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Thread: MissM Vs. RBOS

  1. #1

    Default MissM Vs. RBOS

    Sent my Preliminary today. Didnt bother with interest as its mainly been the last few months, broken car, last minute trips back home ect; Anyway since Feb 1 I have paid 757 in bank charges.... nervous because RBOS seems to like a fight after reading all the threads below...
    Any tips? I sent my preliim to my local branch, should I send my lbaicon to head office? Or London?

    Fingers crossed for everyone in stage 3!!!

    Both myself and my partner are battling difficult banks-Cahoot for him who also seem to DENY DENY FOB FOB.

    Similar Threads:

  2. #2

    Default Re: MissM Vs. RBOS

    Quote Originally Posted by missm
    Sent my Preliminary today. Didnt bother with interest as its mainly been the last few months, broken car, last minute trips back home ect; Anyway since Feb 1 I have paid 757 in bank charges.... nervous because RBOS seems to like a fight after reading all the threads below...
    Any tips? I sent my preliim to my local branch, should I send my lbaicon to head office? Or London?

    Fingers crossed for everyone in stage 3!!!

    Both myself and my partner are battling difficult banks-Cahoot for him who also seem to DENY DENY FOB FOB.
    They usualy defend then backdown at the last minute, yes send the lbaicon to the head office

    Go on ... you know you want to click me
    don't be like the banks - give a little back
    There was a time before CAG but now CAG is here we are the empowered!
    In progress: Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06
    Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.
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  3. #3

    Default Re: MissM Vs. RBOS

    thanks for the advice!


  4. #4

    Default Re: MissM Vs. RBOS

    no responses, for me or my other half.

    When i send my lbaicon should I use the london office address?


  5. #5

    Default Re: MissM Vs. RBOS

    No response, today is lbaicon day. Just a quick one? In one other the other threads where someone has a brother/sister/cousin something or other that works for RBOS they state that mention of media exposure could kick the behinds into action a bit faster. Should I maybe add a line to my lbaicon letter letting them know I will take this to local media?

    Also, I sent my prelim to my branch, should i sent LBA their as well?

    Cheers for helps!


  6. #6

    Default Re: MissM Vs. RBOS

    Oh another thing, I have incurred another 35 quid charge since my prelim, should I just add it on once I get to moneyclaimicon stage?


  7. #7

    Default Re: MissM Vs. RBOS

    just add it on to the lbaicon and send it to your branch, not sure about the media attention thing, they must be getting a lot of it at the minute!!

    NatWest - Settled in full 22/05/06

    RBS- Prelim sent 9/05/06 1,147
    500 offer 27/05/06, rejected 30/05/06
    LBA sent 25/05/06
    MCOL 15/06/06
    Defence received 20/07/06
    Settled in full 01/09/06 wahey!!!!!!!!!
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  8. #8

    Default Re: MissM Vs. RBOS

    Thanks a lot!!


  9. #9

    Default Re: MissM Vs. RBOS

    Just got a letter stating that they are looking into it and I should here back within 40 days!!! funnily its from my branch...rubbish. Aug 22nd is moneyclaimicon day, can not wait!


  10. #10

    Default Re: MissM Vs. RBOS

    Stick to your timetable! they tried all this with me and I just ignored it and filed moneyclaimicon exactly 14 days after the lbaicon!

    NatWest - Settled in full 22/05/06

    RBS- Prelim sent 9/05/06 1,147
    500 offer 27/05/06, rejected 30/05/06
    LBA sent 25/05/06
    MCOL 15/06/06
    Defence received 20/07/06
    Settled in full 01/09/06 wahey!!!!!!!!!
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  11. #11

    Default Re: MissM Vs. RBOS

    whoops mistake on the above post, turns out it was a letter from my other half's bank not mine.
    So I am trying something different. I am quite irritated they havent even replied, even if it is a standard letter!

    I emailed this letter to Tommy Mclean, Margaret King, and Carol Stickland this morning.


    August 14th, 2006

    Dear Sir/Madam,

    ACCOUNT NUMBER: xxxxxxxSort Codexxxxxx
    I am writing to you to express my extreme disapoinment in regards a claim I have filed against my branch and yourselves.



