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

  2. #2

    Default Re: **rbs Claimers Please Read**

    Hi, and thanks for that.

    I am highly amused by the
    * Decline letter (commonly called a "sod off")
    comment as this is what I have been calling them for months on this forum. First time ever a bank and I think in the same level, lol.

    Above this figure and it gets declined.
    To which my first reaction is: "Yeah, and?"

    And with all due respect, there is an inherent contradiction between the 350 level of instant refund and the comment that they don't want the bad publicity. It just doesn't equate. :-?

    And finally:

    My brother has heard of 2 cases going to court, one of which RBSicon defended. They always settle
    I would love to get more info about that. Because to my knowledge, that's not true at all. There's only been one case to ever get to court, and that was Natwest.

    The fact that they always settle? Yeah, we know that, lol. Not just them either. I doubt that's going to change any day soon either, especially now the OFT is going to launch an enquiry into bank charges too.

    Thanks all the same. Say hi to your brother from me.


  3. #3

    Default Re: **rbs Claimers Please Read**

    edited

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  4. #4
    NATTIE
    Guest

    Default Re: **rbs Claimers Please Read**

    Bookworm- possibly one of them could be the NW case because part of the same group. The newspaper thingy may well work though.


  5. #5

    Default Re: **rbs Claimers Please Read**

    Good point, yes. To us plebs, they're different entities.

    I just have a problem with the threat of media attention. Not least because I have never known it to work, but also because it still seems a cop-out to me. Just my opinion, don't get me wrong! But I have suffered so much at the hands of those at Natwest that I relish the idea of saying to them, this is my RIGHT, it's MY money, you can give it back or fight, and see them back down. Somehow, a threat of bad publicity still feels like letting them get away with it.
    Like I said, just my gut feeling on it.


  6. #6

    Default Re: **rbs Claimers Please Read**

    Edited

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  7. #7

    Default Re: **rbs Claimers Please Read**

    Quote Originally Posted by telewest
    I'm 100% with you there. Can't wait to begin my case with RBSicon - but have to clear my O/D first as likely they'll default it - and I don't want any bad info on my file.
    Can/would they default you for having an overdraft even though you are disputing money which they owe you and would possibly make up a huge chunk of th o/d?


  8. #8

    Default Re: **rbs Claimers Please Read**

    I have been in contact with several RBSicon people by e mail.
    I have in addition to making a claim for penalty charges,been asking for default removal.
    Today I finally got a reply after 2 letters from them asking for more time.

    They flatly refuse to refund any charges.
    They are unable to issue me with a copy of any default notice they said they sent but did not
    They confirm I disputed the charges with their collections agency after default.
    (as anyone would do )
    They therefore say the default was fairl levied as it was a breach of their terms and conditions.And there is no way they will remove it.
    The 2300.00 penalty charges were fair and reasonable.
    The default of 800 was wholly comprised of penalty charges.

    They tell me if I am not happy now I should contact the F.O.

    They have sent me a bank Ombudsmanicon booklet ....to go with the other 20 I have got.

    The letter ends by saying I may treat the letter as a final responseicon.

    therefore paving the way for court.

    I am a little mystified as to why there does not seem info of completed claims tho reading the posts above maybe they are doing a Barclays too ?

    Have a happy and prosperous 2013 by avoiiding Payday loans. 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.
    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.






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  9. #9

    Default Re: **rbs Claimers Please Read**

    Martin3030 - please dont hijack threads. Start one up in the RBSicon forum.

    Kflemi16 - if only my OD was predominantly charges ;P sadly it isnt!!


  10. #10

    Default Re: **rbs Claimers Please Read**

    Apart from my recent claim against RBSicon,at the start of this year i phoned my local branch asking for a 40 quid charge to be refunded,after lots of phone callsicon i told my branch that I had been in touch with the Financial Times and they were very interested to see the outcome.When the teller asked me to repeat who id spoken to,she left me on the phone for a few minutes,came back and said my charge had be refunded!And all because i called their bluff and mentioned the press......try it ,it does work!Goodluck


  11. #11

    Default Re: **rbs Claimers Please Read**

    Quote Originally Posted by telewest
    Martin3030 - please dont hijack threads. Start one up in the RBSicon forum.

    Kflemi16 - if only my OD was predominantly charges ;P sadly it isnt!!

    I have one in the Rbs forums thank you very much.

    Though dont know why you are telling me now........24 days after the post


    Have a happy and prosperous 2013 by avoiiding Payday loans. 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.
    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.






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  12. #12

    Default Re: **rbs Claimers Please Read**

    And incidentally there nothing in my posts which are not in the same vein as the discussion you started yourself.

    Have a happy and prosperous 2013 by avoiiding Payday loans. 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.
    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.






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  13. #13

    Default Re: **rbs Claimers Please Read**

    edited

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  14. #14

    Default Re: **rbs Claimers Please Read**

    Yes well I will remember this in future.........you can certainly be assured of that.

    Have a happy and prosperous 2013 by avoiiding Payday loans. 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.
    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.






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  15. #15

    Wink Re: **rbs Claimers Please Read**

    I meant no ill-will Martin, regardless of the fact your post is oozing with sarcasm I will reply no further to this thread other than to retort that thread hijacking is discouraged for a reason, and I merely politely asked, please included, that you refrained from hijacking.

    Have a good day, no ill-will meant - Ive got enough enemies


  16. #16
    NATTIE
    Guest

    Default Re: **rbs Claimers Please Read**

    Telewest- personally, your first post is one which I think is very important re NW(part of RBSicon Group) as well because of the inside info that was posted. Is it possible to also put both your first part and the bit about bluff on the Bank Workers part of the forum, I think more people may view it more. If you have more insider info would also be useful on that part of site.
    On the FT thing did you mention any names or was is just a "someone" who would be interested.


  17. #17

    Default Re: **rbs Claimers Please Read**

    edited

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  18. #18
    NATTIE
    Guest

    Default Re: **rbs Claimers Please Read**

    telewest
    When you got the refund from the bank threatening that someone from the Financial Times would be interested, did you name drop or did you mention a specific name?

    Ditto!

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  19. #19
    NATTIE
    Guest

    Default Re: **rbs Claimers Please Read**

    Just re read the thread and realised that you hadn't posted that bit and was posted as a reply to your thread......oops, I'll have to get my eyes tested!


  20. #20

    Default Re: **rbs Claimers Please Read**

    Bloody Natwest staff ;P they're all the same !


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