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.
not sure if i got this right??
filled in the spreadsheet for compounded interest
Claim period 18 march 2002 - 21 august 2003
account closed! loan offered(declined), sent to a debt collection agency
Is this a card then as opposed to a current account? 33.7% is news to me otherwise?
It is up to the current date and continues to accrue throughout your claim. I would advise you to use one of the spreadsheets available through this site (personally, I would recommend mindzai's) as these do the interest calculations for you.
If my post has been useful, tip my scales and let me know
have used mindzai's spreadsheet v1.9
No its a royalties gold account from 2002
on the advice and charges page sent out each month with my statments it say's "the current unauthorised* rate applicable is 2.45% per month, effictive annual rate 33.7%"
Have just got a reply from my prelim letter from RBS and it states that that they belive the charges they levied from my account are for providing servicies not charges for defult!!!!! Does anyone know of any bank services that cost £714.00 for a year of my account being open????
Also in the letter they are offering to give back the £714.00 as a geusture of goodwill......
What i need to know is how to incorparate this rubbish into my lba, also i have old statments to prove otherwise!!!!
want to take them for all the money i can get as that is what they did to me
If RBoS are offering to refund all charges in full - you really should accept as opposed to pursuing them for any contractual interest. Any offer to refund all charges in full should be strongly considered. Please read this thread for further info on why CI should not be pursued on bank accounts http://www.consumeractiongroup.co.uk...precedent+lost
Jeckle V's Royal Bank of Scotland
agency
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