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.
Just started on my road to reclaiming charges. Request sent on 8th August, along with a cheque, (written by my wife as I don't have a cheque book).
Now here is where it gets strange! They paid the cheque from my wife into my account, (£10) then took £10 out of my account as a statement request.
They have since taken another £5 re. a Historic statement fee.
I phoned them up today regarding this as I had already had £10 taken out of my account. The girl said she had never heard of the £10 Status Request charge before, but said that she would speak to someone else about refundin the other £5.
Just waiting now. Also wondering if they haven't increased the charge for this "service" now.
Anyway,got my £5 refunded , and got the statements through the post as well. No accompanying letter or return address. My charges over the last 5 years (in Scotland) amount to £765. So spreadsheet was duly done and printed off and sent away the next day.
Am I right in saying that I should not be claiming the 8% interest on charges just yet?
Also, as it is just over the £750 barrier, should I go for a Summary Cause, as, with interest it comes to nearer £950?
Just had to re-do my spreadsheet as I didn't save it. I have found that I underestimated my previous spreadsheet by £18. I can only think that a £28 charge has been put down as £10 and sent away. Will this matter or should I ammend this on my second letter?:?
Good luck dave,
will be watching with interest.
susanne is right just amend for your second letter.If you get anymore in the mean time just keep note of them for your sm claim/summ cause.
mairi
Thanks for that.
Next problem will be that I will be on holiday when the second letter time limit runs out. I suppose that will give them a few extra days to think about it.
BTW, are people just giving 14 days straight, or 14 working days?
Dave,
only ever count calender days! They are after all a rather large company and not just two bank tellers and the cat struggling along with these tasks. You'll soon find out that they take ever day that they can to reply to your requests. They will push any deadline to the eleventh hour, because they can, in an effort to ut you off the scent. Don't worry about the fact that you're on holiday, prep the letter before you go, update your spread sheet when you get back and ping it away with glee, a nice end to your time off. Just think, the money you will get back will reimburse some/all of your holiday expenditure!!
Have a good one!!
BC
Big Col
RBS LBA 20/06/06. WON - 21/10/06
MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!
MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!
BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06
Green On!
If the post/advice helps, pse click on the scales!!
OK, given them plenty of time now. No response. (16th day since sent letter). Now it is time for the second letter.
Dave
Data Protection Request sent 08/08/06: 1st Letter of Approach sent 31/08/06 claiming £783
LBA sent 15/09/06 their letter crossed in the post.
Lost letter (despite it being recorded delivery)
Phone call made Tuesday 10/10/06: Fax sent (copy LBA) 11/10/06
Offer arrived 14/10/06 £480 (No way)
Big Col
RBS LBA 20/06/06. WON - 21/10/06
MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!
MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!
BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06
Green On!
If the post/advice helps, pse click on the scales!!
OK, their letter must have crossed in the post as I received one today.
It contained the usual bumf about "We believe charge to be fair, reasonable and transparent"...blah blah blah.
BUT, there is a paragraph at the bottom which I had not heard before.
"We have considered and responded to the Office of Fair Trading's statement of5 April 2006. We do not accept the OFT's findings in relation to credit card fees." (Hello, I never metioned my credit card, just my bank account) "We are concerned that the OFT has publicly called into question the setting of charges applied to other products, including current accounts. The OFT has restricted its investigation to credit cards and made no attempt to consult with RBS or the industry in relation to other, entirely different products.
Consequently, against that background, we must differ with the views expressed in your letter and will not be refunding any of the charges applied to your bank account.
Again, thank you for taking the time and trouble to write."
Is this just a new tactic to put you off or do they have some merit in what they say. I am only claiming charges on my current account, not any credit cards.
Dave
Data Protection Request sent 08/08/06: 1st Letter of Approach sent 31/08/06 claiming £783
LBA sent 15/09/06 their letter crossed in the post.
