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)


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  1. #1
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    Smile Bank Charges - HELP!!!

    Hi,

    I was with RBSicon (Royal Bank of Scotlandicon) and I got charged about 300 one christmas because they take there money before the weekend is over.

    Any way I contacted them and asked if they could resolve it anyway as I will only have the same money coming in as I did last month. If they were not going to give me a refund then I would get charged the same every month afterwords. This refund was refused and as predicted 300 the month after in charges and again and again.

    Now I am 3000 overdrawn (1000 overdraft) - I asked them to put my account on hold pending the outcome of this court case and they said no - they have told Triton to contact me and are treatening to send baliffs round etc.

    Might not have been a good idea but since I have been to the local branch twice and told them I am getting baliffs into the branch.

    Why do they think they can threaten me into paying when they wont allow me to claim bank charges until the outcome of the court case.

    I dont mind waiting for this but I refuse to pay bank charges which could potentially be illegal.

    Need some advise please....

    Cheers
    Steve

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  2. #2
    Basic Account Holder smorrissey Novitiate



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    Default Re: Bank Charges - HELP!!!

    I Sent them This....

    WARNING OF FURTHER ACTION
    PLEASE DO NOT IGNORE THIS NOTICE

    Debtor: Royal Bank of Scotlandicon (Bispham Branch)
    Claimant: xxxxxxx
    Account: xxxxxxxx

    You are required to make payment for the sum of 2289.83 for charges applied to the above account during the period of November 2007 to November 2008.

    You have failed to pay this outstanding amount after numerous phone callsicon and final demands. If this sum is not paid within seven (7) working days from 25th November 2008 then we will have no choice but to take further action to recover this debt. This means we need payment before the 4th December 2008.

    If we have to visit you, we will do so between 8am and 6pm Monday to Friday. If there is no answer or your business is closed then we will post a notice on or through your door informing you of the visit and the amount outstanding.

    Please also note that this matter has got to a very serious stage and due to the increased cost for visits and communication with RBSicon, the following charges will be applied.

    If we need to contact you by letter there will be a 30 charge applied to the amount outstanding. If we have to contact you by telephone there will be a 10 charge applied to the amount outstanding and if we need to visit you we will be charging 100 per visit.

    We WARN you now, that should you continue to ignore our correspondence the following will happen:
    • The actual amount you owe will increase.
    • Bailiffs will be instructed to visit you.
    PLEASE NOTE ONCE THE MATTER IS HEARD AT COURT YOU ARE HERE BY GIVEN NOTICE THAT BALIFFS WILL BE INSTRUCTED TO VISIT RBS BISPHAM, REDBANK ROAD, BISPHAM TO ENFORCE RECOVERY OF THE DEBT WHICH MAY INCLUDE REMOVAL OF GOODS.
    WE MUST STRESS THAT IF BALIFFS ARE INSTRUCTED TO ENFORCE RECOVERY THEN YOU WILL BE REQUIRED TO PAY THE MONEY TO THEM PLUS ANY COSTS INCURRED.
    IF THERE IS NO ANSWER AT THIS STAGE WE WILL CONTACT A LOCKSMITH TO GAIN ENTRY TO YOUR PROPERTY TO REMOVE GOODS.



  3. #3
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    Default Re: Bank Charges - HELP!!!

    any advise.....


  4. #4
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    Default Re: Bank Charges - HELP!!!

    Have you actually started a bank charge reclaim?

    Opinions are offered in good faith based upon personal experience and research. Before making any irreversible decisions the opinion of a qualified, registered and insured legal professional should be sought.

    If my advice or information has assisted you in any way - please click my scales.

    thanks

    [COLOR=red]Nat West Charges 1056 [B]WON[/B][/COLOR]
    [COLOR=#ff0000]RBS Charges 3600 [B]WON[/B][/COLOR]
    [COLOR=#ff0000]RBS Unenforceable Loan 18500 [B]Pending[/B][/COLOR]
    [COLOR=#ff0000]RBS PPI on loan above [B]Pending[/B][/COLOR]
    [COLOR=red]MBNA Credit Card [B]CCA & SAR Sent[/B][/COLOR]
    [COLOR=#ff0000]Co-op Credit Card [B]CCA Sent[/B][/COLOR]
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  5. #5
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    Default Re: Bank Charges - HELP!!!

    Yes - I have send SARicon etc and had statements and sent in claim to RBSicon.

    This has been place on hold pending the outcome of the court case so in theory their claim for bank charges should be on hold too?

    Ta

    Steve


  6. #6
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    Default Re: Bank Charges - HELP!!!

