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.
Hello,
just a quick hello, I'm planning to claim back my charges from the RBS and then CC companies. A bit nervous, but I'm reading all I can on this site and am determined to get MY money back
Update time! I sent my SAR for two RBS accounts and got a nice letter back from Joyce E Tudor at RBS retail regulatory risk, first account no problem but the second account I closed 3 years ago and they can't provide statements without a sort code too. So I'll dig out the sort code and branch details and ask again, but I can't remember exactly when I closed it.
Anyhoo back to account one, I got the uber package of statements today and have highlighted all the relevant charges. At least I think I have... I know I can't claim for the service charge as it was a royalties account, but what's a referral charge...I'm assuming I can claim these back? Some months they've charged me a £60 referral charge and I have no clue what for?!
I've entered all the charges into the splendid Vampiress spreadsheet and will send off my prelim request for payment asap. It totals £608 which isn't as much as some successful claims I've seen here, so fingers crossed they'll roll over and accept the inevitable sooner rather than later
Ta daaaaaaaaaaaaaaaa
Just had a letter from a nice Mr Nicholas Lieberman at customer relations offering me full settlement of £608 !
" This is offered as a gesture of goodwill and without admission of liability or error. We are satisfied that our charges are fair, reasonable and transparent"
He goes on to say
"Kindly note that should you be unwilling to accept administration charges that may accrue in the future in relation to unarranged borrowing and that would be in line with our published tariff, then we may need to consider if we are prepared to continue offering you the flexibility you enjoy with your current banking facilities"
I have a parachute account in place already, but I don't plan on allowing the shysters to charge me illegally in future, so fingers crossed I won't need it.
I'll send my acceptance today and fingers crossed will have the money ready for the new year.
Without this site it wouldn't have been possible. I'm off to make my donation now and encourage everyone else to do the same.
congratulations !!!
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Re: Scrofula vs RBS ***FULL SETTLEMENT OFFERED ***
Wow! That's got to be a record - 15 days from prelim to full settlement.
Congrats to you, Scrofula!
Westy
Westy
If you like my post, click the scales!!
Nov 1 2006 Preliminary letter 21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!
Read all about it: natwesttookmymoney - v- NatWest
Re: Scrofula vs RBS ***FULL SETTLEMENT OFFERED ***
WELL DONE!!!
I sent my Prelim Letter the same day as you and have heard nothing so the lba goes off today!
RBoS - claiming charges of £3868
17/1/07 - Offer for full amount!! WON!!
3/1/07 - LBA Deadline - reminder e-mail sent
16/12/06 - LBA Sent
27/11/06 - Prelim Letter Sent - no reply at all
17/11/06 - Statements received
12/10/06 - S.A.R - (Subject Access Request) Sent
If I've helped you please hit my scales 'n' bump my rep!
RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
WON at LBA with compound contractual interest £607
RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.
Scrofula vs RBS ***FULL SETTLEMENT OFFERED ***
and then CC companies. A bit nervous, but I'm reading all I can on this site and am determined to get MY money back
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