Lost letter (despite it being recorded delivery)
Phone call made Tuesday 10/10/06: Fax sent (copy LBA) 11/10/06
Offer arrived 14/10/06 £480 (No way)
Ive had one of these... just a standard fob off letter
don't worry about it
stick to your timescale and go for it
Dave
** 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 !!
Thanks Dave, that's what I thought. I'm taking it all the way. I won't be put off easily.
Dave
Data Protection Request sent 08/08/06: 1st Letter of Approach sent 31/08/06 claiming £783
LBA sent 15/09/06 their letter crossed in the post.
Lost letter (despite it being recorded delivery)
Phone call made Tuesday 10/10/06: Fax sent (copy LBA) 11/10/06
Offer arrived 14/10/06 £480 (No way)
hi dave. i got one as well from the famous tommy mclean but i have been asured by other members its just a fob off. GO AND GET YOUR MONEY BACK looks like we are on the same time scale so lets see who gets paid out first lol.
rbos prem letter sent 25th aug 06
give me 10 more days letter received 2nd sept 06
lba sent 7th sept 06
settled in full 7/10/2006
Sent my lba recorded delivery and logged on to royal mail this morning. It only arrived this morning, but that should give them plenty of time to reply as it took them 16 days to reply to my first one, (delivered 17 days after it was sent).
Hopefully my next letter should be lying on my doorstep when I get home from my holiday.
Keeping track of how you are doing Suzanne as you are about a week ahead of me.
Data Protection Request sent 08/08/06: 1st Letter of Approach sent 31/08/06 claiming £783
LBA sent 15/09/06 their letter crossed in the post.
Lost letter (despite it being recorded delivery)
Phone call made Tuesday 10/10/06: Fax sent (copy LBA) 11/10/06
Offer arrived 14/10/06 £480 (No way)
Well, got back from holiday to nothing, (although I think the 16 year old daughter may have thrown stuff away). Anyway, not organised at all and need to get on to the next stage.
Dave
Data Protection Request sent 08/08/06: 1st Letter of Approach sent 31/08/06 claiming £783
LBA sent 15/09/06 their letter crossed in the post.
Lost letter (despite it being recorded delivery)
Phone call made Tuesday 10/10/06: Fax sent (copy LBA) 11/10/06
Offer arrived 14/10/06 £480 (No way)
OK, may have made an arse of it. Looked at the original fob off letter and thought, "I really should have had a letter from them". Also thought, maybe I should phone and check that they received it. Although I sent it recorded delivery and it arrived on the morning of 19th September, they stated, that it hadn't been logged and they didn't have it in their department.
So I have to send it back by fax tomorrow and I will get a quick reply, hopefully.
Got to say though that Tommy did sound very nice, was very helpful and honest and said that they seem to be getting more organised regarding this. I think they know that it is a game, but are playing it and trying to put people off.
dave
Data Protection Request sent 08/08/06: 1st Letter of Approach sent 31/08/06 claiming £783
LBA sent 15/09/06 their letter crossed in the post.
Lost letter (despite it being recorded delivery)
Phone call made Tuesday 10/10/06: Fax sent (copy LBA) 11/10/06
Offer arrived 14/10/06 £480 (No way)
hi dave hope you had a nice holiday, have you had chance to read my thread yet? my advise is email a letter to tommy(copy and paste mine if you want) and attatch copy of lba. tell him hes had enough time but you are prepared to give him a couple more days. dont give him any longer than that before you ring him see what response you get............ if you need his direct line or email let me know good luck and lets hope it works quickly for you
rbos prem letter sent 25th aug 06
give me 10 more days letter received 2nd sept 06
lba sent 7th sept 06
settled in full 7/10/2006
Dave318 v RBS (newbie)
Reply With Quote
, and got the statements through the post as well. No accompanying letter or return address. My charges over the last 5 years (in Scotland) amount to £765. So spreadsheet was duly done and printed off and sent away the next day.
If you think I have helped, informed, or amused you do the clickey scaley thing !! 