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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    Default SolidChris vs RBoS

    Hi there, been reading the site on and off for about a month now (damnable heatwave kept me out of the attic where the computer is!).

    Going to send my prelim letter in the morning to my branch - charges of 468 from back in 2003. Lucky i kept all the statements even though i panicked about identity theft!

    Thought i'd best start this thread in order to keep track over the course of the claim. Wish me luck folks!

    Chris.

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    RBS in my sights.

    Prelim sent - 02/08/2006 for 468.83
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  2. #2
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    Default Re: SolidChris vs RBoS

    good luck? why? lol

    OK I GIVE IN

    Halifax 3600 charges, won with C/I 6400

    NatWest S.A.R-05/06/06
    Bug**r all recieved 03/11/06
    Prelim guesimate sent for 3000 03/11/06
    Cr*p one CONNED statements 08/06 ROFLMAO
    Cr*p one charges=976
    con int 34.9% 1,003.75 1,979.75.

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  3. #3
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    Default Re: SolidChris vs RBoS

    Why? Because my faith in banks and their activities is non existent. They really are quite useless.

    Cheers anyhow.

    RBS in my sights.

    Prelim sent - 02/08/2006 for 468.83
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  4. #4
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    Default Re: SolidChris vs RBoS

    he means you wont need luck, as you WILL get your money back.

    It's not the size of the dog in the fight, but rather the size of the fight in the dog..
    MBNA SETTLED IN FULL 216.00
    Preffered Mortgages Ltd MCOL going in for 3.5K
    Nationwide 702.00, SETTLED IN FULL.
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  5. #5
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    Default Re: SolidChris vs RBoS

    Oh I know i will, i'm the dogged type.

    But like i said - i wouldn't trust the fools at RBSicon to add up how many world cups England have won.

    I'll keep y'all abreast of the situation.

    RBS in my sights.

    Prelim sent - 02/08/2006 for 468.83
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  6. #6
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    Default Re: SolidChris vs RBoS

    Alright, 14 days from the initial letter are almost up and i've had zero by the way of a response (typical!). I'll be sending the next letter out in the next day or two - i was just wondering about a couple of stray details.

    Does everyone use recorded delivery? I didn't for the first letter and am slightly worried that they will claim they never received it.

    I sent it to the branch where my current account is held. Searching the FAQ's didn't seem to say anything different and i'm sure an efficient and established financial institute like RBSicon would be able to get the piece of post replied to in 14 days even if it went to the Timbuktoo branch. But i want to be sure this is the right thing to do.

    RBS in my sights.

    Prelim sent - 02/08/2006 for 468.83
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  7. #7
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    Default Re: SolidChris vs RBoS

    Quote Originally Posted by SolidChris
    i'm sure an efficient and established financial institute like RBSicon would be able to get the piece of post replied to in 14 days even if it went to the Timbuktoo branch.
    You think?


  8. #8
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    Default Re: SolidChris vs RBoS

    I mailed both the prelim and lbaicon to my branch, july 24th and august 8th. Heard nothing! I sent this email to tommy mclean, ccing margaret king and carol stickland on Monday:-

    Dear Sir/Madam,

    ACCOUNT NUMBER: xxxxxx Sort Code xxxxxx

    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: missm
    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.
    Please contact me at the above address or by email.
    Thank you,

    MissM


  9. #9
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    Default Re: SolidChris vs RBoS

    The thing that hacks me off is not getting a response. obviously they are unindated but even a standard letter stating we are looking into it blah blah


  10. #10
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    Default Re: SolidChris vs RBoS

    Well well well - the plot thickens like a tepid cream of chicken soup. I need a bit of guidance here.
    I'm fully prepared to go to court with this bad boy as i'm a little more flush than usual right now but after i sent my lbaicon on the 23rd August i've been confronted with this...

    "Blah blah apologies for the non reply to your letter dated 2nd August 2006 this was due to non receipt of the original letter.

    Blah blah our charges are fair, reasonable and transparent (stifle laughter). We are committed to ensuring the transparency of the information that we give to our customers about the operation of our products (keep stifling).

    Against the background, we must differ to the views expressed in your letter (i know, that is their grammatical mess). Accordingly, the charges that have been applied to your account must stand.

    I have unsuccessfully tried to contact you by phone, however if you do wish to contact me please telephone me on xxx. If i do not hear from you within the next two weeks I will assume that this matter has now been closed.

    Thank you again for taking the trouble to write."

    The matter is certainly not closed but as i expressed fears about earlier - they claim not to have received the original letter. Should i go ahead and move to court action or send a final letter giving them one last chance - i'd really like a moderators advice as the 14 days from 23rd August is up on Wednesday and i want to be really pro-active about this. I thought you might like the letter as a bit of a chortle at their own delusion that they have been 'fair' to me.

    I certainly won't be contacting them via phone as i work office hours unlike those lazy types. My half hour lunch is mine and i don't give it lightly.

    Please help!!!

    RBS in my sights.

    Prelim sent - 02/08/2006 for 468.83
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  11. #11
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    Default Re: SolidChris vs RBoS

    get the claim in, stal, stall, stall, they do that bit the best. GL

    It's not the size of the dog in the fight, but rather the size of the fight in the dog..
    MBNA SETTLED IN FULL 216.00
    Preffered Mortgages Ltd MCOL going in for 3.5K
    Nationwide 702.00, SETTLED IN FULL.
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  12. #12
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    Default Re: SolidChris vs RBoS

    Dont give up hope! Tommy McClean has just sent me a letter offering 546...(im actually claiming 956) so,today im sending off my rejection letter....so dont give up hope!Remember to send all letters recorded delivery.


  13. #13
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    Default Re: SolidChris vs RBoS

    Hiya I'd just file the claim thats the standard letter they use to reply to LBAs.

    I stuck to all my deadlines and just received full payment from RBSicon!

    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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  14. #14
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    Default Re: SolidChris vs RBoS

    Right-o, that's tomorrow night sorted then!!!

    RBS in my sights.

    Prelim sent - 02/08/2006 for 468.83
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