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.
19th Oct sent SAR - received response with statements on 27.10.06. Sent lba on 2.11.06 claiming £61.28 charges. 9.11.06 received a letter advising me that investigations are underway. 13.11.06 received a letter from RBS as below. Has anyone had this response, if so, where do I go from here please? There seems to be cross lines with the letters!! Thank you for reading this and looking forward to a reply.
Thanks again
Amanda
Thank you for your letter dated 2.11.06, concerning the charges that have been applied to your account.
The terms and conditions that you agreed to when opening this account do state that if we do not receive your payment by the due date given on your statement or you exceed the assigned credit limit on your account, then interest will automatically be calculated and you will also receive a default charge.
As advised on the reverse of your monthly statement, it is recommended that sufficient time be allowed for payment to reach us by the given date. The Royal Bank of Scotland has considered the Office of Fair Trading's view that fees charged by credit card companies are excessive, and do not represent the actual losses incurred.
The Royal Bank of Scotland is committed to ensuring that its customers understand its charges and we provide them with every opportunity to avoid paying them. We do review individual cases where fees have been applied to credit card accounts, treating each one on its own merits.
Whilst The Royal Bank of Scotland strongly disagree with the Office of Fair Trading's legal position on credit card default charges, has lowered its late payment and over limit fees for credit cards to £12.00. Against that background, we must differ to the views expressed in your letter and accordingly, the charges that have been applied to your account will stand.
I am able to provide you with your account recordsheld on file and copy statements, which will detail any charges that may have been applied to your account. Please note that under the Data Protection Act 1998, a fee of £10.00 is required for the provision of this information. (I have already had these from the previous letter!!!!!).
Should you require this information then please forward a cheque, made payable to the Royal Bank of Scotland, once cleared the account records and statements will be posted to you.
If after 2 January you remain dissatisfied then you can ask the Financial Ombudsman Service to look at your case. A leaflet was sent to you on 9 November 2006 explaining how the Ombudsman works and how to get in touch with them. If you need another copy of the leaflet then please let me know and I'll send you one. However, if you are happy with my letter then you do not need to do anything else.
Ms Jones, while I realise my response may not provide you with the outcome you would have expected, I trust my explanantion clarifies our position.
If you have sent the prelim and lba and waited the 14 days then you file with MCOL, you can send them a letter to tell them you haev found their response unsatisfactory and as a result you have issued a claim against them. They may settle as it is a small amount.
Response from RBS Credit Card...help?!!
- received response with statements on 27.10.06. Sent lba
Reply With Quote
