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.
Well, I received a large envelope with 6 years worth OF statements. RBS owe me over £1000 in charges. I sent a letter to their Customer Relations Unit in Edinburgh and here's what they had to say:
"Thank you for your letter of **** and I apologise for the dissatisfaction caused by the application of charges to your account.
We believe our charges arefair, reasonable and transparent. We consider that the ammounts debited to your account have been applied strictly in accordance with your agreement with us............The OFT is presently in contact with us and with seven other major credit card companies to discuss teh level of charges on credit cards. It is importnat that I empasise these discussion are limited to charges on credit cards only.
Consequently, against that background, we must differ with teh views expressed in your letter and will not be refeunding any of the charges applied to your bank account"
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!!!!!!!!!
I have a quick question guys. Both my wife and I have the exact same prelim hearing date in August. Is it possible for me to represent my wife as she feels a little uncomfortable standing up and speaking in court?
Reading the post(s) of another forum user I noted that she was asked to prove why she thought the charges were unreasonable. Should I take along the appropriate evidence to the hearing(s) to pre-empt this?
I forgot to say that I was contacted by a RBS lawyer a few weeks back, asking me to resend a copy of the charges. He said that the court did not attach them to the original summons. I told him that I didn't have time to resend it and he would need to contact the court. I didn't want to do his job for him. Do you think this was ok for me to do this?
I cannot wait to have my day in court. It is very exciting and I(we) have nothing to lose.