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.


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
    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


    Angry Cancelled direct debits

    Hi, having big problem with RBSicon! Got an account with RBS and cancelled all direct debits at the beginning of the year as there was no money going into the account. When I stopped using the account it was 2 in credit. Now I am getting letters saying that my account is 450 overdrawn and they are going to send baliffs round unless I pay it. I have rang RBS today and they have confirmed that all the direct debits were cancelled but that 2 companies still tried to take the money,because of this they have charged me the usual ridiculous amounts! Are they allowed to do this?

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  2. #2
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    nikkiandmidgets's Avatar

    Follow Real_CAG on Twitter
    Cagger since : Aug 2006


    Default Re: Cancelled direct debits

    You will be able to claim all the charges back but I think when you cancel a direct debiticon you are supposed to tell the other company too so that they dont keep trying. I dont have one to hand but if you check the standard direct debit agreement it should say who is liable, your bank or the company? Guess the guys on here will be able to give more input, am bit busy with midgets at moment to check through the web and this site for more info I am afraid or I would. But I would read through the FAQ's and then get a SARicon sent off to your bank. While you are waiting for your statments read through the site and familiarise yourself with the process and other users threads so you know what to expect. The bank will give you. all the money back plus any charges you have received. if you keep your statements all the better but I guess if you only found out now you probably just receive them online like me!

    Hope the above makes sense....Nikki

    Nikkiandmidgets Vs BOS (3) - S.A.R sent 11/09/06

    Nikkiandmidgets Vs Capital One (2) - S.A.R sent 11/09/06, Prelims sent 20/10/06, LBA's sent 16/11/06

    Nikkiandmidgets Vs Citi credit card - S.A.R sent 11/09/06, Prelim sent 9/10/06, LBA sent 28/10/06

    Nikkiandmidgets Vs Halifax - S.A.R sent 11/09/06

    Nikkiandmidgets Vs Egg (4) - S.A.R. sent 20/10/06

    Nikkiandmidget Vs Littlewoods (3) - S.A.R sent 20/10/06

    Nikkiandmidgets Vs Blackhorse - Prelim sent 20/10/06 requesting 125 charges to be refunded. LBA sent 16/11/06.

    Nikkiandmidgets Vs Welcome Finance (Macadam Finance) - S.A.R and C.C.A request sent 20/10/06

    My Mum Vs Halifax - S.A.R sent 11/09/06
    My Mum Vs Capital One - S.A.R sent 20/10/06
    My Mum Vs Citi - S.A.R sent 20/10/06

    My Mum Vs SLC - S.A.R and C.C.A sent 09/10/06

    Husband Vs BOS (3) - S.A.R sent 20/10/06

Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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