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 Seawall vs RBOS

    I previously posted a few messages under 'Here I go'. To recap, I have sent off my DPA request to the bank. the bank have coincidentally handed the account to Intrum Justicia.

    I have attempted to open another current account over the last few months, with the Abbeyicon (with whom I have had a savings account for over 20 years) and with the Nationwideicon. Both declined me. Does anyone have any any suggestions as to any bank who would at least offer some sort of basic account?

    I am having to operate on the savings account using Counter Cheques, and this involves a 25 mile round trip each time I need to do it.

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  2. #2
    Basic Account Holder seawall Novitiate



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    Default Re: Seawall vs RBOS

    Early days yet, obviously, so I have not had a reply to my DPA letter yet. I think that the RBSicon has issued a default notice against me over my account as well, but that can be dealt with in due course.

    Someone from Intrum Justicia rang me at work today, so I told him that I was looking into the charges that had been levied on my account. he asked me to put something in writing. I sent them this...

    Dear Sirs

    Following the telephone conversation with one of your representatives today, please note the following:

    I am currently assessing whether there are recoverable charges on my account with the abovementioned bank. Should this prove to be the case, they will be given the opportunity to refund me accordingly.

    This being the case, I will not be entertaining any further communication with your company, and I suggest that you refer the matter back to the Royal Bank of Scotlandicon.

    I think that this does the job with them. Any comments or adivice, as usual, appreciated


  3. #3
    BlueRuby
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    Default Re: Seawall vs RBOS

    [quote=seawall]Does anyone have any any suggestions as to any bank who would at least offer some sort of basic account? quote]

    Have you tried Natwesticon? They do a Step Account (basic).


  4. #4
    Basic Account Holder seawall Novitiate



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    Default Re: Seawall vs RBOS

    Staggeringly, the bank statements arrived in the post today, only 8 days after I posted the DPA letter. However, pages 1-13 are missing, although at present they are not pertinent, dating from 1999 or before. Busy with the highlighter tomorrow....


  5. #5
    Basic Account Holder seawall Novitiate



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    Default Re: Seawall vs RBOS

    Pages 2-13 of my statements arrived today under in a separate package. Odd. Doing the calculations now.


  6. #6
    Basic Account Holder seawall Novitiate



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    Default Re: Seawall vs RBOS

    A couple of questions for anyone else tackling RBoS. Maintenance charges on Royalties accounts, do you think that they can be counted in? In sure that Referral charges certainly apply. What is your view?


  7. #7
    Basic Account Holder seawall Novitiate



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    Default Re: Seawall vs RBOS

    Preliminary letter has now been sent to the bank, suggesting that they owe me 2646 and change. Awaiting their reply.


  8. #8
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    Default Re: Seawall vs RBOS

    Hi seawall

    reply to post 6

    RBoS bank charges

    royalties gold account service charge
    was 9 then 10 now 12

    YOU CAN'T CLAIM THESE

    the account overlimit charge is sometimes mixed in with these
    was 15 then 20 now 28

    so if the account charge in the early days was 24
    this will be 9+15
    or account charge 30....10 + 20
    or account charge 40....12 + 28

    Only claim the "excess" (15,20,28 )

    you can also claim (obviously) referal charges 30 and DDicon refusals 38
    these are the latest charges, other older ones will be noted on your statements.

    rgds

    Dave

    ** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

    see you stand like greyhounds in the slips,
    Straining upon the start. The game's afoot:
    Follow your spirit; and, upon this charge
    Cry 'God for Harry! England and Saint George!'

    If you think I have helped, informed, or amused you do the clickey scaley thing !!
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  9. #9
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    Default Re: Seawall vs RBOS

    Thanks Davefirewalker, this was what I thought based on a previous posting of yours on another thread. My prelim letter to them has reflected these charges, although if it actually gets as far as court action (probably!) I will also have to calculate the excess interest that all of their charges incurred on the account.

    I seem to be having two separate correspondences with RBoS now. This claim, and rather belatedly Credit Management Services who seem to have taken an interest in actually corresponding with me, but this is certainly coincidental.

    They have also set Intrum Justicia on to me, and they in turn have let Geoffrey Parker Bourne solicitors loose.


  10. #10
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    Default Re: Seawall vs RBOS

    oh my god......

    if the account is in disputeicon... as it is,.... tell them to go away until the court action has finalised.

    then you can work out a strategy

    good luck

    Dave

    ** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

    see you stand like greyhounds in the slips,
    Straining upon the start. The game's afoot:
    Follow your spirit; and, upon this charge
    Cry 'God for Harry! England and Saint George!'

    If you think I have helped, informed, or amused you do the clickey scaley thing !!
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  11. #11
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    Default Re: Seawall vs RBOS

    Thanks once again. I will write to the solicitors in question telling them that. My Prelim letter has been referred to Credit Management services as well, who have then passed it on to Customer Relations.

    I think I know roughly what to expect next....


  12. #12
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    Default Re: Seawall vs RBOS

    Does anyone on the board have copies of RBoS charges from 2000 to the present? Davefirewalker kindly provided some info on these, with which I concur, but I will give you my service charge advice from Dec.2004 as a case in point.

    Maintenance charge 28.00 (probably 18.00 claimable)
    Plus a fee of 15.00 (what's this?)

    Service charge to be applied 43.00

    The of course the is the overdraft interest on top of this, and by then it could be argued that my overdraft was entirely comprised of previously levied unlawful charges....

