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Clark v RBS


Clarky
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Hi all,

 

I am joining the RBS forum for the very large sum of...........£38.00!!!!

 

I have only had one charge on this account but if its my money then I want it back!!

 

My pre-lim is going off today so wish me luck!!! Do u think I will just get this back cos its so small??

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

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If it is quite recent, just go into the branch (if you can) and challenge it. I have done this a few times in the past and they can refund as a "goodwill gesture".

 

Personally I dont care whether it is a goodwill gesture or a sincere change of heart after breaking down with the burden of guilt......I just want my dosh back!

 

Worth a go before going down the long route.

 

 

 

Thats my view, anyway. Hope it helps.

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:D

 

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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Hi all,

 

I am joining the RBS forum for the very large sum of...........£38.00!!!!

 

I have only had one charge on this account but if its my money then I want it back!!

 

My pre-lim is going off today so wish me luck!!! Do u think I will just get this back cos its so small??

 

Clark xx:p

 

i am sure they will pay up straight away if you phone them stating that you are a member of CAG. and you know there charges are an unlawful penalty. A good trick is if they refuse ask them to provide you with a complete breakdown of their charges, i got a refund straight away.:D

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I dont fancy going in the branch because its really small and everyone will hear me!!

It was on the 1st of June and it was because I couldnt get into the bank the day before to put £35 in for a d/d. I went in on the day but it was too late!

They could of paid the d/d for less than the charge!!

I might try calling up later on today, thanks for the advise both of you.

It is very much appreciated.

 

Will let you know hoe I get on

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

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I dont fancy going in the branch because its really small and everyone will hear me!!

It was on the 1st of June and it was because I couldnt get into the bank the day before to put £35 in for a d/d. I went in on the day but it was too late!

They could of paid the d/d for less than the charge!!

I might try calling up later on today, thanks for the advise both of you.

It is very much appreciated.

 

Will let you know hoe I get on

 

Clark xx:p

 

hi i would use the fact that people will hear you to your advantage! Tell them their charges are unlawful under and quote the regs.... see what happens then.

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I just think ill get all tongue tied and sound like an idiot!

 

Its so much easier doing the letter thing, saying that it does seem long winded for £38.00.

 

I'll ring, im too scared to go in!

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

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I just think ill get all tongue tied and sound like an idiot!

 

Its so much easier doing the letter thing, saying that it does seem long winded for £38.00.

 

I'll ring, im too scared to go in!

 

Clark xx:p

 

ok just have the relevant info in front of you. dont be scared also a tactic i tried which worked was, if they refuse to give you the cash back tell them you require a full breakdown of how they arrive at their figure for charges. try that.:D

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Thanks so much for your help! Will let you know later if it worked!!

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

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Chickened out of ringing.....think im gonna send pre-lim tomorrow!!

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

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Ok....Got the guts up to phone my branch and spoke to a rather nice chap! Anyway he said there was nothing he could do and would have to get a manager to call me back

 

We wait.......

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

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Five minutes later.....

 

Call from bank, as it is my only charge on the account I can have it back as a 'gesture of goodwill' but please note that it is in the terms and conditions and I must adhere to them!!'

 

Not bothered....five minutes, MY 38 quid back in MY pocket YIPPEEEE!!

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

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Well done! definitely worth the call.

 

i know its only a small amount, but its definitely the principle that counts here.

Maybe you wont feel as apprehensive the next time you have to speak to them.:D :D :D

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:D

 

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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Your right....It was easier than I thought it would be!!! Like u said its only a small amount but if its mine I want it!!!

 

Give me a bit more courage when tackling the bigger fish!! (see sig)

 

Anyway thanks for all the support everyone!!:D

 

Clark xx:p

:p If you like the advice I give or I have helped you in any way, click the scales and let me know about it x :p

 

 

NatWest: £1148.00 (defence filed 3/10/06)

 

Halifax: £2600.00 Letter received 28/09/06 SETTLED IN FULL!!!:lol:

 

Co-op: £1140.00 Cheque received 5/10/06 SETTLED IN FULL

 

Barclays Bank: £510.00 (LBA time up 19/9/06) Offer received of £250.00 thanks but no thanks

 

Barclaycard: £840.00 Half refunded mcol being done for the other half!

 

Capital One: £100 Settled in full after preliminary letter

 

RBS: £38.00 SETTLED IN FULL 14th September 2006

 

STILL TO GO.......

 

Hubbys Halifax visa :p

 

Hubbys Yorkshire bank visa :)

 

Hubbys old Yorkshire bank (closed) account :rolleyes:

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