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 have the Basic Key Account due to an IVA so as you can imagine things are tight.
Just thought I should let you know that I have started the process of reclaiming my charges from RBoS, I got my statement from them and found they had charged me for returning 7 direct debits in 1 day at £38 pounds each, these were mainly small direct debits £5 and £10 for charities and things like the Gas bill, spookily enough the largest direct debit, which happened to be in favour of RBoS was paid, if they had bounced that and charged me £38 I probably would not have complained, when I phoned to ask nicely for a review of these charges they said tough its in the terms and conditions I did point out the fact that they now do not even send me a letter if they return a direct debit so cannot even claim the cost of postage. I then checked back on internet banking and found that since July they have had £798 in charges so on the 21st December I sent the first formal letter giving the 40 days to provide all details of charges. I also faxed it to the branch and confirmed with them that they had received it.
I will keep you up to date on how things progress, One question, the 40 days is that working days or calendar days ?
Spend a few days reading the FAQs and the step by step guide in the library section.
Post any questions and progress reports here so that if you need any help, it can be tailored to suit your claim.
Good luck with your claim.
Regards, Rooster.
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Hey speedy, welcome and well done for starting off. Loads of people here to keep an eye on you and help if possible. Check out everything you can find time to read - it helps to get a flavour of what to expect.
Best of luck
Sweetrevenge
Don't get mad - get even!
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.
First bit of movement, RBS have replied with the following from their customer service department:
" Your complaint regarding charges has been passed to me and I am sorry we have been unable to reach an agreement with you.
In order that i may consider your request i will need you to detail the charges you are disputing. To enable you to di this i have ordered duplicate statements covering the period of your claim, which you will receive shortly. These will be provided to you free of charge.
Once you have claculated your claim please provide me with a list of the charges you dispute, including the relative dates and amounts, and quoting the above reference. I will then be pleased to review matters."
This is signed by Jonathan Beckett (Customer Relations).
This looks to be a stalling tactic to me as the letter I sent just asked for details of all charges over the last six years under the data protection act.
Do I assume from this that once the statements arrive I put all the charges onto a spreadsheet with dates and amounts (£38 each) and claim the lot ?
Yes, but just send a list of the dates of charges, the amount of the charge and what the charge related to, i.e. returned DD, over limit charge, etc. Don't send the sheet with 8% interest. That's for the court
It's nice of them to tell you they'll provide the statements free of charge. Probably coz they know it'll only get claimed back on the end anyway!
Good luck!
Oooo, when is the 40 days up? You did ask for 6 years worth of statements, didn't you?
Barclays - £700 - SETTLED IN FULL BarclayCard - £380 - SETTLED IN FULL + £132 EXTRA Style RBOS - COUNTY COURT JUDGEMENT AGAINST CREDITOR - SHERIFF OFFICER ACTION TAKEN - £245 - SETTLED IN FULL
It pains me to admit they have acted fairly swiftly so far, My initial letter was dated 21st of December so the 40 days is up 31st of January, RBoS reply was dated 29th December. Lets just see when the statements ordered by Mr Beckett arrive. I am concerned about this as I work abroad on a 28 day rotation and depart UK on 14th January.
I have checked my account today to find that the dirty stinking robbing barstewards have charged me another £76 for 2 direct debits, having phoned the bank they said that the cheque I paid in does not clear until 5pm tonight and the D/Ds were returned this morning. What concilliatory feelings I had have now gone out of the window and I want every single penny I can get from this bunch of ******S. If anyone knows of anything else I can add into my claim like postage, electricity, telephone calls, emotional stress please let me know, I also now do not care if it costs me more money or I loose I want to shout this to the press, to anyone who will listen to show what RIP OFF the RBS banking sector is, especially as I believe they have the highest charges at £38 for returning an item.
RBoS Starting the process
, which happened to be in favour of RBoS was paid, if they had bounced that and charged me £38 I probably would not have complained, when I phoned to ask nicely for a review of these charges they said tough its in the terms and conditions
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Sweetrevenge 
