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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    You'll regret it if you don't.




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    Default Clivey888 v RBS Help with MCOL required please

    Hi there,
    I have received a fob off letter from RBSicon last friday after lbaicon basicly stating that charges are fair and will not refund.

    A little history about this is that 3 years ago my bank card was left in my local branch when i requested a DDicon to be cancelled, The card was handed over to lady to take account number i then went back to work forgeting my card, After i rec tel call at work stating my signed card was left there and would i like them to put in post, I stated no i will come and collect, The lady then stated it's no problem which i agreed.

    My bank card was sent out to me normal post not recorded or special and was stolen resulting in funds to the tune of 600 being stolen from account by means of purchases in different shops to the calue of 50, I rec no apology from the bank and to make matters worse the lady in question lied and said i had requested it to be posted......I was fuming and stated i would be leaving and would pay the overdraft on my account and the joint account back 200 a month to clear 3000 they refused and wanted all back straight away which i couldn't do, This then escalated to there collections whom passed on to debt collectionicon to whom i have been paying each month to clear.

    Last month i phoned my local branch and to my surprise spoke with the lady that actuall sent my card in the post 3 years ago whom could not be any more helpful and got me my statements with no charge or questions asked after 3 days.....Wonder why she did that lol....

    I then sent request for charges to be repaid with no interest and rec letter back stating that they were investigating then i rec letter stating charges fair etc and to liase with debt collection firm after my lbaicon refusing any refund.

    They have made there position clear and would like to now do a MCOL but am confused about how to word this on line, Any suggestions and help would be greatly appreciated.

    The sum i am claiming is 2116 charges plus 8% interest = total 2762.04

    Also what can i expect them to do after the MCOL and what is the time scale.

    Your help will be greatly appreciated

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




    Follow Real_CAG on Twitter
    Cagger since : Sep 2006

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    Default Re: Clivey888 v RBS Help with MCOL required please

    Is there anybody out there that can help pleasssssssssssssse?


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



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    Cagger since : May 2006

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    Default Re: Clivey888 v RBS Help with MCOL required please

    Hi Clive,

    First of all if its 14 days since you sent the lbaicon then moneyclaimicon is the next step, there is a template for the wording in the libraryicon.

    Just take your time and post here what you're writing before you submit if you want somone to check it over for you!

    Once MCOL is submitted the bank have 14 days to acknowledge the claim and then a further 14 days to enter a defenceicon.

    If you read around the forum there are lots of us who have been in the same position and there is help to most questions on the threads, but if you need any further help just post here!

    Stacy xx

    NatWest - Settled in full 22/05/06

    RBS- Prelim sent 9/05/06 1,147
    500 offer 27/05/06, rejected 30/05/06
    LBA sent 25/05/06
    MCOL 15/06/06
    Defence received 20/07/06
    Settled in full 01/09/06 wahey!!!!!!!!!
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