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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    Exclamation Can I still claim even though i paid full and final settlements to rbs 4 years ago

    About 4 years ago I was in so much debt and was taken to court by a number of companies mainly RBSicon. I negotiated Full and finalicon settlements with them and they accepted. Can i now make a claim against them for charges even though the account is closed and is left as satisfied on my credit report. Can they open up my account again and claim the money which would still be owed.

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  2. #2
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    Default Re: Can I still claim even though i paid full and final settlements to rbs 4 years ago

    mod's???
    bump

    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

    Default Re: Can I still claim even though i paid full and final settlements to rbs 4 years ago

    that's a sticky one.IMHO I would be inclined to leave well enough alone,especially if you got off with a clean bill of health on the credit history side....you have to weigh up what you gained by short settlements against any charges you may have incurred.

    For instance,I had a GM card for years.I had a balance of over 3K,but there was an insurance policy covering it.I had to medically retire after a long period on the sick.I claimed,and they refused to pay out first time.I wrote to them again,spelling out the full circumstances,and when the next statement came in,the account balance was zero.I wouldn't think of going after GM,because I won hands down that time,as far as I am concerned.....


  4. #4

    Default Re: Can I still claim even though i paid full and final settlements to rbs 4 years ago

    Quote Originally Posted by wizardcompuk
    About 4 years ago I was in so much debt and was taken to court by a number of companies mainly RBSicon. I negotiated Full and finalicon settlements with them and they accepted. Can i now make a claim against them for charges even though the account is closed and is left as satisfied on my credit report. Can they open up my account again and claim the money which would still be owed.
    You have a good case in my opinion as you can claim that at that stage you were unaware that they were unlawful charges.
    Follow the usual procedure.........dpa request first from the bank.
    Besides if they were penalties then the agreement is questionable.

    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.
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