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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    Default tedsbird (cousin) v rbs

    Hi all. Puting in a claim against RBSicon on behalf of my cousin (who's completely IT illiterate).
    Sent off the SARicon, returned promptly.
    Sent off the lbaicon with sreadsheet. On the 14th day received a lettericon stating it was being sent to HOffice and will be dealt with in another 14 days. I know they'll take their time but not sure if I should modify the Prelim letter to state that they have had their 14 days and as a matter of courtesy I will allow the 14 days?? Any ideas please??

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  2. #2
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    Default Re: tedsbird (cousin) v rbs

    Should have sent prelim letter after SARicon? If you sent the prelim and thats what they responded to on day 14 then go straight to lbaicon...

    If you missed out the prelim letter and went straight to lbaicon then you might have to send another LBA giving further 14days....not sure.

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  3. #3
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    Default Re: tedsbird (cousin) v rbs

    sorry being such a bint. yes sent prelim letter and they responded stating they would contact agan in 14 days (which equates to 28 days since I wrote). so I should modify the lbaicon one to acknowledge their response but kick em up the ass so to speak??

    thanks v muchly.


  4. #4
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    Default Re: tedsbird (cousin) v rbs

    So go straight to lbaicon, it's your timetable not theirs....

    Otherwise they would just stall indefinitely by writing you on day 14 saying it's been passed to a different office.

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  5. #5
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    Default Re: tedsbird (cousin) v rbs

    very good! thank you very much


  6. #6
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    Default Re: tedsbird (cousin) v rbs

    Well no response from RBSicon so going to start MCOL next week on her behalf. Might just give them a call as no response has been received to any letters sent since they said it was being passed to head office.


  7. #7
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    Default Re: tedsbird (cousin) v rbs

    It's been a while with this one but my cousin isn't the most efficient bird so she's not bothered about it. Made a call to the bank who said they have 8 weeks to respond so even though the prelim letter was dated 8 November they didn't receive it until 20 December at head office!! In any case they've sent a letter stating they will look into it. It's more than past it's time for a court date but getting her here to fill in the claim formicon and pay for the court fee whilst they're still charging astronomical fees is proving difficult!


  8. #8
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    Default Re: tedsbird (cousin) v rbs

    Have you considered getting her a parachute accounticon? At least then she can have all her money charge free whilst getting on with the claim.

    Course that might be just as difficult to sort out if she's not that interested!

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 2794 SETTLED!!! RBS CA2 503 SETTLED!!! HBOS CC 498 SETTLED!!! Barclaycard 705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!
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  9. #9
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    Default Re: tedsbird (cousin) v rbs

    Looks like she didn't need a parachute accounticon! She was going to do a court claim (or get me to do it) on payday. Hey ho letter arrives in the post on Saturday offering full refund! Unfortunately she signed the T&C's before telling me and posted them off. At least she got her pennies back though. many thanks for your support on this one.


  10. #10
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    Talking Re: tedsbird (cousin) v rbs **WON***

    Winner!!


  11. #11
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    Default Re: tedsbird (cousin) v rbs

    Good news! Shame on her for signing their letter!!

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 2794 SETTLED!!! RBS CA2 503 SETTLED!!! HBOS CC 498 SETTLED!!! Barclaycard 705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!
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