    If this has been dealt with in another thread could you kindly direct me to it. I have reached the point where a lbaicon is due, and I want this to be as accurate as possible now. thanks for reading this.

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  13. #13
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    Default Re: Seawall vs RBOS

    Sent lbaicon on 29/08 by recorded delivery. Reply to prelim. letter had indicated that I would receive a reply within 10 days, but I'm trying to stick to my schedule now, not theirs.

    Intrum Justicia's solicitors seem to have beaten a retreat now, their reply suggesting that at present they 'are not being instructed'...

    Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived
    LBA sent 29/8/06 2646.64 claimed - no reply
    Claim entered 26/09/06 2716 + interest. Not acknowledged so Judgment requested 17/10/06
    Judgment in default 28/10/06
    Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...
    GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06
    LBAs on 2 accounts sent 5/11/2006

    2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...

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  14. #14
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    Default Re: Seawall vs RBOS

    It looks as though my lbaicon got held up due to the unofficial postal strike in this area. I guess that I will have tp play fair, and start the clock ticking from when the recorded delivery actually gets to them.

    Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived
    LBA sent 29/8/06 2646.64 claimed - no reply
    Claim entered 26/09/06 2716 + interest. Not acknowledged so Judgment requested 17/10/06
    Judgment in default 28/10/06
    Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...
    GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06
    LBAs on 2 accounts sent 5/11/2006

    2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...

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  15. #15
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    Default Re: Seawall vs RBOS

    Hi seawall

    with regard to post 12 the 15 looks like an "overlimit" charge, difficult to be sure without seeing the statements, I'd claim it anyway.

    Ive just had an offer from tommy straight in at 3.5k from a claim of 5k +1.2k interest I have of course refused this. It looks like they are now caving in all over the place

    Dave

    ** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

    see you stand like greyhounds in the slips,
    Straining upon the start. The game's afoot:
    Follow your spirit; and, upon this charge
    Cry 'God for Harry! England and Saint George!'

    If you think I have helped, informed, or amused you do the clickey scaley thing !!
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  16. #16
    Basic Account Holder seawall Novitiate



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    Default Re: Seawall vs RBOS

    Thanks again Dave. I wish I had held on to the leaflets detailing charges that they used to inundate me with, but this mob have literally reduced me to tears over the years and I threw away lots of stuff before I came across this site. I got to the stage where I could not open envelopes from the RBoS, how sad is that?

    I presume that I will still have a couple of weeks before the inevitable claim has to go in. If I cannot absolutely nail these few debatable charges I will leave them out, with a view to claiming again at a later date. Like a few others on here I also have charges that are more than six years old, and I will certainly consider going after those as well.

    Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived
    LBA sent 29/8/06 2646.64 claimed - no reply
    Claim entered 26/09/06 2716 + interest. Not acknowledged so Judgment requested 17/10/06
    Judgment in default 28/10/06
    Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...
    GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06
    LBAs on 2 accounts sent 5/11/2006

    2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...

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  17. #17
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    Default Re: Seawall vs RBOS

    Ive been at the hiding from envelopes stage too ( a few times ), but this site has given me the confidence to take almost anything on. I cant wait for the mail to come now......

    I wonder how long it will be before I get my full payout ? my missus has spent it already

    Dave

    ** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

    see you stand like greyhounds in the slips,
    Straining upon the start. The game's afoot:
    Follow your spirit; and, upon this charge
    Cry 'God for Harry! England and Saint George!'

    If you think I have helped, informed, or amused you do the clickey scaley thing !!
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  18. #18
    Basic Account Holder seawall Novitiate



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    Default Re: Seawall vs RBOS

    Am now the proud recipient of a Tommy McLean 'on yer bike' letter, this presumably in response to my prelim. They took so long in answering that - not helped by the postal strike in the West Country - that I have already sent off my lbaicon.

    Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived
    LBA sent 29/8/06 2646.64 claimed - no reply
    Claim entered 26/09/06 2716 + interest. Not acknowledged so Judgment requested 17/10/06
    Judgment in default 28/10/06
    Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...
    GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06
    LBAs on 2 accounts sent 5/11/2006

    2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...

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  19. #19
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    Default Re: Seawall vs RBOS

    Further complication now - as of 8th September the bloody Post Office had still not delivered my lbaicon, sent 1st class recorded delivery. Queried this on the phone and was airily dismissedicon with 'ring back next week, we allow up to 15 days for delivery'. It would have been quicker to have got sponsorship and walked up there to deliver it personally. Will probably send off a copy of the LBAwith a covering letter on Monday, unless anyone suggests otherwise

    Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived
    LBA sent 29/8/06 2646.64 claimed - no reply
    Claim entered 26/09/06 2716 + interest. Not acknowledged so Judgment requested 17/10/06
    Judgment in default 28/10/06
    Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...
    GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06
    LBAs on 2 accounts sent 5/11/2006

    2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...

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  20. #20
    Royalties Account Holder barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad's Avatar



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    Default Re: Seawall vs RBOS

    I would suggest you don't use Recorded Delivery for these kind of letters in future - there really is no need to use it - an ordinary First Class stamp will suffice. And sometimes it causes problems such as this - your letter probably has been delivered but they just can't confirm it which often happens when they are sent to large organisations like this.

    Incidentally, I doubt very much that they said they allow 15 days for delivery - what they probably said was that the letter wouldn't be classed as a 'lost' item until after 15 working days have passed. Big difference.

    Anyway, in summary - don't use Recorded Delivery!

    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
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