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.


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

    Default The ball has started to roll....

    I have sent off the initial request for bank statements etc. Will let you know how this moves forward.

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  2. #2

    Thumbs up Re: The ball has started to roll....

    good luck. make sure and follow thru as long as it takes!

  3. #3

    Default Re: The ball has started to roll....

    Will do!

  4. #4

    Default Re: The ball has started to roll....


    Well, I received a large envelope with 6 yearsicon worth OF statements. RBSicon 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"

    What shall I do now?

  5. #5

    Default Re: The ball has started to roll....

    use one of the templates on here to say that you will be taking them to court if they refuse. Make sure you are prepared to follow through. Good luck!

    (Yes I work for a bank but am here to help! Please be nice to me! )

  6. #6

    Default Re: The ball has started to roll....

    On Friday I went to my local Sheriff Court and served a summons on my local bank. I will let you know what happens from here.


    Big Yin

  7. #7

    Default Re: The ball has started to roll....

    My wife is also claiming back money from the same bank but she was offered 90 and I was offered 0.

    I have a preliminary date set for August. I cannot wait to take on the bank!

  8. #8

    Default Re: The ball has started to roll....

    Good luck! Keep us posted.

    NatWest - Settled in full 22/05/06

    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!!!!!!!!!

  9. #9

    Default Re: The ball has started to roll....

    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?

  10. #10

    Default Re: The ball has started to roll....

    I forgot to say that I was contacted by a RBSicon 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.


    Big Yin

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