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

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 13th May 2006 11:43 #1
    snoopy snoopy is offline
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    Talking Snoopy v RBOS - success! but I have a question...

    Many thanks to all who organise this site, as I have just received £88 charges back from RBOS (that was all I was owed, just one month's charges).

    I sent the preliminary letter (reworded, I'm afraid I found the language a bit OTT) to my branch (Swindon) on Thursday and got a reply today! (I've always found my branch staff to be very efficient - which is why I stay.)

    Anyway, just one question, if anyone can help... they've given me the usual about believing their charges are 'fair, reasonable and transparent' and they've refunded the charges as a 'gesture of goodwillicon'. They've then gone on to say that 'Acceptance by you of this payment will be in Full and finalicon settlement of all claims you may have relating to our charges.' I'm assuming that this is not enforceable for any charges they may apply in the future... does anyone know? I'm thinking I should write back along the lines of... thanks for the gesture but I reserve the right to reclaim any future charges... or should I just leave it and cross that bridge later?

    Thanks in advance for any help.

    PS. Please accept my donationicon in thanks for your help in getting my money back.

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  2. 13th May 2006 12:53 #2
    Lueeze
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    Default Re: Snoopy v RBOS - success! but I have a question...

    Wite to them thanking them for the refund, but you will not accept future charges to the account. Somehwere Spiceskull has a letter he wrote to his bank advising that they are not to take future payments. You have to look for it under the HSBCicon threads...

    Lou x

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  3. 15th May 2006 11:52 #3
    snoopy snoopy is offline
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    Default Re: Snoopy v RBOS - success! but I have a question...

    Hi,

    Thanks for that. I'm sending them this today:
    Thank you for your prompt reply to our previous letter and thank you for your goodwill gestureicon of refunding our money.

    We accept this payment in Full and finalicon settlement of this claim only but do not accept your assertion that these charges are legal. You acknowledge that you are in discussion with the OFT in relation to credit card charges and I infer that you do not believe bank accounts to be included. However, I refer you to the OFT document, ‘Calculating fair default charges in credit card contracts. A statement of the OFT's position’(Apr 2006), which states

    “In our view the basic principles set out here also apply to other analogous default charges in consumer contracts, for example in agreements for bank overdrafts, mortgages and store card agreements. We invite the banks to reconsider such charges accordingly.”

    We hope therefore that you will make no further punitive charges on our accounts but if you choose not to follow the advice of the OFT we will reclaim any such charges.

    Will keep you posted...

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  4. 15th May 2006 19:55 #4
    Chrisjbc Chrisjbc is offline
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    Default Re: Snoopy v RBOS - success! but I have a question...

    As this is my first post, my apologies if its the wrong section.
    I am about to issue a Bluey against RBoS. The usually letter saying "transparent charges etc and matter closed.

    I am advised by them to issue proceedings to the Edinburgh office, but the on line Court page says Enland and wales only, can anyone advise please?

    Thanks

    Chris

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  5. 15th May 2006 20:24 #5
    BankFodder BankFodder is offline
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    Default Re: Snoopy v RBOS - success! but I have a question...

    Quote Originally Posted by Chrisjbc
    As this is my first post, my apologies if its the wrong section.
    I am about to issue a Bluey against RBoS. The usually letter saying "transparent charges etc and matter closed.

    I am advised by them to issue proceedings to the Edinburgh office, but the on line Court page says Enland and wales only, can anyone advise please?

    Thanks

    Chris
    please could you start this claim in a new threadicon. You are hijacking someone else's thread and it makes the confusing for everybody to follow both claims.

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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  6. 15th May 2006 20:26 #6
    BankFodder BankFodder is offline
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    Default Re: Snoopy v RBOS - success! but I have a question...

    Quote Originally Posted by snoopy
    Many thanks to all who organise this site, as I have just received £88 charges back from RBOS (that was all I was owed, just one month's charges).

    I sent the preliminary letter (reworded, I'm afraid I found the language a bit OTT) to my branch (Swindon) on Thursday and got a reply today! (I've always found my branch staff to be very efficient - which is why I stay.)

    Anyway, just one question, if anyone can help... they've given me the usual about believing their charges are 'fair, reasonable and transparent' and they've refunded the charges as a 'gesture of goodwillicon'. They've then gone on to say that 'Acceptance by you of this payment will be in Full and finalicon settlement of all claims you may have relating to our charges.' I'm assuming that this is not enforceable for any charges they may apply in the future... does anyone know? I'm thinking I should write back along the lines of... thanks for the gesture but I reserve the right to reclaim any future charges... or should I just leave it and cross that bridge later?

    Thanks in advance for any help.

    PS. Please accept my donationicon in thanks for your help in getting my money back.
    There is no need to reply to their letter and no need to worry about being prevented from claiming future charges.

    You have not agreed to anything. They have sent you the money which was sent to without asking you to agree anything in advance. They cannot unilaterally impose conditions on you.

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
    Reply With Quote Reply With Quote
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE