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.
I currently have a Student Royalties account with RBS and they have charged me so much over the past four years (grrr). Last year I closed an interest Paying current account with them, as I no longer required it. That too was subject to some very expensive charges from RBS.
I estimate that the total amount of charges, which RBS have levied against me over the past five years, is around £1500 and possibly more.
My progress so far...
On 2 May I sent a DPA request for all bank charges levied on both accounts in the past five years. I enclosed a cheque for £10 and emphasised that the Data Protection Act stipulates that an organisation can only charge a maximum of £10 for the request and that RBS should not be charging me £10 per account for each request (as I expect they might try and do).
As of 27 May I have still not received any correspondence from RBS as yet and they haven't cashed their cheque yet. On 1 June I will be sending them a letter reminding them that the statutory time of 40 days is almost up.
Citi Cards - £75 of charges being pursued
19 May - 1st letter sent
27 May - Letter received detailing T&C and that their charges are fair and legal
30 May - Final letter sent appealing decision and advising of imminent court action
RBS - 2 accounts, approx. £1500 of charges being pursued
02 May - DPA request issued
HBOS - £296 of charges being pursued
02 May - DPA request issues
27 May - Statements received for period August 2000 to May 2004. Still awaiting full data request for all information available to 1 May 2006
30 May - The remaining statements are received.
31 May - First letter sent detailing all charges since 2000 and requesting that they be refunded.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
stooy vs RBS
and they have charged me so much over the past four years (grrr). Last year I closed an interest
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