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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    Do you record your calls?
    You'll regret it if you don't.




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    Cagger since : Jun 2006

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    Default Darearedhead vs RBOS

    Hi there. I have this morning received a lettericon back replying to my initial claim for repayment saying that they regard their charges as fair and disagree with the OFT's findings. Also that they will not be refunding any of the charges applied to my account. Am unsure of what the next step should be.

    Another thing I am unsure of is this: In the list of bank charges I sent I included all the interest they have levied against my account on the over draft, equaling 693.82 over the six years (the charges are 2,275.00 alone). After reading all the threads, I am not sure if I should have done this. Please could someone advise?

    Thank you!

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  2. #2

    Default Re: Darearedhead vs RBOS

    Hiya, happy to help. After the initial letter you now need to send in the lbaicon (letter before actionicon) you need to send this in by recorded delivery incase they fob you off. You can send the letter in now as they have responded to you.

    To explain about interest. You CAN claim 8% interest on all charges when you reach court stage but ONLY when you reach court stage and you can't really mention anything about this 8% before the court so you need to get rid of the 8% on the spreadsheets. With overdraft interest you can claim this but only if the overdraft interest is occuring because you were taken overdrawn by unfair charges. They paid mine up.

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




    Follow Real_CAG on Twitter
    Cagger since : Jun 2006

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    Smile Re: Darearedhead vs RBOS

    Thank you so much for your help ... am sure I will be asking more but for now .... the second letter is on its way!!

    Thanks again xx


  4. #4
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jun 2006

    Posts
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    Default Re: Darearedhead vs RBOS

    11/11/06 - Update.

    I received a lettericon back from RBOS offering me half the amount as a "gesture of goodwillicon" Yeah right! Guess I am on the right track then!!

    Am off to search for the next step now!

    Thank you for all your help so far.

    Kat xx



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