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.
If you have any RBS T&Cs can you please post here with details.The older the better.
In addition if you have other account terms and conditions please let us know.
You can post here or pm a Mod or Sitehelper.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
I have RBS T&C's from when I opened my Royalties Gold a/c approx 2000/01 (there are the following figures on the back of the brochure: 04/00, I assume this is publication date) 6 pages of smallprint though and alot of it is about membership benefits (huh!) I will try to scan them onto the thread (any tips?) alternatively if there's anything specific you want i'll try to answer asap.
SM
I am a layperson not a legal expert, my advice is offered without prejudice or liability, it is purely my opinion based on personal experience and should be treated as such. If in any doubt seek the advice of a qualified professional.
I don't know if it's of any relevance or can be used to our benefit, but looking through some old bank paperwork I found at the back of the filing cabinet I discovered a letter from 15 May 2001 where my local branch manager had written to me explaining about the charges involved in bouncing a direct debit. It's the wording find interesting...
In respect of Bank Charges whilst I appreciate that you are on a fixed income and that you cannot afford to pay bank charges, you must also realise that it is your responsibility to remain within your overdraft facility and if funds are unavailable then the Bank has the right to return items unpaid for which a charge is levied.
I don't know about you, but given that "levied" means "an imposing or collecting, as of a tax, by authority or force" I see that as a description of something that is punitive in nature and given the the use of "charge" rather than "fee" my understanding of the branch manager's words is that he wasn't offering a service, he was extracting an amount from my account as punishment for exceeding my overdraft limit.
I've also found another letter from 12 December 1996 where the sentence used was
"A charge of £30 has been levied against your account to cover the cost of returning the items.
Victory over Lloyds PPI claim £2606 click! Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06) The GF's battle against RBS click! stayed awaiting the end of the world
Victory over Lloyds PPI claim £2606 click! Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06) The GF's battle against RBS click! stayed awaiting the end of the world
Wanted ; RBS terms and conditions
T&Cs can you please post here with details.The older the better.
The Consumer Forums
Reply With Quote
