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.
I have - but not scanned. Does this post cover what you are looking for? If not, pm what you are after.....
Thanks for the link - what I'm actually after is a full copy of the Ts&Cs so I can review each section completely - I have a pretty big RBoS claim coming up, which I want to have all the right info to hand for
I'm also wondering if the local branch will just hand out copies without question?
Cheers
Michael
Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.
That's how I got mine - I just rang Direct Banking.
In fact you could probably just walk anonymously in to your local branch and ask for a copy - I would think they come with the current account flyers, or the branch would have them lying round I'm sure.
I've finished all my RBS claims now, so if you are still stuck I'll send it to you if you like. I'm moving home in a week so scanner is packed up atm - could scan it in 2-3 weeks.
If my post has been useful, tip my scales and let me know
In fact you could probably just walk anonymously in to your local branch and ask for a copy - I would think they come with the current account flyers, or the branch would have them lying round I'm sure.
Indeed, did this this afternoon - got a copy of the Royalties Gold Ts&Cs without a problem
Thanks anyway T4FF
Cheers
Michael
Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.
Hmm, ok, I discovered a while back that the Royalties Gold Ts&Tcs pretty much just covered the extra RG benefits - so I managed to get a set of the actual Royalties Ts&Cs. These were ref RBS L380 12/06.
Now I really need to refer to them, I think it might be an idea to have a copy from before 2006, avoiding some of their fancy words trying to get around the charges. Has anyone got an older copy at all please?
Cheers
Michael
Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.
I don't know if this is relevant or not for you but just in case. I have been going through those T&C's also and have put a complaint into the Banking Codes Standards Board ref HOW they apply the charges.
The Banking Code states that you are to be goven 14 days notice of charges being applied unless otherwise stated - CLEARLY. RBOS apply most of their charges instantly - usually creating more charges. In all their paperwork the only reference to this I could find said:
"charges are payable" Does not say immediately or anything like it. It is a very ambiguous term, not clear and very misleading. When you sign up, reading that you are left unaware that charges will hit instantly causing you further cost - until it happens.
So it contradicts the banking code. Hope it helps to prove the charges are not only unfair but applied wrongly, goo dluck with the case.
Yeah, most banks do that too - the Banking Code only seems to be used when it benefits them!
Unfortunately though, that doesn't help with the exact clauses & wording that I need for my case - unless your Ts&Cs are dated older than last year & you've got a spare or scanned copy?
Cheers
Michael
Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.
No bother. I opened my royalties gold a/c about 4 years ago and I never throw paperwork away (not always a good thing lol). I'll have a look in my bank folder and scan them in if I have them - chance are I do.
Royalties Ts & Cs
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Originally Posted by T4FF