    I sent a letter requesting a refund of all charges levied against my Interest Paying Current Account on July 24, 2006. I then sent another letter requesting again all charges be refunded on August 8th. Please note that both of these letters were sent via recorded mail and both were signed for at my branch, 45 Head Street, Colchester. I have attached a copy of both letters as well as the schedule of charges for your reference. The total I am claiming is 792.00



    To date I have recieved no response or even recognition of my claim. I feel extrememly undervalued as a customer and am shocked at the lack of customer service I am recieving. I have always recieved prompt and polite service from my branch and from RBOS Telephone and Internet Banking.

    However, due to recent media coverage, I now believe that your charges are a Penalty, penalty charges being irrecoverable at common law. It has been held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss.

    However, if you say that your charges are not penalties, I would be interested if you would demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. I would be more than happy to receive this via email: blah blah blah @hotmail .com
    I look forward to hearing from you and to a resolution of this. I will wait for until August 22nd as outlined in the letter dated 8 August 2006 then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

    Thank you,

    Miss M


  12. #12

    Default Re: MissM Vs. RBOS

    riggggggghto. not a peep from anyone at RBOS... Tuesday is MC!!!


  13. #13

    Default Re: MissM Vs. RBOS

    question

    THIS: 17 Aug 2006CHG01AUG A/C 101XXXXX- 28.00

    IS THIS UNAUTHORISED O/D? CHG


  14. #14

    Default Re: MissM Vs. RBOS

    It could be, depends on what kind of account you have.

    RBSicon lump the charges together, my statements are littered with entries like yours above. It is not interest as that is preceeded by "INT" but it could be a charge of 12 for, say a Royalties Gold account (if you have one) and a unspecified "fee" of 16 but being charged together, totalling the 28 you have shown.

    iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.
    Vanquis - Claim issued, no AoS or Defence received
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  15. #15

    Default Re: MissM Vs. RBOS

    nope, jsut plain old interest paying current


  16. #16

    Default Re: MissM Vs. RBOS

    In that case, claim it all, it is a penalty charge and therefore is unlawful.

    iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.
    Vanquis - Claim issued, no AoS or Defence received
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  17. #17

    Default Re: MissM Vs. RBOS

    MissM,

    some people seem to have been ignored, it must just depend on your Branch, Davidhannam got ignored, Hostie got a telephone callicon as letters arrived/dealt with! I made a point of keeping in touch with the Rugby Branch and dealing with the same person (which just happened to be the Dep Mgr). If you've got all of your statements then fair enough, you may want to look into a DPA Breach as well then, as per the FAQ/libraryicon...

    BC

    Big Col
    RBS LBA 20/06/06. WON - 21/10/06
    MBNA(1)-Start-20/06/06, Claim-250, 15/8 - Winner!!
    MBNA Virgin(2)-Start-20/06/06, Claim 100, 15/8 - Winner!!
    BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06
    Green On!
    If the post/advice helps, pse click on the scales!!
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  18. #18

    Default Re: MissM Vs. RBOS

    Quote Originally Posted by missm
    question

    THIS: 17 Aug 2006CHG01AUG A/C 101XXXXX- 28.00

    IS THIS UNAUTHORISED O/D? CHG

    is it about 16 days after "end of charging period" ie when they send the statements? in which case it probably is. but its normally only a tenner for unauthorised overdrafts....or that may be just mine (graduate royalties)


  19. #19

    Default Re: MissM Vs. RBOS

    cool thanks!

    Well I have a problem now, MC day tomorrow but I won't have the cash to file my claim until end of next week


  20. #20

    Default Re: MissM Vs. RBOS

    MissM,

    most of us have been in the same boat, so just wait until the weekend, it will give you time to sort out your calim wording. You can start the claim and save it without having to cough up!! That way you can make sure you are happy with the wording and the number of words etc!

    Then you can enjoy the satisfaction of sitting there on the 1st of the month with your mouse hovering over the submit button just relishing the fact that you are another step closer to your money!!

    BC

    Big Col
    RBS LBA 20/06/06. WON - 21/10/06
    MBNA(1)-Start-20/06/06, Claim-250, 15/8 - Winner!!
    MBNA Virgin(2)-Start-20/06/06, Claim 100, 15/8 - Winner!!
    BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06
    Green On!
    If the post/advice helps, pse click on the scales!!
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