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.
** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **
see you stand like greyhounds in the slips,
Straining upon the start. The game's afoot:
Follow your spirit; and, upon this charge
Cry 'God for Harry! England and Saint George!'
If you think I have helped, informed, or amused you do the clickey scaley thing !!
I had similar problem, RBS new I was suffering so they kindly offered me a massive loan at a crazy interest rate, and basically told me I had to have it.......
I still struggle to pay it now, 2 years on !!!!!!
As for your question..........Don't have a clue, but get those charges back fella.
Tomba90
First they ignore you, then they laugh at you, then they fight you, then you win. - Mahatma Gandhi
RBS - Claim Started 28-July-06 - Defence recieved 02-Aug-06 - Allocation questionaire sent 04-Aug-06 - Allocation/case management Hearing 20-Oct 06, 12.30pm - £5868.66 "SETTLED IN FULL"
B&Q costs incurred for late delivery - £350 refunded 15/12/06 as interim payment, further £150 to get.
2nd RBS account - £1813 and rising. 1st letter sent 08.12.06
They kinda did the same thing to me, when I finished uni I had a 2 grand overdraft, obviously it takes a while to get on your feet after Uni, but they only give you a student account for a year after you graduate ... so when I was unable to pay back the overdraft they said I had to take out a loan to pay it off. Managed to pay it off now, but it took a while.
The same thing happend to me.......I went in to see the RBOS last year regarding the charges I had incurred which had left me with no money to live on...(they had took a total of £1000 in a 3 month period), through offering me hankies for my tears...they told me that they were looking for my overdraft to be paid back in full (£1200) and i could take out a loan to pay it....I told them I was practically on my knees and I was only in there to discuss the charges issue, they said I either took out the loan or they would take the money out of my salary that month......nice choice eh?...I was distraught by the time I had left the bank, they hounded me for days telling me that the offer was only there for a few more days....I had no choice, I signed the contract and took out the loan with every penny going to the bank...they refunded £250 out of the original £1000 when I wrote to head office...does that make me ineligable to claim the rest of my money back?....I haven't added up the rest of the years yet...but I'm sure it will add up to a few thousand pounds...I still get angry when I think of that day in their office....I am a lone parent with a mortgage and they had me by the *****. I still have 2 years left to pay on the loan!!! I received every bank statement for the last 5 years. and at a glance I have incurred a charge almost every month.
I would still go for it, Don't try and get the £250 again though, better to be safe than sorry.
I think unless you signed anything when they gave you the £250 refund, you can and should still go for a full refund.
Good luck, let us know what you decide to do.
01/08/06- Royal Bank of Scotland - S.A.R sent 24/08/06- Royal Bank of Scotland - Statements Received 31/08/06- Royal Bank of Scotland - 1st Request sent 13/09/06- Royal Bank of Scotland - LBA sent 23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks) 02/10/06- Royal Bank of Scotland - *WON* Full settlement
07/07/09- First Plus PPI - S.A.R sent 18/07/09- First Plus PPI - S.A.R received
22/07/09- First Plus PPI - Initial request sent
I would still go for it, Don't try and get the £250 again though, better to be safe than sorry.
I think unless you signed anything when they gave you the £250 refund, you can and should still go for a full refund.
Good luck, let us know what you decide to do.
Cheers for that, I will. One last thing, I have bank statements instead of a charge sheet thingy......can I put all my bank charges, dates etc on to a spreadsheet and send that with my first letter??? I really doin't want to call them again and have to wait...
Yeah, I think that's fine, as long as you have the statements to back up what your claiming for.
Stick all the charges, dates, descriptions in a spreadsheet and fire it off to them.
(Don't take for word for any of this though, Im only new here too, im just saying what I think I've picked up from other posts / the faqs etc)
01/08/06- Royal Bank of Scotland - S.A.R sent 24/08/06- Royal Bank of Scotland - Statements Received 31/08/06- Royal Bank of Scotland - 1st Request sent 13/09/06- Royal Bank of Scotland - LBA sent 23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks) 02/10/06- Royal Bank of Scotland - *WON* Full settlement
07/07/09- First Plus PPI - S.A.R sent 18/07/09- First Plus PPI - S.A.R received
22/07/09- First Plus PPI - Initial request sent
Sorry about that, I saw a question and just answered what i thought, never even thought to check.
mtonerscott, you should probably start a new thread about this, as were encroaching on davefirewalker's original question, everything will get really confused and muddled if there's people hijacking posts everywhere, and it makes it harder for people to help each other / follow what's going on.
Sorry mods, my bad.
01/08/06- Royal Bank of Scotland - S.A.R sent 24/08/06- Royal Bank of Scotland - Statements Received 31/08/06- Royal Bank of Scotland - 1st Request sent 13/09/06- Royal Bank of Scotland - LBA sent 23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks) 02/10/06- Royal Bank of Scotland - *WON* Full settlement
07/07/09- First Plus PPI - S.A.R sent 18/07/09- First Plus PPI - S.A.R received
22/07/09- First Plus PPI - Initial request sent
RBoS loan
they basically threw the money at me.
If you think I have helped, informed, or amused you do the clickey scaley thing !! 
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Originally Posted by mtonerscott
