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.
happyolddog showed me this link so i can start a thread re. my claim. I am new to the site and so far very grateful for the advice within.
I am still unsure on a couple of things. Does anyone know enough about RBS claims to answer the following 2 points please?
Since 1996 I have had Royalties upgraded to Royalties Gold then finally to Premier. There is a monthly fee for this type of account which is topped up by a monthly maintenance charge if you go overdrawn. It is my understanding that I cannot claim back the monthly fee but can claim the maintenance charge. Please tell me if this is correct.
Also, RBS charge what they call a "Referral Charge" of £20 per item when they pay something whilst overdrawn. Is anyone familiar with this charge? I have read pieces in the forum where people say this charge is unfair and should be claimed for. But does anyone know if I can definitely include these charges in my claim.
Ok I have carried on my research within the site and found evidence of others claiming maintenance charges on top of Royalties, Gold and Premier fees. Also found info on Referral Fees being claimed. And so I shall claim for these also.
You are correct. You cannot claim the Royalties fee but it is usually combined with overlimit charges which you can claim, it will appear on about the same date every month as 'chg to ac no- xxxxxxxx' or similar.
Referral fees are claimable but I think you will find they are now £30.
But take a look at the bank's new T&C where they say that this is now for a service - every time you go overlimit they will charge you a one off fee for extending your overdraft temporarily - what a laugh! Comedians the lot of them!
Just over a week ago I finally sent in my request to RBS with list of charges. I have received the "sorry you are not happy" letter saying it will take 7 to 8 weeks to investigate.
I have read the step by step guide which says I should still send the letter before action 14 days after sumitting my claim. Should I tell Rbs at this stage that I do not intend to wait 7-8 weeks and will be issuing an LBA next week?
Really frightened by all of this but talking about over £3500 they have had from me in the last 6 years.
Any help to say I am doing the right thing really appreciated.
Hogie v RBS
claims to answer the following 2 points please?
Reply With Quote
Re: Hogie v RBS
