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
    Basic Account Holder dib182 Novitiate



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    Default stung by rbs

    Hi,
    Im knew here, I saw this advertised on Tv and decided after more than a year to finally do something about it. I got my hours cut at work xmas before last and as a result my income went down. I did the right thing and told the bank that there may be a problem after the xmas as I had less income, this they acknowledged and did nothing about. Come the February my father died and left me some money but obviously I had to wait for the probateicon to be sorted. I told the bank and showed them the will that stated I had a half share of his property. I had received a lot of charges the week earlier and asked them if they could extend my overdraft for 2 weeks as I had several thousand coming to me earlier than first thought. They refused and said they would give me a loan to pay off my overdraft of 1000 and I would then be in credit by 10. All the time they were bouncing direct debits and charging me. I eventually had to agree and they for some reason cancelled my cheque card that I hadn't been using and handed my account over to an account manager in Manchester. Two weeks later I paid off my 20,000 loan and put a further 10,000 into my account yet I only got my card back 3 weeks ago. In 3 weeks I accrued just over 1000 in charges and I would imagine my credit rating went down the toilet as well. Now its payback time.
    I am just about to send my Data Protection Act letter to the registered address in edinburgh, dont know if its the right one but it came up on the search link.

    -------------------------------------------------
    Sent Data Protection Act to rbos registered office, awaiting return 05/08/06 ;-)
    Just received my statements, stage 2 now 31/08/06
    First letter going out today asking for my money and loan amount back 1,731.00 charges 1,893.54 loan 02/09/06
    No reply to my first letter, now posting next one. 19/09/06
    Received very polite letter 20 days after first letter sent saying NO-WAY 22/09/06
    On-line court proceedings started 04/10/06
    Received acknowledgement of service to defend full claim 19/10/06
    Received a copy of defence, been reffered to my local court 08/11/06
    First offer made 1050.00, deadline ran out before receiving offer oops. 02/12/06
    Received updated defence 20/12/06

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  2. #2
    BlueRuby
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    Default Re: stung by rbs

    Whenever I read a story like yours and hear what complete wunches the banks are it makes me so angry. They don't care about us, they don't care if we struggle, they don't care if we go under, they just keep charging us. Go get your charges back and the interest and your costs. I keep thinking we should be able to claim compensation as well but I don't know how we'd go about it. Keep us posted. BTW I think you can add the loan to your claim. You said they pretty well forced you to take it out to cover your charges. Somebody on here got their charges back plus the loan they took out to pay them - I think it was Lloyds but unfortunately I can't remember the title of the thread! I just remember it came to about 17,000 Sorry not to be more help. Maybe someone else can remember:-|


  3. #3
    Basic Account Holder dib182 Novitiate



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    Default Re: stung by rbs

    thanks for that, to be honest I never thought of the loan


  4. #4
    BlueRuby
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  5. #5
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    Default Re: stung by rbs

    My first thought would be "stuff the B****s" I'd move my money elsewhere then go for the jugular in a big way


    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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  6. #6
    Basic Account Holder HadEnough Novitiate HadEnough's Avatar



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    Default Re: stung by rbs

    There is a way you can get a form of "compensation". Charge them the contractual interest! Have a read of these Why is no one claiming the contractual rate of interest???. A New Way of Looking at Interest

    Rbs 114 + contractual at 29.84% I won total=125 no laughing it's a win
    Don't moan about it DO SOMETHING ABOUT IT
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  7. #7
    Basic Account Holder dib182 Novitiate



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    Default Re: stung by rbs

    Quote Originally Posted by HadEnough
    There is a way you can get a form of "compensation". Charge them the contractual interest! Have a read of these Why is no one claiming the contractual rate of interest???. A New Way of Looking at Interest

    Ill be going for the higher rate, defo.


  8. #8
    Basic Account Holder dib182 Novitiate



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    Default Re: stung by rbs

    I sent the original 2 letters to the head office in edinburgh, not to my local branch. Went on line to fill out the court forms and you cant sue someone in scotland with the on line version for some reason, so I sent it to my local branch on the theory that they wont deal with it but send it on to the head office anyway. Will be interesting to see what happens here, it might of caused problems on what was originally a straight forward case. We will see. Nothing to lose, got no money to pay their costs anyway , but on the other hand I could win a few grand back from them


  9. #9
    Basic Account Holder dib182 Novitiate



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    Default Re: stung by rbs

    received a lettericon from the northampton court today saying the RBSicon intent to defend the claim in full. They now have their 28 days to submit their defence. The response pack has come from Cobbetts LLP, king street, Manchester. and signed by a Lynsey Burgoyne, position of solicitor. Anyone had dealings with these people yet ?


  10. #10
    Basic Account Holder weej Novitiate weej's Avatar



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    Default Re: stung by rbs

    Not personally, but I have seen LB's name come up loads of times on this forum. In fact, she's nearly as famous as Tommy McLean.

    Fret not.. your money is coming!

    J

    1/9/06 RBS claim #1
    8/11/06 - claim settled
    17/11 claim #2 started - incl creditcard
    30/11 - CC statements received
    31/11 - Prelims issued - RBS paying up, only M/C to go)

    If any of my advice/ info has been helpful, please click the scales

    Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional
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  11. #11
    Basic Account Holder dib182 Novitiate



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    Default Re: stung by rbs

    Yes looking through some threads I see what you mean, she is fairly popular. I posted my court papers via the internet and so the case would be heard in Northampton. Going on the theory that it is to far for them to bother going to defend a couple of grand. Long way for me to I am in merseyside


  12. #12
    Basic Account Holder mark.wall Novitiate



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    Default Re: stung by rbs

    I am also dealing with Cobbetts and have recieved their defence papers with an attached questionaire. I am stuggling to understand the legalese. They seem to be saying that they want me to show were they have broken the contract with them by showing the contract between RBOS and me. I do not have that ... from years ago. I am wondering what I show do. Any suggestions?

    See my post under my thread for full drtails.

    Mark
    RBS -
    20/7 First letter 27/7 reply rcd nil offer
    4/8 LBA No reply
    15/9 Mony claim lodged 28/9 Recieved Notice of defence

    18/9 (last possible day) defence entered by Cobbets
    19/9 Defence bundle and CPR 18 recieved from Cobbets
    20/9 Allocation papers recieved
    20/98 recived notice of transfer to local court
    21/9 replied to Cobbets
    21/9 Completed AQ Due back 6/11
    10/11 recived offer of 1300.00 - replied no thanks.
    17/11 Allocated to Small Claims Track - Hearing 16/03/07


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  13. #13
    DNA DNA is offline
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    Default Re: stung by rbs

    Quote Originally Posted by dib182
    Yes looking through some threads I see what you mean, she is fairly popular. I posted my court papers via the internet and so the case would be heard in Northampton. Going on the theory that it is to far for them to bother going to defend a couple of grand. Long way for me to I am in merseyside
    The MCOL clearing centre is Northampton. When RBSicon file their Defence, the claim will be transferred to your local county courticon according to your post code, so the final hearing won't be in Northampton unless you are in their catchment area.



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