Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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)


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  1. #1
    Basic Account Holder sambuca Novitiate



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    Default Can you file directly under reg 6? And funding free banking when you pay for your account... ie Royalties??

    Hi all,

    I followed the process through intitially and then due to various reasons and lack of time i didnt get to filing with the court. So RBSicon kept my case on hold and have now wrote to me to say sorry mate but you lost.

    They have stated that if i dont respond withing 8 weeks then they consider the matter closed. I have a few weeks left and want to put a letter together to say i dont accept that it is closed as the matter is still ongoing.

    Because i didnt originally file under reg 6, does that mean i can go straight in with reg 5.

    Also.... is there any argument against the charges... which they have admitted fund Free Bankingicon, when you have a type of account that you are paying for. ie royalties gold account. Your charges ae being used to fund free banking yet you dont even use free banking.

    The banks always stated that the charges coved the adminicon fees. Now they admit that they make a profit and justify it by saying it keps banking free. So if for many years like myself you have paid for a gold account, then a royalties gold account you are not using the service that they say you have been paying for.

    So in my case... and many others we were made to accept the charges thinking that they were justified by costs. Now we are told effectively that they now are justified by the adminicon cost and to fund free banking. Yet i can show that i have been paying for my banking service for many years. In fact, the whole time i was accumalating the charges in my claim.

    Any thoughts or direction on this would be appreciated.


    Thanks


    Sambuca


  2. #2
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    Default Re: Can you file directly under reg 6? And funding free banking when you pay for your account... ie Royalties??

    Don't worry about their deadlines. They are meaningless unless you want to go to the fosicon.

    Presumably you haven't started a court case.

    Have you read the artilces on the front page of this website?

    Please do so.

    We can help you against RBSicon but we will need examples of T&Cs or correspondence which show that they have been telling theri customers that their charges are reasonable or that they refloect theri adminicon costs.

    What have you got?



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  3. #3
    Basic Account Holder sambuca Novitiate



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    Default Re: Can you file directly under reg 6? And funding free banking when you pay for your account... ie Royalties??

    I shall go and see what i can find now. Im pretty good at keeping everything so just a case of finding it. Give me a minute.


  4. #4
    Gold Account Holder patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative



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    Default Re: Can you file directly under reg 6? And funding free banking when you pay for your account... ie Royalties??

    hi book can you ask someone to look in on this thread ...thanks
    i must say the arguement put forward on here to FUND Free Bankingicon is a very good arguement and somethink ive overlooked,if sambuca would like to look at the new case being used by GOVAN LAW CENTRE then perhaps this along the basis of what has just been written may be the way forward
    patrickq1
    http://www.consumeractiongroup.co.uk...ml#post2803905

    [URL="http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html"][COLOR=#003399]http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html[/COLOR][/URL]




    [COLOR=#ff0000]Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional[/COLOR]
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  5. #5
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    Default Re: Can you file directly under reg 6? And funding free banking when you pay for your account... ie Royalties??

    Ok.... so not as fruitfull as i hoped.

    I just dug everything out... bearing in mind i havent thrown anything away i only have to letters from RBSicon. Two very standard letters.

    The first confirms receipt of of my compaint... which they only sent after i sent an lbaicon.

    The second was a letter thay sent when i didnt send in the forms to claim hardship.

    However.....

    I had various discussions via phone with RBS over this before i started following the method on here. One of their staff actually instructed me to do this. And all though im not certain he may have put his foot in it.

    SO maybe i should ask for tanscripts of telephone conversations. I belive if the lines are recorded then they legally have to retain these under the data protection act and are allowed to charge a max fee of 10 to supply them and must do so within 40days?????

    Any thoughts..... ive had numerous arguments with them on the phone about charges.

    Patrick.... i did read that but senisibly in my opinion GLC is keeping the suprise in the bag.

    Im just wandering if i have been told on the phone since i havent got it in writting that the charges were to cover costs of dealing with the crime. If so then they as has been said contradicted themselves.

    Sambuca


  6. #6
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    Default Re: Can you file directly under reg 6? And funding free banking when you pay for your account... ie Royalties??

    Bankfodder.... No i havent started a court case.

    Cheers for replies too


  7. #7
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    Default Re: Can you file directly under reg 6? And funding free banking when you pay for your account... ie Royalties??

    All those phone calls and you haven't recorded a single one.

    Ask for the transcripts by all means - but don't hold your breath. It won't cme to anything.
    You have been a CAGGER since 2006 and yet you still don't record your callsicon.

    Anyway, what you need is something which shows that adminicon costs etc are their official line. It really does need to be in writing.

    Please start a thread as I have asked and we'll have a look.



    Warning: I use dictation software. Beware of homophones!
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  8. #8
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    Default Re: Can you file directly under reg 6? And funding free banking when you pay for your account... ie Royalties??

    I know.... kicking myself. Been a member a long time but in no way spend enough time here.

    The thread i started for claim is here

    http://www.consumeractiongroup.co.uk...mbuca-rbs.html


  9. #9
    Gold Account Holder patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative



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    Default Re: Can you file directly under reg 6? And funding free banking when you pay for your account... ie Royalties??

    but don't hold your breath.
    the phone calls transcripts will never surface,i dont know anyone who has yet received a transcript for phone calls like book says you need to get the recorder on your end truecallicon i beleive....worth its weight in gold
    patrickq1

    [URL="http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html"][COLOR=#003399]http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html[/COLOR][/URL]




    [COLOR=#ff0000]Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional[/COLOR]
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  10. #10
    Gold Account Holder patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative patrickq1 Highly informative



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    Default Re: Can you file directly under reg 6? And funding free banking when you pay for your account... ie Royalties??

    dont forget my commision booky hehe

    [URL="http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html"][COLOR=#003399]http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html[/COLOR][/URL]




    [COLOR=#ff0000]Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional[/COLOR]
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  11. #11
    Basic Account Holder sambuca Novitiate



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    Default Re: Can you file directly under reg 6? And funding free banking when you pay for your account... ie Royalties??

    I dont know about banks but i have successfully got transcripts of phone callsicon from the AA before. They sent them through on CD



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