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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    suvin50 Novitiate



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    Default RBS/Virgin One Account

    Hi,

    I used to have a Virgin One Account mortgageicon and need to know where to send a SARicon to find out how much the bank charges that were applied in the 7 years I was with them amounted to. Do I send this to RBSicon who funded this, or Virgin.
    Any pointers will be appreciated.


  2. #2
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    Default Re: RBS/Virgin One Account

    bank charges?

    dont you mean mortgageicon charges?

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  3. #3
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    Default Re: RBS/Virgin One Account

    Hi DX
    As I understood it, the Virgin One account was a current account offset against the mortgageicon. In my case the loan was £xxxx and my salary was paid into the account to offset against the amount I had borrowed. I incurred several charges for late payment which took my borrowing above the limit.


  4. #4
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    Default Re: RBS/Virgin One Account

    urm...
    thats an interesting senario

    honestly i have no idea
    if the charges are considered bank charges or mortgageicon charge
    the latter can be reclaimed, the former not as easy anymore

    dx

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  5. #5
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    Default Re: RBS/Virgin One Account

    I just need to know if I should be contacting Virgin or RBSicon. Not too concerned about charges at the moment, just PPIicon.


  6. #6
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    Default Re: RBS/Virgin One Account

    Quote Originally Posted by suvin50 View Post
    I just need to know if I should be contacting Virgin or RBSicon. Not too concerned about charges at the moment, just PPIicon.
    RBS I would think as from January 2003, The Royal Bank of Scotland took a majority shareholding, becoming an RBS mortgageicon brand along with Natwest and First Active.

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  7. #7
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    Default Re: RBS/Virgin One Account

    Hi


    After a gap of 3 years I sent a SARicon and received all my statemenats. There are several hundred pounds in charges. As this was a mortgageicon account, does the 6 year rule apply in claiming charges back?


  8. #8
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    Default Re: RBS/Virgin One Account

    I believe that mortgageicon claims are 12 years (that's how long they can chase you for money)

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  9. #9
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    Default Re: RBS/Virgin One Account

    If they are unlawful charges, there is argument that the clock does not start ticking until the mistake is discovered

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  10. #10
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    Default Re: RBS/Virgin One Account

    OK thanks, thought that was the case.



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