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If it is quite recent, just go into the branch (if you can) and challenge it. I have done this a few times in the past and they can refund as a "goodwill gesture".
Personally I dont care whether it is a goodwill gesture or a sincere change of heart after breaking down with the burden of guilt......I just want my dosh back!
I am joining the RBS forum for the very large sum of...........£38.00!!!!
I have only had one charge on this account but if its my money then I want it back!!
My pre-lim is going off today so wish me luck!!! Do u think I will just get this back cos its so small??
Clark xx
i am sure they will pay up straight away if you phone them stating that you are a member of CAG. and you know there charges are an unlawful penalty. A good trick is if they refuse ask them to provide you with a complete Breakdown of their charges, i got a refund straight away.
I dont fancy going in the branch because its really small and everyone will hear me!!
It was on the 1st of June and it was because I couldnt get into the bank the day before to put £35 in for a d/d. I went in on the day but it was too late!
They could of paid the d/d for less than the charge!!
I might try calling up later on today, thanks for the advise both of you.
It is very much appreciated.
Will let you know hoe I get on
Clark xx
If you like the advice I give or I have helped you in any way, click the scales and let me know about it x
NatWest: £1148.00 (defence filed 3/10/06)
Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!
Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL
Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks
Barclaycard: £840.00 Half refunded mcol being done for the other half!
Capital One: £100 Settled in full after preliminary letter
I dont fancy going in the branch because its really small and everyone will hear me!!
It was on the 1st of June and it was because I couldnt get into the bank the day before to put £35 in for a d/d. I went in on the day but it was too late!
They could of paid the d/d for less than the charge!!
I might try calling up later on today, thanks for the advise both of you.
It is very much appreciated.
Will let you know hoe I get on
Clark xx
hi i would use the fact that people will hear you to your advantage! Tell them their charges are unlawful under and quote the regs.... see what happens then.
I just think ill get all tongue tied and sound like an idiot!
Its so much easier doing the letter thing, saying that it does seem long winded for £38.00.
I'll ring, im too scared to go in!
Clark xx
ok just have the relevant info in front of you. dont be scared also a tactic i tried which worked was, if they refuse to give you the cash back tell them you require a full Breakdown of how they arrive at their figure for charges. try that.
Ok....Got the guts up to phone my branch and spoke to a rather nice chap! Anyway he said there was nothing he could do and would have to get a manager to call me back
We wait.......
Clark xx
If you like the advice I give or I have helped you in any way, click the scales and let me know about it x
NatWest: £1148.00 (defence filed 3/10/06)
Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!
Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL
Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks
Barclaycard: £840.00 Half refunded mcol being done for the other half!
Capital One: £100 Settled in full after preliminary letter
Call from bank, as it is my only charge on the account I can have it back as a 'gesture of goodwill' but please note that it is in the terms and conditions and I must adhere to them!!'
Not bothered....five minutes, MY 38 quid back in MY pocket YIPPEEEE!!
Clark xx
If you like the advice I give or I have helped you in any way, click the scales and let me know about it x
NatWest: £1148.00 (defence filed 3/10/06)
Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!
Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL
Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks
Barclaycard: £840.00 Half refunded mcol being done for the other half!
Capital One: £100 Settled in full after preliminary letter
i know its only a small amount, but its definitely the principle that counts here.
Maybe you wont feel as apprehensive the next time you have to speak to them.
1/9/06 RBS claim #1
8/11/06 - claim settled
17/11 claim #2 started - incl creditcard
30/11 - CC statements received
31/11 - Prelims issued - RBS paying up, only M/C to go)
If any of my advice/ info has been helpful, please click the scales
Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional
Clark v RBS
forum for the very large sum of...........£38.00!!!!
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Re: Clark v RBS
Originally Posted by Clarky
