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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    susie76 Novitiate



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    Cagger since : Jun 2006
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    Default tricky one - need advice!!

    I got as far with my RBSicon claim as getting statements and sending aprelim letter, and getting standard reply. Then, due to lots of personal hassles, put it on hold. this morning, as i was jgst thinking of getting starte again, i recieved a claim form (which will lead to ccj) for an old RBS debt. It is for 855, which was passed to a debt collectionicon agency a while back, i have since started a debt management plan with consumer credit counselling service, but westcot the dca, have decided to go down the ccj route. My claim against RBS would be 1040 without court interest. CAn i use this to prevent CCJ by either writing lbaicon, including offer to use part of claim to settle debt, counterclaining on court form, or just sendng lbaicon and getting a hold on court proceedings against me as a result of me being involved in action against RBs? Complicated, so i need advice!!

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  2. #2
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    cariad mo brwydrwr Novitiate cariad mo brwydrwr's Avatar



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    Cagger since : Aug 2006
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    Default Re: tricky one - need advice!!

    It depends if the old RBSicon debt is the same account you're claiming the charges on I think. They can't chase you for a debt if its in dispute.

    Also, if you have a debt management planicon that is paying off the debt regularly I'm pretty sure they can't suddenly serve you with a CCJ if you're responsibly managing the debt. Are you?!

    You might want to check the 'Legalities' forum about this, theres a lot more stuff about CCJs and defaults etc.

    And just for the record, Wescot are evil imo, they'll try every underhand tactic in the book.

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  3. #3
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    jimmelling Novitiate



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    Default Re: tricky one - need advice!!

    Check the legals first but I would be inclined to contact the RBSicon directly and tell them you'll see them in court where you will bring up the subject of their unlawful charges as a "counter claim". They wont want that to happen!



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