Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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  1. 24th November 2006 00:27 #1
    30some 30some is offline
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    Default 30Some v Royal Bank Scotland

    Trying to claim back charges on RBoS account. Calculated the charges but included overdrafticon maintenance charges, can I do this?

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  2. 24th November 2006 03:00 #2
    Rooster-UK Rooster-UK is offline
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    Default Re: Maintenance charges

    Hi 30some, welcome to the family.

    Different banks use different titles for their charges, and I'm not familiar with the titles used by RBOS.

    I would suggest that you start your own thread in the RBOS forum and post any questions and progress reports there.


    Click on this link for RBOS FORUM....


    You will be able to draw on the experience of other users who are dealing with RBOS.

    Good luck with your claim.


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  3. 24th November 2006 17:11 #3
    30some 30some is offline
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    Default No reply within 14 days

    30some v RBoS

    I have sent the first letter detailing all the charges for the past five years and requested full payment.

    The standard letter I have used gives 14 days to respond, I sent the letter recorded delivery however they are getting close to the 14 day deadline. What happens if they miss the date, does it severely strengthen my claim.

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  4. 24th November 2006 17:15 #4
    hagenuk hagenuk is offline
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    Default Re: No reply within 14 days

    Once the deadline has passed, you send your second letter, which should be the lbaicon. It is quite normal not to get a reply and it does neither strengthen nor weaken your claim.

    iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.
    Vanquis - Claim issued, no AoS or Defence received
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  5. 24th November 2006 17:30 #5
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    Default Re: No reply within 14 days

    Cheers, still getting head round it all.

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  6. 25th November 2006 22:03 #6
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    Default Re: 30Some v Royal Bank Scotland

    Right I have moved all your posts together this is your thread please keep your questions here.
    As regards your earlier comments.
    The subscription charges for the Royalties Gold account is something that cannot be claimed as it is a service that gives additional benefits over and above a normal current or saver account.
    Maintenance charges are reclaimable they are a disguised penalty.

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