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 Chezzie Novitiate



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    Default Chezzie vs RBS

    Hi,

    HELP!! I'm new to this so please excuse my ignorance if I am asking stupid questions. I, like everyone else here have been charged criminal amounts by RBSicon over the years and I want my money back!

    I have almost all of my statements for the last 6 yearsicon apart for the first 6 months of 2001. I was originally just going to claim from Jan 2002 and forget 2001 but having read some of the comments here I am thinking I should get the statements from the bank before completing my calculations, would you agree?

    Can I also ask if anyone can clarify a couple of other things:

    Presumably you can only re-claim overdraft interest that was charged while you were still within your agreed overdraft limit?

    Can you only reclaim charges made for rejected direct debits if the charge was more than the actual direct debiticon itself?

    On some of my statements I have a monthly fee which is obviously just for the pleasure of me keeping my money in their bank + overdraft interest. But I also have a maintenance charge of 28.00 + a returned direct debit charge of 38.00 on top. Can I reclaim the maintenance charge and the direct debit charge?

    Again, apologies if I am asking too many stupid questions but want to be absolutely sure of what I am doing before I go in guns blazing!!

    Many thanks in anticipation of any help I can get.





  2. #2
    BlueRuby
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    Default Re: Chezzie vs RBS

    [quote=Chezzie]
    I have almost all of my statements for the last 6 yearsicon apart for the first 6 months of 2001. I was originally just going to claim from Jan 2002 and forget 2001 but having read some of the comments here I am thinking I should get the statements from the bank before completing my calculations, would you agree?


    Yes, I think you should get all your statements back to when the account was opened!

    Presumably you can only re-claim overdraft interest that was charged while you were still within your agreed overdraft limit?
    I'm not sure what you mean by this but I would do the spreadsheet and claim the overdraft interest. The spreadsheet will do it for you!

    Can you only reclaim charges made for rejected direct debits if the charge was more than the actual direct debiticon itself?
    No, no, no, you are way too nice! Just reclaim the charges - they are all unlawful!

    On some of my statements I have a monthly fee which is obviously just for the pleasure of me keeping my money in their bank + overdraft interest. But I also have a maintenance charge of 28.00 + a returned direct debit charge of 38.00 on top. Can I reclaim the maintenance charge and the direct debit charge?
    If you have a Royalties account you cannot claim back the fee for that. But you certainly can claim back the maintenance charge and returned DDicon charge!

    Keep us posted and good luck, not that you'll need it. If you need any more help just ask



  3. #3
    Site Team The Consumer Action Group MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative



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    Default Re: Chezzie vs RBS

    good answers

    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.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  4. #4
    Basic Account Holder Chezzie Novitiate



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    Default Re: Chezzie vs RBS

    Thanks for your help guys.
    I only need 6 months worth of statements as I've got all the rest so can I just change the letter provided in the libraryicon but change it a wee bit to request the dates I am missing or would I be just as well getting the whole 6 yearsicon worth? (actually, ignore that question, it's the same cost no matter how many years I'm asking for isnt it)

    No doubt I'll be back soon asking more daft questions!!

    Chezzie

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  5. #5
    Site Team The Consumer Action Group MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative



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    Default Re: Chezzie vs RBS

    Quote Originally Posted by Chezzie
    Thanks for your help guys.
    I only need 6 months worth of statements as I've got all the rest so can I just change the letter provided in the libraryicon but change it a wee bit to request the dates I am missing or would I be just as well getting the whole 6 yearsicon worth? (actually, ignore that question, it's the same cost no matter how many years I'm asking for isnt it)

    No doubt I'll be back soon asking more daft questions!!

    Chezzie
    Not relly daft questions.........but the answers are here either in the Faqs or within other posters threads !!



    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.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  6. #6
    Basic Account Holder Chezzie Novitiate



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    Default Re: Chezzie vs RBS

    Help ma boab!

    Sent initial letter requesting 3013.88 taken from my account in charges over the last 6 yearsicon be refunded to me.

    Have returned from hols to find a letter (obviously same letter as some of you guys have received) from bank stating the same stuff "we do not accept the OFT's findings blah, blah, blah so you aint getting no money!"

    I was a bit hesitant to proceed but having read some of the other threads from people who had received the same letter I'm trying to pluck up the courage to keep going (although concerned about court costs), any words of encouragement?


  7. #7
    Basic Account Holder weej Novitiate weej's Avatar



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    Default Re: Chezzie vs RBS

    You want words of encouragement?????

    THEY HAVE GOT YOUR MONEY. And the law says you are entitled to it back.

    end of.



    GERRINTAE THEM!

    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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  8. #8
    Site Team The Consumer Action Group MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative



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    Default Re: Chezzie vs RBS

    Straight to the point
    but absolutely spot on !!

    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.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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