? Why not just get the statements off them if you haven't got them and see just how much you could claim? Isn't it worth investigating?

    But if you don't want to do that and you're struggling to pay the debt off then seek help with the citizen's Advice Bureau, they'll help you.

    WXX

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  5. 24th July 2006 16:57 #5
    willowb
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    Default Re: need some advice what to do please

    Quote Originally Posted by kate80
    the whole amount is charges.and im fed up paying for them cos in this last five years RBSicon took about £2000 in charges from us.
    Well....I know what I'd do!

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  6. 24th July 2006 23:34 #6
    Giveitback Giveitback is offline
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    Default Re: need some advice what to do please

    write back stating the charges are unlawful. Also send a DPA letter, (see templates). and then follow the procedure.

    If they keep demanding, then tell them that the amount is in dispute. (I think that part's right - someone confirm) I *think* if it's in dispute then they can't get it. if they do try to take you to court, the tools are here to prove that you don't need to pay charges.

    good luck.. Dinna be feart.

    BoS:- D P A sent 09/06 Prelim. request 29/06 £1755 plus interest
    1st claim Filed 5/10/06 SETTLED 19/10 £747.80 plus £534.31 interest
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE