Marc Gander - The Consumer Survival Handbook


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Patricia Pearl - Small Claims Procedure - A Practical Guide


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Thread: dpgunn v RBS

  1. #1

    Default dpgunn v RBS

    I would like to know why account charges seem to vary from month to month. Sometimes it is 24 and sometimes 40 or more. I'm assuming this is due to the account going into debit, but it seems to that it doesn't have to be much debit or for long to attract these charges. Is it allowable to include the charges in your interest claim?
    ----------------------------------------------
    http://www.consumeractiongroup.co.uk...external+links A-Z INDEX. really uselful

    GaryH useful tips for court phase:
    http://www.consumeractiongroup.co.uk...er.php?u=19614

    http://www.consumeractiongroup.co.uk...ionnaires.html

    http://www.consumeractiongroup.co.uk...ompletion.html really useful

    http://www.consumeractiongroup.co.uk...xternal-links/

    http://www.kendallfreeman.com/kf-pdf...%20article.PDF good case

    http://www.consumeractiongroup.co.uk...tml#post732094 Imp. stuff preparing bundle.

    http://www.consumeractiongroup.co.uk...-get-your.html Letter thanking, but not accepting as final settlement.
    ------------------------------------------
    (I already had my statements saved, sad lad)
    14.12.2006: Preliminary letter to RBOS.
    7.1.2007: LBA. Claim: 5085.12 (This includes interest component)
    3.2.2007: N1 sent to county courticon. Fee 250, because > 5k
    23.2.2007: Ackn of Service - bank defends.
    13.3.2007: Defence received.
    15.3.2007: AQ received & filed c court, + Order for Directions + Response to
    Defense
    3.4.2007: General Form of Judgement received.
    5.4.2007: Copy RBOS AQ received.
    12.4.2007: Notice of Allocation & Hearing - small claimsicon (Date 24.7.07)
    Court accepts small claimsicon figure.
    2.5.2007: Court bundle sent Registered mail.
    14.5.2007 - BANK PAYS IN FULL. 4781.93

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    • #2

      Default Re: Rbsbattler

      Does it state what the charges are for?


    • #3

      Default Re: Rbsbattler

      No, it just says 'charge to ...' then the date up to which the charge was being levied. I haven't asked bank itself yet, I guess I don't want to show my hand too early. I do have an overdraft on the account, but the charge changes from month to month quite substantially.


    • #4

      Default Re: Rbsbattler

      That charge is a mixture of Royalties fee and Over-limit penalty.

      Royalties fee was 8 then 10 now 12. I don't know how others have approached the problem but I intend to average the fee at 10 and take that off each month to leave the penalty.

      I am taking an average of the fee because the bank won't tell me when the rate changes took place.

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    • #5

      Talking Re: Rbsbattler

      I'm pretty sure I could tell you when charges changed, because I have kept my original statements and it is fairly obvious when the charges increase. However, I like your idea as it seems we really shouldn't be doing the banks work for it in this case. So I shall take an average of 10 off as well. ta.


    • #6

      Default Re: Rbsbattler

      Can anyone tell me what a referral charge is, please?


    • #7

      Default Re: Rbsbattler

      'Referral charge' is when they pay a DDicon that you didn't have funds to cover, as opposed to 'Returned DD' which is when they don't pay it....damned if they do, damned if they don't!

      Claim them back.

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    • #8

      Default Reply from bank

      I sent in my request for over charging about 3 weeks ago. Royal Bank of Scotlandicon, 3,800. I have received no reply so far, is this ususal?


    • #9

      Default Re: Reply from bank

      request for charging? do you mean a letter requesting a refund?


    • #10

      Default Re: dpgunn v RBS

      Yes, I HAVE NOT yet sent any formal notice of legal action. It's just a request to refund the 'illegal' - that is the letter downloaded from this site.


    • #11

      Default Re: dpgunn v RBS

      I set up a post on calculating RBSicon charges. You can find it here.

      This should help you break down your charges.

      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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    • #12

      Default Re: dpgunn v RBS

      Would anyone care to answer my original question - which was "Is it unusual for the bank not to send any answer in the first 3 to 4 weeks?" If so, when should I remind them that I do expect some form of reply?


    • #13

      Default Re: dpgunn v RBS

      If the bank have failed to respond in the time you stipulated then go to the next stage, what ever that may be.
      Send the lbaicon stick to your time limits.


    • #14

      Default Re: dpgunn v RBS

      Right. I have sent my lbaicon. I have also recieved my copy of small claimsicon Made Easy. Interesting read.
      I will get my N1 in if I need to, I'm thinking of doing it online as it looks easy & neat. Has anyone had experience of electronic applications? I've read a few posts about fast trackicon, is this the same?
      Also it seems to want the name of my local court (somewhere in the Durham area). Is there a place I can go to find a list of appropriate courts?

      I also have difficulty navigating the site (not very computer literate, e.g. what in heaven's sake happens when you furl a post?). I would like to link to the A-Z index post & also Karnevil (as it hyperlinks to all the essential documents). I tried clicking the icon "link to this post", but nothing seems to have happened. Can you advise.


    • #15

      Default Re: dpgunn v RBS

      Could someone look at my previous post & see if they can answer any or part of it. Thanks.


    • #16

      Default Re: dpgunn v RBS

      fast trackicon is a higher court, the no cost rule does not apply.
      Using MCOL is a convenient way of issuing a claim.
      Have a good read of the FAQs theirs also a new template for the MCOL.

      Paul.


    • #17

      Default Re: dpgunn v RBS

      Quote Originally Posted by dpgunn View Post
      Right. I have sent my lbaicon. I have also recieved my copy of small claimsicon Made Easy. Interesting read.
      I will get my N1 in if I need to, I'm thinking of doing it online as it looks easy & neat. Has anyone had experience of electronic applications? I've read a few posts about fast trackicon, is this the same?
      Also it seems to want the name of my local court (somewhere in the Durham area). Is there a place I can go to find a list of appropriate courts?

      I also have difficulty navigating the site (not very computer literate, e.g. what in heaven's sake happens when you furl a post?). I would like to link to the A-Z index post & also Karnevil (as it hyperlinks to all the essential documents). I tried clicking the icon "link to this post", but nothing seems to have happened. Can you advise.
      Thought I'd just let you know.....I haven't a clue. All my have so far settled prior to court so unfortunately, I can't help. As for navigating the site, don't know what you're talking about so I guess it's beyond me too

      If you need a response from someone, why don't you pm a link to this thread to one of the more experienced / advanced peeps that hang around RBSicon, livelylad springs to mind, however, there are others. Open a few posts and see who the knowledgable peeps are and pm one of them asking them if they'd be so kind as to sort your court questions

      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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    • #18

      Default Re: dpgunn v RBS

      how do you 'pm'?


    • #19

      Default Re: dpgunn v RBS

      Sorry........pm as in private message, easiest way to do this is click on the persons name on a post (where it says "Basic Account Customer" or something similar), a menu will appear and you can select "click on send private message".

      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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    • #20

      Default Re: dpgunn v RBS

      Thanks, that helps alot - I can see the light at the end of the tunnel.


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