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 am on the trail of RBS over a £12 late payment fee added to my most recent credit card statement. I didn't receive a statement in May from them so when I received my latest statement a couple of days ago, it showed up an outstanding amount of £16.64 carried over from May, plus my latest transactions and the late payment fee, and interest of £1.30 on the full outstanding amount. A penalty of £12 for an unpaid amount (through no fault of mine) of under £17 is absurd!
RBS contacted me yesterday and said they would refund the interest but not the late payment charge. I pointed out that it wasn't my fault the statement was not received, but they stated that the charge was "In their T's and C's" so it is legal. Isn't it amazing that they still try and trot out this line
So, the battle lines have been drawn and the template from CAG has been used and amended slightly and the letter was sent yesterday. Its only £12 and nothing like the figures some members of CAG have been charged, but its the principle. And I do like a good battle
Send a CCA request while you're at it (remembering to enclose a 1.00 postal order made payable to them so its deemed cashed on receipt) by Special Delivery.
You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.
If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.
If you think I have been helpful PLEASE click the scales
I'm pleased to say the matter is resolved. I received a letter from the customer care team today who bizarrely told me that there was no record of any late payment fees ever having been added to my account. So I phoned up and spoke to a very helpful lady called Marion, one of the first line customer advisers, who looked into it and then told me that she would be removing the fee and refunding my account. She couldn't understand why this wasn't done in the first instance, given my very good conduct of my account.
You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.
If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.
If you think I have been helpful PLEASE click the scales
Rob S V RBS
over a £12 late payment fee added to my most recent credit card statement. I didn't receive a statement in May from them so when I received my latest statement a couple of days ago, it showed up an outstanding amount of £16.64 carried over from May, plus my latest transactions and the late payment fee, and interest
has been used and amended slightly and the letter was sent yesterday. Its only £12 and nothing like the figures some members of CAG
Reply With Quote
