Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


Results 1 to 4 of 4
  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Mar 2006

    Posts
    3

    Default RBOS - Where to start.

    424hjfg34
    This is my first post here and I will try and keep it brief but the story is long and complex with different issues going on...I'll do my best to keep seperate items in seperate threads though and see if anyone can advise me as to whether I am going about things the right way.

    I am a long-standing personal and business customer of RBSicon. There has been a steady flow of charges levied against me over the years (on average paying over 2000 a year in charges and fees to the bank). I have in the last few years had a reasonable relationship with the bank and have suffered the charges as what might be called a "hazard of the job" - all part of the joys of self-employment.
    Recently howeve I have suffered what can easily be called bank bullying and over the last 3 months my business account has been mismanaged, I have been overcharged, underinformed, pushed from pillar to post and it has cost me days and days of trying to sort out my account and my creditors.

    Because the account seemed to be on a downward spiral, my account has been sent to Edinburgh's management centre (they call it last chance saloon but I've been managed there before). The manager I spoke to there advised me to make a complaint to customer servicesicon about our treatment and he gave me the address and telephone number of the department.

    We have been charged over 1000 in charges on the two accounts over the past 3 months. 350 of this has been returned to us already but I am so incensed with behaviour of the bank I intend applying for the rest to be returned. Most of the charges are for going over the overdraft or for bounced cheques.

    In the meantime I have drafted a letter of complaint which stresses both the financial and the mental stress that this has put me under, requested reimbursement and compensation. I have charged them with breach of the Business Banking Codeicon section 14. I have also compiled an exhaustive audit of communications. I have annotated a copy of the statements for the 3 months and highlighted everything that I am unhappy with and given reasons why I am not happy with an item, action or reaction of the bank.

    This huge pack of information I intend sending to the Customer Relations.

    Questions:
    (a)Is this likely to bring a result?
    (b)Am I proceeding correctly, this seems to be different from the way many have proceeded on this forum?
    (c)Should I petition for the return of charges as a seperate item?
    (d)Should I be forwarding this to other bodies such as the Ombudsmanicon

    I am only requesting the return of charges for the last 3 months, if I was to go for the last 5 years the sum would be huge but I am also aware that there is a small claimsicon limit in Scotland of 750.00. Does this sound like I am being too reasonable; should I just go into them for as much as I can get.
    I am quite happy for this to go to court but don't have much money....actually I don't have any, probably because I've given it all to the bank. To add further to the problem my credit rating is hardly gorgeous (no CCJ's but other stuff) and moving banks will be very difficult and getting lending from another bank likely impossible.

    Any insight would be helpful

    I did try and keep it brief, I'm hoping you all didn't fall asleep there.

    BB

    Similar Threads:

  2. #2
    Site Team The Consumer Action Group BankFodder's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Jan 2006

    Posts
    28,378
    Blog Entries
    17

    Default

    (a)Is this likely to bring a result?
    No
    (b)Am I proceeding correctly, this seems to be different from the way many have proceeded on this forum?
    The banks only understand direct aggressive action
    (c)Should I petition for the return of charges as a seperate item?
    Petition?
    Separate from what?
    (d)Should I be forwarding this to other bodies such as the Ombudsmanicon
    Waste of time.


    On the matter of the amount your are claiming, Start getting 750, then another then another until something in the bank snaps and they raise some other issue.

    Get another account somewhere else whatever it takes and however lowly the account. Get 2 or 3



    Warning: I use dictation software. Beware of homophones!
    Have you read our dealing with customer services guide?
    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.

    All attribution rights and moral rights in my copyright work are asserted
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
    Follows
    0
    Following
    1

  3. #3
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Mar 2006

    Posts
    3

    Default

    (a)Is this likely to bring a result?

    No
    Ohh Pooo, have I wasted my time putting together this audit of communications etc?

    (b)Am I proceeding correctly, this seems to be different from the way many have proceeded on this forum

    The banks only understand direct aggressive action
    OK, well that's clear now.

    (c)Should I petition for the return of charges as a seperate item?
    Petition?
    Separate from what?
    What I described in the original post was my intended complaint. By petition I meant petition (v) - to ask for by a formal written application requesting a court for a specific judicial action.
    IOW Should I send in my complaint and then claim the charges back in seperate actions. I had originally intended to combine the two. Obviously it's just raise a court action and be done with it.

    (d)Should I be forwarding this to other bodies such as the Ombudsmanicon
    Waste of time -
    Thanks much appreciated I don't want to waste any more time.

    Start getting 750, then another then another .........Get another account somewhere else whatever it takes and however lowly the account. Get 2 or 3
    Thank you, I am pursuing this now.

    until something in the bank snaps
    Does this happen?


  4. #4
    Site Team The Consumer Action Group BankFodder's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Jan 2006

    Posts
    28,378
    Blog Entries
    17

    Default

    Does this happen?
    Dunno. I'm curious to find out, though.



    Warning: I use dictation software. Beware of homophones!
    Have you read our dealing with customer services guide?
    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.

    All attribution rights and moral rights in my copyright work are asserted
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
    Follows
    0
    Following
    1


Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details