    The other question I should have asked - are you still using this account?

    Opinions are offered in good faith based upon personal experience and research. Before making any irreversible decisions the opinion of a qualified, registered and insured legal professional should be sought.

    If my advice or information has assisted you in any way - please click my scales.

    thanks

    [COLOR=red]Nat West Charges 1056 [B]WON[/B][/COLOR]
    [COLOR=#ff0000]RBS Charges 3600 [B]WON[/B][/COLOR]
    [COLOR=#ff0000]RBS Unenforceable Loan 18500 [B]Pending[/B][/COLOR]
    [COLOR=#ff0000]RBS PPI on loan above [B]Pending[/B][/COLOR]
    [COLOR=red]MBNA Credit Card [B]CCA & SAR Sent[/B][/COLOR]
    [COLOR=#ff0000]Co-op Credit Card [B]CCA Sent[/B][/COLOR]
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  7. #7
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    Default Re: Bank Charges - HELP!!!

    Hi, Steve.

    First time I've seen it done that way.

    Have a look at the step-by-step.......

    http://www.consumeractiongroup.co.uk...tructions.html

    That's the way I've always claimed back charges.

    You need to take your claim all the way to court. It will more than likely be 'stayed' but at least your claim will be in the system.

    You could try sending the Bank this letter..........


    Dear Sirs

    Re: Account in dispute

    I am writing to clarify that I am currently in the process of requesting a refund of bank charges unlawfully made to my account.

    I note from your latest correspondence that you are proposing to instruct debt collectorsicon to contact me. I need to make you fully aware that I am disputing the sum owed and, as such, you must refrain from any further action until this dispute is fully resolved.

    If you do not stop this action and proceed by making any adverse comments on my credit reference files, I shall be forced to take legal action against you under the Data Protection Act 1998.

    Yours sincerely,


    I'm not sure what else you can do at this time, hopefully someone else can help.

    Regards.

    Scott.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

    If you can, please donate to this site.


    Help keep it up and active, helping people like you.



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  8. #8
    Royalties Account Holder Michael Browne Highly authoritative Michael Browne Highly authoritative Michael Browne Highly authoritative Michael Browne Highly authoritative Michael Browne Highly authoritative Michael Browne Highly authoritative Michael Browne Highly authoritative Michael Browne Highly authoritative Michael Browne Highly authoritative Michael Browne Highly authoritative Michael Browne Highly authoritative



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    Default Re: Bank Charges - HELP!!!

    Very amusing. I would imagine they will pin this up on the notice board so all the staff can have a good laugh.


  9. #9
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    Default Re: Bank Charges - HELP!!!

    Hi - Thanks for replys,

    I have already sent a similar letter but hadnt worked - I am no longer using this account.

    After the above was hand delivered they were quite shocked (they even told me they were gonna place the account on hold) but since failed to do so.

    I just dont want triton and co threatening me over these charges.


  10. #10
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    Default Re: Bank Charges - HELP!!!

    I know quite funny but I wanna play them at their own game - hahaha


  11. #11
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    Default Re: Bank Charges - HELP!!!

    Another question - If i send a CCA to a bank or credit card company - do they have to provide me with a signed credit agreement. Just read somewhere on another website they dont have to?

    Ta

    Steve


  12. #12
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    Default Re: Bank Charges - HELP!!!

    They have to provide you with a true copy of the agreement. It doesnt necessarily have to be the exact copy that you signed. HOwever if they want to proceed at court they will have to produce a copy of the ORIGINAL that you signed.

    Opinions are offered in good faith based upon personal experience and research. Before making any irreversible decisions the opinion of a qualified, registered and insured legal professional should be sought.

    If my advice or information has assisted you in any way - please click my scales.

    thanks

    [COLOR=red]Nat West Charges 1056 [B]WON[/B][/COLOR]
    [COLOR=#ff0000]RBS Charges 3600 [B]WON[/B][/COLOR]
    [COLOR=#ff0000]RBS Unenforceable Loan 18500 [B]Pending[/B][/COLOR]
    [COLOR=#ff0000]RBS PPI on loan above [B]Pending[/B][/COLOR]
    [COLOR=red]MBNA Credit Card [B]CCA & SAR Sent[/B][/COLOR]
    [COLOR=#ff0000]Co-op Credit Card [B]CCA Sent[/B][/COLOR]
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  13. #13
    Basic Account Holder smorrissey Novitiate



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    Default Re: Bank Charges - HELP!!!

    OK is it worth seeing if the comply with CCA to see if debt is unenforcabe?



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