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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    Angry SOMEBODY PLEASE HELP!! me vs rbs

    HI THIS IS GONNA BE A LONG THREAD SO MAKE YA SELF A CUPPA TEA.

    i came home tonight to find that i had a letter from the Royal Bank of Scotlandicon. (our account is in the Carlisle branch) it asked my partner to phone them ASAP ( i can type the letter out if need be)
    I telephoned them as our account should be joint but they obviously havnt changed it any way i did the security question and stuff then asked what the problem was HERE WE GO>>> the girl explained that the account was in the collections department from the royal bank of scotland which neither me or my partner had been informed about and they said that it had been for 121 days. i asked why this was and the stated it was because the loan account was in arrears. We had been told this by the bank and they said to help manage the account my partner Andy should down grade his account to a standard current account which he did- this was June 21st... he was not told that account had been passed to the collections deparment or anything so any way some time after this (september) i arranged to shift my account to them to just out of easyness so that my wages would go into the account and so we didnt go overdrawn what i wasnt told at the time is that I have now had defaults on my credit report as i have put my name on the account!!??? I was not notified of this when i signed to be put on the account at all!! so now me and andys name has a PRE DEFAULT on the account which is what the lady said in the call centre when i phoned. as we down graded the account to be a standard current account we just paid the normal fees for having aaccount with them OR SO WE WERE THOUGHT but to my horror we have been paying ROYALIES PREMIER FEES since june to which i have no idea it would be.. the collections department who i have spoken to tonight agreed with me that i should never have been put on the account because andys account was being dealt with them by now and that we both have a bad credit score now, i asked if she could email me the notes on our account but she said that we need to send a letter to them requesting them because of data protection... i have advised them that i will be taking legal advice because of all the incompitence by my bank. what i need to know is what to do now i definatly want this to be sorted but do i get a solicitor??? i wondered if andybody could help me rustle up a little statement to take to the bank manager 2moro to tell him that i mean business about the laws and stuff!!??? any help would be REALLY REALLY usefull.they also said that they had the wrong telephone number and that they have been trying to caontact us but the IDIOT who took our detail had put the wrong number down on the account so they could not get in touch with us so again that is there fault , they said that they have been trying to contact us to tell us that if we could put 60 quid in the loan account we would would be removed from the collection s department but beacuse the girl had took the wrong number they couldnt tell us so for the sake of 60 we have now been in the collections department for 121 days!!! i have arranged to pay the 60 into the loan account 2moro and the girl said that they would remove us from the collections department as soon as i do all of that.
    if any of this makes no sense please let me know anybody that can help me can phone me if they think that they can help??
    I am i right to be mad?

    RBS Data Protection Act LETTER SENT 29th Sept

    Halifax Data Protection Act LETTER SENT 29th Sept settled in full 531.00 12/10/06

    Barclays DPA LETTER SENT 29th Sept Received statements .. 325 Owed to me.
    COMING SOON TO A THREAD NEAR YOU: MINIMILNER vs Capital One & Halifax Card Services.
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  2. #2
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    Ok, deep breaths, this can all be solved I am sure.....


    Firstly, I think you have a case, did they ever send you a letter to inform you that you were at collections or anything similar since the date they passed it to their collections?

    The first thing I would do is get your SARicon Data Proctection Letter off in the post or bring it down to your bank tommorow, this letter can be found here... http://www.consumeractiongroup.co.uk...ction-act.html just add your details into it.

    I can't see how they can legally issue a default against you without giving you adequate notice of this, and if you can get all info they hold on you (as per data protection act) it will show the occasions the wrote to you, and any time you phoned them etc....

    Has she downgraded the account to what it should have been now?

    I woudl advice you from now on to keep everything in writing, just to be safe, this means no "he said she said" if this needed to go to court, just hard black and white facts.

    In the meantime pay in what you need to bring the account back into credit and get your letter to them asap.

    I am sure someone more experienced than me can advise you on what to do about the default and such..

    Sorry this has happened to you....it makes me so mad!


  3. #3
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    i know its really upsetting ive been crying for ages.. just when you think your sorting your self out and things like this happen they said they will put the account back to normall tomorow when i clear the account. thanks so much for your advice. i just dont know what to do

    RBS Data Protection Act LETTER SENT 29th Sept

    Halifax Data Protection Act LETTER SENT 29th Sept settled in full 531.00 12/10/06

    Barclays DPA LETTER SENT 29th Sept Received statements .. 325 Owed to me.
    COMING SOON TO A THREAD NEAR YOU: MINIMILNER vs Capital One & Halifax Card Services.
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    Oh god, please don't cry over them, they are simply not worth it, although I know how upsetting money worries can be.

