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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    Zzed Novitiate



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    Default Zzed V RBSAdvanta Urgent help here

    So it all began in October with RBSicon and juddered to a halt on 27/11/06
    when I got a letter stating the following:

    We beleive that our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff, which we are satisfied, coplies with all applicable laws and regulations. We are also commited to ensuring the transparencyof the information that we give to our customers about the operation of our products.
    Whilst strongly disagreeing with the OFT's legal position on credit card default charges, Mint has lowered its late payment and over limit fees for credit cards to 12 with effect from 28 June 2006
    It os not our policy to refund late payment/over limit fees that were charged previously at a higher level at the time the fee was incurred.
    Consequently againts that background, we must differ with the views expressed in your letter and will not be refunding the charges applied to your bank account.

    It goes on to say that they hope this clarifies the matter blah blah blah.

    Clear as mud right now. They have followed the OFT recommendations, have paid out to others but are refusing to do so this time?
    Why??????//

    Can anyone help what with guidence regards the way forward

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  2. #2
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    HydraUK Novitiate HydraUK's Avatar



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    Default Re: Zzed V RBSAdvanta Urgent help here

    Standard letter, keep to YOUR timetables, lbaicon next (or if this was the answer to your lbaicon, straight on to MCOL)

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  3. #3
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    Default Re: Zzed V RBSAdvanta Urgent help here

    Thanks Hyra

    Chin & Tails up again.

    On we go

    HFC:S.A.R - 17/10/06. Debt collectors threat 24/10/06 Statements recieved. fee waived 02/11/06 Prelim letter sent 20/11/06 Nothing here in 2008 but I'ma hit wita PPI claim too 2008
    RBSMINT:S.A.R - 17/10/06 Acknowledge FOB 23/10/06 Re-sent cheque with letter 28/10/06:Statements rcvd 18/11/06.Prem letter sent 20/11/06 Settled 2006
    Barclays Bank:S.A.R - 17/10/06.Acknowledge S.A.R - 28/10/06 No statements yet.. found statements in folders. No response since 2006 till now 2008
    Barclaycard:S.A.R -17/10/06:Statemenst rcvd 28/10/06. Prem request sent for 380 31/10/06: Offer to credit 128 to clsd A/C: Offer rejected and claim continued 07/11/06 Settled Nov 2006
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  4. #4
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    Follow Real_CAG on Twitter
    Cagger since : Oct 2006
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    Default Re: Zzed V RBSAdvanta Urgent help here

    I will need some help on the lbaicon as the standard letter does not counter the argument in RBSicon letter enough.

    Are there any other options for the lbaicon?

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  5. #5
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    HydraUK Novitiate HydraUK's Avatar



    Follow Real_CAG on Twitter
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    Default Re: Zzed V RBSAdvanta Urgent help here

    Which argument?

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  6. #6
    Basic Account Holder
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    You'll regret it if you don't.
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    Follow Real_CAG on Twitter
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    Posts : 40 (0.01 post per day)

    Default Re: Zzed V RBSAdvanta Urgent help here

    Not to worry, have edited accordingly

    Aluta Continua

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