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)


Results 1 to 13 of 13

Thread: RBS Loan

  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    little teacup's Avatar



    Follow Real_CAG on Twitter
    Cagger since : May 2010

    Posts
    231

    Default RBS Loan

    Morning all
    We have a loan with RBSicon and since August last year we have run into severe financial difficulties.
    We have provided RBS everything they have asked for but they ignore it all and are still charging interest and charges to the account.
    Is there anything we can do about the charges as at this rate we are getting nowhere.
    Many thanks
    LT


  2. #2
    Royalties Account Holder



    Follow Real_CAG on Twitter
    Cagger since : Oct 2009

    Posts
    20,461
    Blog Entries
    1

    Default Re: RBS Loan

    Hi little teacup

    So there not helping in any way although you have explained your circumstances?

    On there website they've stated, 'We are here to support you if you are in financial difficulty to help you resolve your situation.'

    http://www.rbs.co.uk/personal/curren...ifficulty.ashx

    See if theres anything on there that you haven't considered, before a written complaint to the CEO, maybe he might help.

    Welcome to Consumer Action Group

    'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'
    Joshua J. Marine

    1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE
    2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE
    3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE
    4) REQUEST CCA FROM CREDITOR CLICK HERE
    5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE
    6) CAREY V HSBC (2009) CLICK HERE
    7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE
    8) IN DEBT DON'T PANIC CLICK HERE
    9) FULL AND FINAL SETTLEMENT CLICK HERE
    10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE
    11) DISTANCE SELLING-EDUCATE YOR RETAILER
    CLICK HERE
    12)
    SOGA SUMMARY CLICK HERE
    13) WHICH? TEMPLATES CLICK HERE
    14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE
    15) EVERYTHING HOUSING CLICK HERE
    16) UTILITY BACKBILLING CLICK HERE
    17) OFGEM - COMPLAINTSCLICK HERE
    18) OFCOM - COMPLAINTS CLICK HERE

    DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

    Don't forget to donate to this site

    Please let us know how your problem has been resolved, it could help fellow Caggers


    Follows
    0
    Following
    0

  3. #3
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    little teacup's Avatar



    Follow Real_CAG on Twitter
    Cagger since : May 2010

    Posts
    231

    Default Re: RBS Loan

    Hi Rebel
    I will have a look at that. On the bottom of their letters it states "our highly trained operatives are here to help". Not in our case!
    LT


  4. #4
    Royalties Account Holder



    Follow Real_CAG on Twitter
    Cagger since : Oct 2009

    Posts
    20,461
    Blog Entries
    1

    Default Re: RBS Loan

    Hi little

    They are trained not to think, helped by machines that can't think. So not a lot of thinking going on, but as soon as your letter lands on the CEO's desk they are forced to think. Don't let it get you down, it will get sorted.

    Quote Originally Posted by little teacup View Post
    Hi Rebel
    I will have a look at that. On the bottom of their letters it states "our highly trained operatives are here to help". Not in our case!
    LT


    Welcome to Consumer Action Group

    'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'
    Joshua J. Marine

    1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE
    2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE
    3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE
    4) REQUEST CCA FROM CREDITOR CLICK HERE
    5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE
    6) CAREY V HSBC (2009) CLICK HERE
    7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE
    8) IN DEBT DON'T PANIC CLICK HERE
    9) FULL AND FINAL SETTLEMENT CLICK HERE
    10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE
    11) DISTANCE SELLING-EDUCATE YOR RETAILER
    CLICK HERE
    12)
    SOGA SUMMARY CLICK HERE
    13) WHICH? TEMPLATES CLICK HERE
    14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE
    15) EVERYTHING HOUSING CLICK HERE
    16) UTILITY BACKBILLING CLICK HERE
    17) OFGEM - COMPLAINTSCLICK HERE
    18) OFCOM - COMPLAINTS CLICK HERE

    DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

    Don't forget to donate to this site

    Please let us know how your problem has been resolved, it could help fellow Caggers


    Follows
    0
    Following
    0

  5. #5
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    little teacup's Avatar



    Follow Real_CAG on Twitter
    Cagger since : May 2010

    Posts
    231

    Default Re: RBS Loan

    Its taken us this long to get details from them to set up a SO.
    LT


  6. #6

    Default Re: RBS Loan

    They don't like Standing Orders, as they are not able to quietly increase the amount they take as in a direct debiticon!

    Every journey begins with a single step

    Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

    If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


    The only person entitled to your Personal Finance details is a Judge not a DCA

    Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

    Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.
    Follows
    0
    Following
    0

  7. #7
    Royalties Account Holder Bazooka Boo's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Feb 2008

    Posts
    19,929
    Blog Entries
    2

    Default Re: RBS Loan

    Ah the corrupt rotten to the core banking industry biting the hand that feeds it again!
    This needs to be raised in Parliament, not only did we bail them out to the tune of billions, but they gave all of our money away to those who could ill afford to pay it back, and now we see them acting with impunity again and feathering their own sordid nests with our money, while we all face massive financial cuts to services and our income.
    Banks are right up there with DCAicon's & CRAicon's.. Drop an email to your local MP as well, have him bring your case up in the commons;
    http://www.writetothem.com/
    Remind your MP & RBSicon that WE OWN 84% of their stinking bank. Makes my blood boil.
    Stephen.Hester@rbs.co.uk Make sure he gets both barrels as well.

    http://blogs.birminghampost.net/busi...r-investm.html


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



    Follows
    0
    Following
    0

  8. #8
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    little teacup's Avatar



    Follow Real_CAG on Twitter
    Cagger since : May 2010

    Posts
    231

    Default Re: RBS Loan

    Hi BB
    Thanks very much for the links.
    On the last letter from RBSicon, Louise Townsend said "Please note that interest and charges will continue to accrue on your account and cannot be suspended"
    LT


  9. #9
    Royalties Account Holder Bazooka Boo's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Feb 2008

    Posts
    19,929
    Blog Entries
    2

    Default Re: RBS Loan

    Well more fool her, accrue away, just reclaim them back. Get making those complaints, you MUST enter their own complaints procedure to get the 8 week clock running, when they don't satisfy your complaint you can refer it to the fosicon, who I am in no doubt is getting extremely tired of all these complaints, they still have not learnt from their previous mistakes.


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



    Follows
    0
    Following
    0

  10. #10
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    little teacup's Avatar



    Follow Real_CAG on Twitter
    Cagger since : May 2010

    Posts
    231

    Default Re: RBS Loan

    Hi All
    Do I also write to Louise Townsend and tell her I wish to complain?
    Thanks
    LT


  11. #11
    Royalties Account Holder Bazooka Boo's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Feb 2008

    Posts
    19,929
    Blog Entries
    2

    Default Re: RBS Loan

    No, you don't 'wish' to complain, you "ARE" complaining.
    Ignore miss Townsend, she won't do anything, if indeed she actually exists, just hit their complaints procedure straight off.


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



    Follows
    0
    Following
    0

  12. #12
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    little teacup's Avatar



    Follow Real_CAG on Twitter
    Cagger since : May 2010

    Posts
    231

    Default Re: RBS Loan

    Too polite, thats my problem!
    LT


  13. #13
    Royalties Account Holder Bazooka Boo's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Feb 2008

    Posts
    19,929
    Blog Entries
    2

    Default Re: RBS Loan

    It won't take you long to replace your 'Human Polite' cassette, with the 'arrogant angry obnoxious' DCAicon response believe me, they have a knack of bringing the worst out of the very best of people!


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



    Follows
    0
    Following
    0


Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details