    Is your account at collections for just 60.00? When you pay that tommorow does that clear it? And then we are left with trying to sort out the defaults?

    Hit me over the head if I have got that wrong!


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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    yes thats corrcet the sad thing is that i could have paid the money as soon as they told me 121 days ago. what do you think i should say to them tomorrow im so mad at there incompitence if the sill y girl had just took the right number. i want something done they have cause me so much stress. the girl in the call centre has put it on the account that i am going to take legal action, its the fact that they put me on andys account without even telling me that it would effect my credit score. do you think i should say to them 2moro that i am taking legal action? are there any forms i can download about the law on this? have they broken any law?

    RBS Data Protection Act LETTER SENT 29th Sept

    Halifax Data Protection Act LETTER SENT 29th Sept settled in full 531.00 12/10/06

    Barclays DPA LETTER SENT 29th Sept Received statements .. 325 Owed to me.
    COMING SOON TO A THREAD NEAR YOU: MINIMILNER vs Capital One & Halifax Card Services.
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    I would think that if they havent informed you in writing that you owed them money and unless you paid it they would enter a default against you , yes you have a strong case.. I am going to get some help from someone who may know more than me about this....keep an eye on this thread....


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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    http://www.consumeractiongroup.co.uk...d+authority%22

    in the meantime start reading these threads.


  8. #8
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    thanks so much

    RBS Data Protection Act LETTER SENT 29th Sept

    Halifax Data Protection Act LETTER SENT 29th Sept settled in full 531.00 12/10/06

    Barclays DPA LETTER SENT 29th Sept Received statements .. 325 Owed to me.
    COMING SOON TO A THREAD NEAR YOU: MINIMILNER vs Capital One & Halifax Card Services.
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  9. #9
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    Ok a couple if things to do.

    First of all send off the S.A.R - (Subject access requesticon) for full statement details of the accounts you hold ALL of them.one 10.00 fee covers all.
    Use the template letter (find this in the link below) bank temps letters
    If the account was joint and neededboth sigs then both sign the letter.
    send this to the head office.
    http://www.consumeractiongroup.co.uk...ction-act.html
    Secondly send a s10 letter under the data protection act......to the collections dept of the bank this prevents them from further processing your data.This link also below.
    If the bank defaulted you and did not provide you with a notice of default then the default is not legal this is something you could take up with your local trading standards.
    http://www.consumeractiongroup.co.uk...ction-act.html
    You must make the banks collections aware that the account is in disputeicon,therefore any further recovery action be suspended.If you are happy to make continued payments that you have made by arrangement and can afford to do so then you can do that.
    Remember though that the banks collections agency or any DCAicon are likely to say you acknowledged the default by agreeing to make repayments after the account was defaulted.

    There are 3 or 4 issues here and all have different ways to address them
    I hope its clear what you need to do to start the ball rolling.

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  10. #10
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    where do i get the S10 for should i take this in with me 2moro im gonna try and see the bank manager

    RBS Data Protection Act LETTER SENT 29th Sept

    Halifax Data Protection Act LETTER SENT 29th Sept settled in full 531.00 12/10/06

    Barclays DPA LETTER SENT 29th Sept Received statements .. 325 Owed to me.
    COMING SOON TO A THREAD NEAR YOU: MINIMILNER vs Capital One & Halifax Card Services.
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  11. #11
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    so should i not make a payment arrangement?

    RBS Data Protection Act LETTER SENT 29th Sept

    Halifax Data Protection Act LETTER SENT 29th Sept settled in full 531.00 12/10/06

    Barclays DPA LETTER SENT 29th Sept Received statements .. 325 Owed to me.
    COMING SOON TO A THREAD NEAR YOU: MINIMILNER vs Capital One & Halifax Card Services.
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  12. #12
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs


  13. #13
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    the letter that i got 2nyt said

    Dear Mr ....
    We have been trying to contact you over the last few days regarding the above numbered account(s)
    Please call us on the above number on recirt of this letter.
    It is important to note that if the position is not resolved within the next seven days formal regulatory notices will be issued in accordance with the provisions of the consumer crediticon act.
    In the meantime, should you have a cheque book and highline/ servicecard these should be returned. For security reasons please cut the cards in two before posing.
    our telephone lines are open 8 am to 8pm and sat 9am to 5pm to discuss your account.
    yours sincerly

