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)


Results 1 to 6 of 6
  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




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    Default 30Some v Royal Bank Scotland

    Trying to claim back charges on RBoS account. Calculated the charges but included overdraft maintenance charges, can I do this?

    Similar Threads:

  2. #2

    Default Re: Maintenance charges

    Hi 30some, welcome to the family.

    Different banks use different titles for their charges, and I'm not familiar with the titles used by RBOS.

    I would suggest that you start your own thread in the RBOS forum and post any questions and progress reports there.


    Click on this link for RBOS FORUM....


    You will be able to draw on the experience of other users who are dealing with RBOS.

    Good luck with your claim.


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




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    Default No reply within 14 days

    30some v RBoS

    I have sent the first letter detailing all the charges for the past five years and requested full payment.

    The standard letter I have used gives 14 days to respond, I sent the letter recorded delivery however they are getting close to the 14 day deadline. What happens if they miss the date, does it severely strengthen my claim.


  4. #4

    Default Re: No reply within 14 days

    Once the deadline has passed, you send your second letter, which should be the lbaicon. It is quite normal not to get a reply and it does neither strengthen nor weaken your claim.

    iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.
    Vanquis - Claim issued, no AoS or Defence received
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  5. #5
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Nov 2006

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    Default Re: No reply within 14 days

    Cheers, still getting head round it all.


  6. #6

    Default Re: 30Some v Royal Bank Scotland

    Right I have moved all your posts together this is your thread please keep your questions here.
    As regards your earlier comments.
    The subscription charges for the Royalties Gold account is something that cannot be claimed as it is a service that gives additional benefits over and above a normal current or saver account.
    Maintenance charges are reclaimable they are a disguised penalty.

    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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