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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Thread: Bring It On!!!

  1. #1
    Basic Account Holder
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    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jul 2006

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    Default Bring It On!!!

    Hi

    Just about to take on RBSicon for bank charges applied to my account over the past three years. Up until this point I have been a satisfied customer (since 1988) and have recommended RBS to anyone that asked my advice.

    I understand that in most cases where people get into difficult positions all banks act in the same/similar manner - as this is how they make most of their money, off the people who are financially destitute or struggling.

    I have been going through a difficult time and have a number of credit cards that are maxed out - in communicatig with all of my creditors I have found most of them to be more responsive and eager to reach a resolution. The bank that I have had the longest relationship stopped being 'helpful' when I refused their offers of loans - indeed they became very aggressive in the manner that they handled my current account.

    I have more or less cut off my financial relationship with them, but (possibly out of spite and vindictiveness) am extremely motivated to ensure that I get back money that have unfairly charged to my account.

    The unpaid DDicon charges only started last month and all future DD's have been cancelled. However I have been regularly charged a 28 monthly maintenance charge for going over my OD limit (this is on top of the service charge which I pay to have a Royalties account) and have a number (approx 20-25, still collating) of instances where they have charged me for 'referral fees'.

    Once my intial letter is prepared I will let you know how I get on.

    BigDaddy

    DONT GET MAD, GET EVEN

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  2. #2
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jul 2006

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    Default Re: Bring It On!!!

    Just worked total charges applied to my account over the last three years = 2200+. I am about to start composing my letter being realistic that this is likely to take 3-4 months to get going.


  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 : Jun 2006

    Posts
    102

    Default Re: Bring It On!!!

    good for you bigdaddy, I was surprised how quickly all went by ..... and I file my claim in court today .....

    sometimes it gets scary, but a visit on here and a deep breath and everything becomes calm again

    keep us posted on your progress

    T

    I will not be held liable for any advice/comments given... if in any doubt please consult professional advice.

    HBOS Acc1 - Small Claim Filed 31/07/06 - WON -21/8/06 - MCOL -06/09/06 - WON 13/09/06

    HBOS acc2 -Small Claim Filed 02/08/06 - WON 13/09/06 - Round 2 Prelim Letter sent 14/09.06 - LBA sent 27/09/06 - MCOL 16/10/06

    HBOS acc3 Prelim Letter sent 14/09/06 - LBA sent 27/09/06 - MCOL 16/10/06
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