    Collections Centre Manager

    RBS Data Protection Act LETTER SENT 29th Sept

    Halifax Data Protection Act LETTER SENT 29th Sept settled in full 531.00 12/10/06

    Barclays DPA LETTER SENT 29th Sept Received statements .. 325 Owed to me.
    COMING SOON TO A THREAD NEAR YOU: MINIMILNER vs Capital One & Halifax Card Services.
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  14. #14
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    thanks

    RBS Data Protection Act LETTER SENT 29th Sept

    Halifax Data Protection Act LETTER SENT 29th Sept settled in full 531.00 12/10/06

    Barclays DPA LETTER SENT 29th Sept Received statements .. 325 Owed to me.
    COMING SOON TO A THREAD NEAR YOU: MINIMILNER vs Capital One & Halifax Card Services.
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  15. #15
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    Quote Originally Posted by minimilner
    where do i get the S10 for should i take this in with me 2moro im gonna try and see the bank manager

    The s10 should be sent to their reg office.
    You could take it to your local branch and hand it to the manager.
    But if you do this make sure you have a signed dated receipt for it.

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  16. #16
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    thanks for your help i really cant thank you all enough

    RBS Data Protection Act LETTER SENT 29th Sept

    Halifax Data Protection Act LETTER SENT 29th Sept settled in full 531.00 12/10/06

    Barclays DPA LETTER SENT 29th Sept Received statements .. 325 Owed to me.
    COMING SOON TO A THREAD NEAR YOU: MINIMILNER vs Capital One & Halifax Card Services.
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  17. #17
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    You can ask for a copy if the default as well as a copy of your original signed agreement.
    The fee is 1.00 and they are obliged to send you a copy of these under the consumer crediticon act 1974.

    Dont want to blind you with too much at this stage.
    take it 1 step at a time.

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  18. #18
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    hi i am going to see the bank manager at 12 today i need to take the s10 form but i dont know what to do about the dates as my boyfriend has been with the bank for over 8 years but i just joined his account last month how will i state this in t

    Notice pursuant to s.10 of The Data Protection Act 1998.






    Re: account no. XXXXXXXXX
    Account holder. Mr A Milner & Miss L Collins
    Address. Carlisle

    Whereas between us have been customers of Royal Bank of Scotlandicon Bank for over 7 years whereas I consented in my contract with you to the disclosure by you of certain data to third parties, at no time did I consent and neither was it within the contemplation of the parties to the contract that I did consent to the processing by you of that data in any manner which would be unfair or inaccurate or which in any way would breach The Data Protection Act 1998

    Therefore Take Notice that we require that you cease from processing within 7 days of the receipt by you of this notice or else that you do not begin to process any personal dataicon of which we are the subject insofar as that processing involves the communication or passing of personal data of which we are the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of charges which have been applied to my account in respect of defaults or contractual breaches and where the said charges which have been levied at a rate which is in excess of the administrative costs incurred by you as a consequence of the said defaults or breaches contrary to The Common Law.

    This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to us and in addition to that which may already have been caused and that as the processing of the said data in the way referred to in this notice would violate the fourth, first and sixth principles of The Data Protection Act 1998 to do so would be unwarranted.







    A. Milner L.Collins

    06/10/06
    he letter
    is this ok?
    any help would be really appreciated.

    RBS Data Protection Act LETTER SENT 29th Sept

    Halifax Data Protection Act LETTER SENT 29th Sept settled in full 531.00 12/10/06

    Barclays DPA LETTER SENT 29th Sept Received statements .. 325 Owed to me.
    COMING SOON TO A THREAD NEAR YOU: MINIMILNER vs Capital One & Halifax Card Services.
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  19. #19
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    I have changed slightly to betwee us.......this leaves the question variable.

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  20. #20
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    Default Re: SOMEBODY PLEASE HELP!! me vs rbs

    sorry what does this mean? sorry to be stupid?

    RBS Data Protection Act LETTER SENT 29th Sept

    Halifax Data Protection Act LETTER SENT 29th Sept settled in full 531.00 12/10/06

    Barclays DPA LETTER SENT 29th Sept Received statements .. 325 Owed to me.
    COMING SOON TO A THREAD NEAR YOU: MINIMILNER vs Capital One & Halifax Card Services.
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