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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    KeanesGuitarist Novitiate

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    Default KeanesGuitarist v RBoS

    Finally got round to calculating my bank charges (After a short spell of confusion - Thanks to Karnevil & Caro for their help)

    Prelim letter asking for MY £866.00 back has been drafted & printed along with the Summary of charges.

    ...here we go...

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  2. #2
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    Default Re: KeanesGuitarist v RBoS

    Hi and welcome, are you really keanes guitarist? fab band! good luck!

    I QUESTION THEREFORE I AM!!

    Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!


    I have been smoke-free for 4yrs

  3. #3
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    Default Re: KeanesGuitarist v RBoS

    They don't have a guitarist - I think that's the point ;-)

    [COLOR=olive][SIZE=1]If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
    Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
    Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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  4. #4
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    Default Re: KeanesGuitarist v RBoS

    Oh right!!! doh!! i only look at tom anyway lol

    I QUESTION THEREFORE I AM!!

    Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!


    I have been smoke-free for 4yrs

  5. #5
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    Default Re: KeanesGuitarist v RBoS

    Got it in 1 Adam. Not too crazy about the new album, think it's a grower.

    CillitBanger interesting choice of name. Gotta love that Barry Scott


  6. #6
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    Default Re: KeanesGuitarist v RBoS

    Nah i just love the product!!! I dont think they'll ever top the first album to be honest, i havent bought the 2nd yet!

    I QUESTION THEREFORE I AM!!

    Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!


    I have been smoke-free for 4yrs

  7. #7
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    Default Re: KeanesGuitarist v RBoS

    My bank will take any money they can get now...

    Before I received my bank statements I had a charge on my account of £5 which showed up as being a 'Historic Statement Fee' - I thought it was good of the bank only to take £5 for all those pages.
    Now, they've cashed the cheque which I sent with my Data Protection Request which was for £10 (The maximum fee)... They must be really hard up with all these people reclaiming bank charges lol

    Should I just write to them asking for it back? ... and charge them intrest lol


  8. #8
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    Default Re: KeanesGuitarist v RBoS

    Received my fob-off letter today. The usually drivel & one part that I found particullary intresting
    We have considered and responded to the Office of Fair Trading's statement of 5 April 2006. We do not accept the Office of Fair Trading's findings in relation to credit card fees. We are concerned that the Office of Fair Trading has publicly called into question the setting of charges applied to other products, including current accounts. The Office of Fair Trading has restricted its investigation to credit cards and made no attempt to consult with RBSicon or the industry in relation to other, entirely different products.

    Consequentley, 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.
    It was from Tommy McLean in Customer Relations

    Don't worry, I shall press on

    Keanesguitarist v The Royal Bank Of Scotland
    14th July 2006 - Data Protection Act Request sent
    11th August 2006 - Historic Statement Fee Taken from Account - £5
    29th August 2006 - 150 Pages of statements received (Apparently was available at the branch for me to collect long before then)
    11th September 2006 - Preliminary request for £866.00 sent.
    28th September 2006 - Fob off letter received.

    Sadly I'm not really Keanes Guitarist... I could be if they actually had one!?



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