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 4 of 4
  1. #1

    Default Are They Still Allowed To Do This??

    This makes me mad!!!!
    After winning in November, the bank are still charging 38 for an unpaid item!!
    I was of the understanding that the OFT regulated the charges and banks should not be charging more than 12 per item?
    Is this right?
    If so, should I contact the OFT and complain.

    Also RBSicon take out any unpaid item charges on the day they are sent back unpaid, DUHH, if the item has been sent back unpaid, there is NO MONEY there to pay the charges either, oh but wait, that means they can charge us the next month for going overdrawn, and charge us any interest that has taken us overdrawn!!!

    I had a HUGE fight with someone from RBS as it DOES NOT STATE IN THEIR TERMS AND CONDITIONS 'when' they take the money out!
    I have stated in under no circumstances are they allowed to take any of MY money from MY account without enough prior notice!!

    Is this right also, if so I will soooooooooo be taking this further!!!!

    Alison

    Similar Threads:
    RBS
    13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL
    Cheltenham & Gloucester (ERC's)
    21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

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  2. #2

    Default Re: Are They Still Allowed To Do This??

    The OFT ruling was not for banks it was for credit cards. A letter to the bank informing them that you will not accept any charges on your account is the next step. Please be aware that if you continue to incur charges they can close your account.

    Can you reduce your signature size please.






    I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.
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  3. #3

    Default Re: Are They Still Allowed To Do This??

    Thanks
    I thought it was banks too? Never mind.
    I have wrote to them informing them I will under no circumstances allow them to take money from my account without prior notice or knowledge.
    Will wait and see what they come back and say!!!!

    RBS
    13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL
    Cheltenham & Gloucester (ERC's)
    21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

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  4. #4

    Default Re: Are They Still Allowed To Do This??

    Has anyone else had dealings with RBOS where they take money out without telling you, as it is NOT in their terms and conditions, therefore they are illegally taking money from us without our knowledge!!!!!

    RBS
    13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL
    Cheltenham & Gloucester (ERC's)
    21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

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