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.
Hi All, I'm new to the forum, in fact, only signed up last night. I work abroad and often get caught out by RBoS when I either forget to pay in or money doesnt show up on time etc.
In the past two weeks over £500 in charges have been applied to my account, they tell me that it takes them 6 days to clear a cheque that I have paid in to the account, total bull sh_it. Not wanting to go into a ramble, today I sent them the request for 6 years statements along with a £10 PO. Will have to read up on the next step.
Will keep posting here and update on a regular basis, Cheers!
Best of luck with your claim.
I remember watching a programme on the TV that showed that cheques paid into any other European bank clear almost immediatley, however in the UK, they hold it to make more intrest on them. Just another way of ripping off the UK consumer.
Halifax Prelim letter sent 2/08 Fob off recv'd : 7/08, Settled 17/08, without LBA even being sent : £240 agreed, just £28 short of what we were claiming for!
BoS: All statments recieved, totalling £1,680 before intrest, 09/08 CCA Request sent to Hollis Briggs Solicitors, Prelim sent on 12/8. Hollis briggs never did reply to the S.A.R - (Subject Access Request). LBA has been sent, and action has begun in the small claims court! Return date 2/11, Prelim. hearing 9/11. Hollis Briggs have dropped the account, which is now back under BoS head office control! BoS ignored court claim, and din't reply at all. Spoke to rachel Hinchliffe, who said they did not recieve summons, now in her personal hands. 2/11 - Recieved noticed of debt collection on this account from Wescot, just more evidence of icompetency, and for court!
Andy: Thanks for your post. We have 3 accounts with RBoS current and two currency accounts for the business, you wouldnt beleive how long it takes to send USD or Euro to suppliers, I run a small biz more or less a one man band but, these guys kill me in any way they can. I have a bad credit rating so it is hard to change accounts, they even refused to open a limited company account for me. I now use Lloyds TSB and they appear to be more efficient, time will tell. I am learning so much from this site that, if I get back some charges then I will surely donate some of it here,
Hi All, 5 clear days after banking a cheque in my RBoS account, I went there today to cash a cheque, they refused to cash my cheque saying " We need 6 clear working days for the cheque you piad in to clear" Do you think is because they have received my request for 6 years statements? and how long will it be before they cut my internet banking? I'm inclined to hit them with a series of small claims such as the £500 odd for the last month and then hit them again for the rest later. The logic is: They will have to pay to instruct solicitors at a rate which would soak up more than the small claims. My other plan was to hit them hard straight away with an lba and not play around with nice letters of request etc..thanks in advance if anyone has a view please guide me, I am reading as much as poss here.
I think the general concencuss is to follow the instructions to the letter.
That's what's worked for everyone else in here, if you fire off an lba right away, then the judge could consider that you did not give the bank enough time to deal with your request internally, and could just throw out your case at his discretion.
If I were you, I would stick to your guns, go for whatever your going for in one go and don't stray from the guidelines.
01/08/06- Royal Bank of Scotland - S.A.R sent 24/08/06- Royal Bank of Scotland - Statements Received 31/08/06- Royal Bank of Scotland - 1st Request sent 13/09/06- Royal Bank of Scotland - LBA sent 23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks) 02/10/06- Royal Bank of Scotland - *WON* Full settlement
07/07/09- First Plus PPI - S.A.R sent 18/07/09- First Plus PPI - S.A.R received
22/07/09- First Plus PPI - Initial request sent
Hi, thanks! I'm just checking the on line digital statements, have found £743 since mid april this year so, perhaps I wont be so hasty, just feel wound up now hehe..
Hi All, it is 1 month now since I sent RBoS my request for statements along with a £10 PO, I have also sent them a reminder letter and so far no response whatsoever. Should I send copies to customer services. Thanks.
Hi All, it is 1 month now since I sent RBoS my request for statements along with a £10 PO, I have also sent them a reminder letter and so far no response whatsoever. Should I send copies to customer services. Thanks.
Hi please remember its 40 days for the dpa compliance. Have you checked to see if the PO has been cashed?
Here is the link for RBS contact details. Try phoning again.
Hi Lively, thanks for your response. When I went to the post office and bought the PO the Lady asked me "did i want it made out to anyone" I said yes RBS, guess she did it and put it in the special delivery envelope soo, all I have is the recorded delivery receipt. Yes, they have 40 days , didnt think they would need so long , not to worry and thanks again! They may come any day.
Hi All, I checked the delivery status of my statement request and it arrived and was signed for on 2/10/06 so, today I called the Branch and spoke to the Lady who is dealing, she was very pleasant and said " Yes, we have your rquest and I am dealing with it for you, I will call you when everything is ready to send out" Well, I thought OK that's reasonable. Hope they come soon.
Quick one for admin: Does this forum allow file uploads etc? or would it simply slow it down a lot! thanks.
Well here we are past 40 days waiting for the RBS to supply statements though, yesterday, I did receive 6 summary US Dollar account statements which, I had not asked for. I guess the party line will be "sorry we missunderstood your request or something" So, now I'm planning to email the head office as my branch give terrible service. Anyone any good ideas about this please? Thanks in advance.
and how long will it be before they cut my internet banking?
My account with RBS has been closed since August and i still to this day have full access to my internet banking, they left £21000 in my current account for more than a month, this money was to pay off a personal loan with them.
Hi, yes Nat West did that to me when they took us out of biz 8 years ago, they bounced cheques when we had money in the main branch which they didnt bother to look at. They cut our Internet Banking PDQ because it showed money in the account via TT and lots of their lovely charges all on the same day.
Hi All, I'm working through my old statements this evening, can anyone tell me if the referal charges are claimable or do they consitute manual intervention and should I leave these off the spread sheet please?
On the statements it simply says charge £20 and then later goes up to £25 the royalties charges are seperate and amount to £5 per month. I think these are referal charges and occur after they levied a returned cheque charge in the month.
Hi All, I'm working through my old statements this evening, can anyone tell me if the referal charges are claimable or do they consitute manual intervention and should I leave these off the spread sheet please?
Referral charges can be claimed, they are when a transaction is referred to a Manager etc.
Hey just let you know RBS are being pain in the arse with us as well,
we got the statement free off the, woohoo as a good will gester they
said. did the maths and they owed us 1200 aprox. Sent the first letter
17 days ago and heard nothing at all, 2 days ago we sent the lba letter
and upto now we still haven't heard a thing. The waiting game continues
Hi Mark, I'm sure they will react at some point, good luck and thanks for your post. I just wounder how long before the old school tie network plug this drain on their profits. I noticed on my statements they charged me £90 referal charge in one day hehe..
RBoS are way out of order
statements along with a £10 PO. Will have to read up on the next step.
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Originally Posted by nevos
