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.
Fortunately for me, I have kept every single bank statement for my RBS account since I opened it in 2003. So when it came to investigating my charges I didn't have to look further than my file.
I then sent RBS a letter with my claim and they replied saying that they would need to order the statements to investigate further. I have just seen today that they have charged me £5 for historic statements. Is this allowed? I did not order those statements and it's not my problem that they don't have records of my statements to hand...so why should I have to pay for it?
...and write a snotty letter telling them that they can't 'sell' you something you haven't requested.
Tell them that by taking money from your account in this way is tantamount to theft, and while you have come to not expect anything less from them, that unless the amount is put straight back into the account you will report them for theft.
It's time to get tough back with these overbearing bullies.
They are, after all, just a bank.
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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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It sounds like the staff or managers just being lazy or not knowing the rules.
Branches can only see the last years worth of transactions on screen, any further back we have to order historic statements which can take up to 2 weeks to be produced and sent out. This should be logged on our concerns (complaints!) system and sent to the relevant department to investigate.
RBS charge for their statements
account since I opened it in 2003. So when it came to investigating my charges I didn't have to look further than my file.
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