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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    Me Vs RBOS - The ball is rolling

    OK, so after reading and getting advice from other forum members, I went into the bank yesterday and handed over the DP form requesting full details of charges over the past 5 years. They are charging me 20 as I have 2 accounts...Is that right? They will debit the amount from ny account.
    This morning, a letter arrived (1st class) which was partially hand-written, not dated and did not have a post office frank over the top of the envelope. The letter said they wrote to me to arrange a banking "review" recently as they feel it could have been of great benefit to me...etc...etc. If I would like to make an appointment please call. The thing is, I never received that letter in the first place.
    Just a coincidence???? Has anyone else received this?
    I'm not sure whether to:
    a) make an appointment
    b) write saying that I will do a review once current "enquiries" are resolved
    c) Ignore it

    Any advice will be great.


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    Default Re: Me Vs RBOS - The ball is rolling

    that letter is a new one on me, but in regards to the 20 pound fee, thats wrong, i have 2 accounts with the RBOS and i got both details for one 10 pound payment.


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    Default Re: Me Vs RBOS - The ball is rolling

    Yeh they must only charge you 10 as it is a personal "subject" request you being the subject not the individual accounts. I think i have heard about this account review thing before, this is something Natwest do as well. Its up to you really but personally i feel from other threads people aren't attending these meetings as the account is in disputeicon and don't feel they should attend until the dispute is over and some people have written back saying that any diologue should be entered in writting and not in person.

    George Loveless - We raise the watchword, liberty. We will, we will, we will be free!"

    My advice is only my opinion, I am not a legal expert.

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    Arrow Re: Me Vs RBOS - The ball is rolling

    Ok, so I think I'll write to RBOS thanking them for their invitation for a "review" I will however decline in the short term, pending ongoing enquiries etc etc.

    Probably a good idea to do this in writing instead of calling. Must admit, cant wait to see my statements so I can calculate how much I have paid over the past 5 years. I reckon it will be scary!!!


  5. #5
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    Question Re: Me Vs RBOS - The ball is rolling

    Do I understand this right???
    When informally asking for my money back - I ask for full amount (c3k)
    AT lbaicon - Seek only 750 including interest and costs
    At Legal - same as lbaicon

    or
    Do I stay with the full amount for the LBA?

    Thanks

    JB:?


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    Default Re: Me Vs RBOS - The ball is rolling

    Maybe its just a coincidence, but just went onto digital banking and it will let me see current balances, but nothing else......no history, no transfer facility. Strange.

    Also, I live in scotland and my bank (RBOS) is in Scotland. Can I still claim in England? Any advice would be great.


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    Lightbulb Scottish account, but claiming in England?

    So to clarify.......I live in Scotland, my account/ branch is in Scotland. I can however send my prelim/ lbaicon to an english branch of RBS and claim 6 yearsicon back through money claim, using a friend/ relative's address which is in England/ Wales???? Is my understanding right?


    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)

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    Default Impatient, even though at early stages.

    Noticed that SARicon fee had not been debited from my account so called local branch to check progress. I was told that the enquiry had been forwarded to their office in Gogarburn (???). Will hopefully get a call back today.

    Does anyone know the answer to my question on which courts you can use, ie English/ Scottish?

    JB

    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)

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    Default Re: Me Vs RBOS - The ball is rolling

    Im not entirely sure on that one either, but I think because you live in Scotland and your bank has a registered address in Scotland you will need to claim through the Scottish courts as they have juridstiction.

    The Review thing is a waste of time, they usually do it if your going overdrawn a lot or something, you go to the review and they basically try and sell you a loan.

    As for your earlier questions, When writing to the bank you claim back the whole amount, giving them a list of all the charges and dates they were taken (that includes the lbaicon).

    At the legal / court stage you will need to split your claim up into 750 chunks.
    So you would file one claim for "Charges - December 2001 - March 2003" etc etc.
    You'll have to file like 4 claims to cover the whole amount, but you'll get any fee's you have to pay back when your claim is settled.

    01/08/06- Royal Bank of Scotland - S.A.R sent
    24/08/06- Royal Bank of Scotland - Statements Received
    31/08/06- Royal Bank of Scotland - 1st Request sent
    13/09/06- Royal Bank of Scotland - LBA sent
    23/09/06- Royal Bank of Scotland - Offer received 1544 (Thanks but no thanks)
    02/10/06- Royal Bank of Scotland - *WON* Full settlement

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    Question Re: Me Vs RBOS - The ball is rolling

    Its now 3 weeks since I handed in my SARicon at the branch. Still not a peep. Should I give them more time or send them a little "reminder" that the clock is ticking? Is anyone else getting a quicker response to RBOS SAR

    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

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    Default Re: Me Vs RBOS - The ball is rolling

    Give them a call and ask them what the progress is.
    I got mine in about 3 weeks.

    01/08/06- Royal Bank of Scotland - S.A.R sent
    24/08/06- Royal Bank of Scotland - Statements Received
    31/08/06- Royal Bank of Scotland - 1st Request sent
    13/09/06- Royal Bank of Scotland - LBA sent
    23/09/06- Royal Bank of Scotland - Offer received 1544 (Thanks but no thanks)
    02/10/06- Royal Bank of Scotland - *WON* Full settlement

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  12. #12
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    Default Re: Me Vs RBOS - The ball is rolling

    OK, nearly 4 weeks and no response to S.A.R - (Subject access requesticon). I know they've got another 2 weeks, but I thought I would send them a little nudge.

    Royal Bank of Scotlandicon
    27 September 2006




    Data Protection Act 1998




    Subject Access Request


    Dear Sir/Madam

    ACCOUNT NUMBERS: xxxxxxxx and xxxxxxxx (sort code 83-25-45)

    I handed in the above request at my local branch on Friday 1 September 2006. At that time, I gave 40 days notice to reply and, whilst that time has not yet expired, I have heard/ seen nothing. I trust that this matter is in hand and is being dealt with at the moment.
    The latest date for receipt of this information is 11 October 2006 and I thought I should write a brief reminder to ensure that this matter is processed in a timely manner, and to avoid any breach of your obligations under the Data Protection Act.
    I look forward to hearing from you in early course

    Yours faithfully,



    Me

    sent to branch and Gogarburn. Ever get the feeling that this is going to be strung out as long as humanly possible?

    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

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  13. #13
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    Default Re: Me Vs RBOS - The ball is rolling

    zzzzzzzzzzzzzzz still nothing ( I know I am impatient). Still, while waiting I have been wondering about the interest rate and whether to go after contractual interest and notify the bank at Prelim stage . I noticed one or two people getting contractual rate. Note that I am being greedy, but 20 odd % does sound tastier than 8%; no?;-)

    Any advice would be loverly. Ta.

    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)

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    Default Re: Me Vs RBOS - The ball is rolling

    I too have been considerin the higher interest rate! Afterall if they can charge us, for example for being over our overdraft limit that they caused through charges, Why shouldn`t I have the extra contractual interest. They gave me undue stress I recieve extra interest as an apology for said stress.

    Still I am not fully read up on the contractual interest situation as yet so have not formlly made a decision, but gosh it sounds like the right thing to do!!


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    Default Re: Me Vs RBOS - The ball is rolling

    Got the statements through this morning and will get to work with the highlighter when I get home tonight. It will be interesting to see how much has been taken off me in the last 5 years (sounds sad, but I hope its a lot! - could do with the dosh for Christmas):grin:

    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

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  16. #16
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    Default Re: Me Vs RBOS - The ball is rolling

    Not as much as I hoped for, but still just north of 2K. Hope it gets as far as court stage as I will then get about another 400!!!

    Anyway, Prelim off recorded delivery today, sent to Retail Regulatory Risk division. Shame they are not based in Glasgow, as their initials would then be GRRR! (which is exactly how I feel)

    Oh well, 14 more days of fun till the next deadline!

    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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    Default Re: Me Vs RBOS - The ball is rolling

    What address did you send your Prelim to? I have searched this site and there seems to be a few different addresses, also some people sending to thier branch???
    Thanks
    A
    x


  18. #18
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    Default Re: Me Vs RBOS - The ball is rolling

    Retail Regulatoty Risk
    Business House B
    PO Box 1000
    Edinburgh
    EH12 1HQ

    attention of Joyce Tudor.

    Hope this helps

    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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  19. #19
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    Default Re: Me Vs RBOS - The ball is rolling

    Thanks!

    Will let you know how I get on!!!

    I might send a copy to the branch also just to let them know I'm kicking their a**!
    Alison


  20. #20
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    Default Re: Me Vs RBOS - The ball is rolling

    There is another address:-

    Royal Bank of Scotlandicon
    Senior Customer Relations Manager
    Freepost
    PO box 1727
    Edinburgh
    EH12 9JN

    Anyone sent it here? Or should I send it to both??? Am so confused where to send this letter!

    Alison



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