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

    Default The Royal BAnk of Scotland!!!

    I have been with the Royal Bank of Scotlandicon for over 6 yearsicon i have a good relationship with some of the staff in my branch but this does not stop them from hitting me with charges as this became a problem i requested if there was an problems for them to contact me they did on several occassions where i was able to cover before the charges went through and got them cancelled but this has stopped and having checked my account today i have been hit with over £145 of bank charges. Knowing that i have paid alot in charges over the last 6 years i thought this has to end somewhere and i proceeded to write the letter which i got from the libraryicon but now i'm unsure of to post it or not as to the head office is in Edinburgh can anyone help me on this and advise what i should do?

    Thanks

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  2. #2

    Default The Royal BAnk of Scotland!!!

    I have been with the Royal Bank of Scotlandicon for over 6 yearsicon i have a good relationship with some of the staff in my branch but this does not stop them from hitting me with charges as this became a problem i requested if there was an problems for them to contact me they did on several occassions where i was able to cover before the charges went through and got them cancelled but this has stopped and having checked my account today i have been hit with over £145 of bank charges. Knowing that i have paid alot in charges over the last 6 years i thought this has to end somewhere and i proceeded to write the letter which i got from the libraryicon but now i'm unsure of to post it or not as to the head office is in Edinburgh can anyone help me on this and advise what i should do?

    Thanks


  3. #3
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    Default

    Post it to your branch.
    If your account is in England, then keep all of your correspondence in England

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  4. #4
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    Default

    Post it to your branch.
    If your account is in England, then keep all of your correspondence in England

    MAJOR UPGRADE - March - SEE ANNOUNCEMENTS

    Warning: I use dictation software. Beware of homophones!
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  5. #5

    Default letter

    I sent my letter to the RBSicon on 21st Feb i'm not to sure of the next step do i wait 40 days to see if they will send me the list of charges they have applied on my account in the last 6 yearsicon or do i start with the court action straight away as the 7 days have gone.


  6. #6

    Default

    Did you send it recorded delivery or have you had any acknowledgement that it has been received?


  7. #7

    Default

    I've recieved nothing was actually thinking of sending it again recorded delivery.


  8. #8

    Default

    They will probably regard this as restarting the clock again on the 40 days but you may have no choice. They should have at least acknowledged your letter by now. Are some of your charges on the brink of being more than 6 months old? I had the same type of problem with Nat West (owned by RBSicon) in that, whilst they replied, they were trying to run out the clock so I've now sued them for an estimated amount.

    If you don't face the same problen, it would probably just be best to resend it by recorded delivery.


  9. #9

    Default

    As another option i will go and pull out all my bank statements and see if i can come up with an estimate amount to just take it to court, as i can see they maybe avoiding the letter and to show i'm serious proceed to the next step with out the list of charges.
    My most recent charge was end of Feburary for 145 all on 1 day my charges go back a long time and i'm sure they owe me alot of money, i'm not to sure what's the better thing to do as i'm travelling at the end of the month and don't want them to think i'm not serious.


  10. #10

    Default

    Just as i was ready to post the letter recorded delivery i recieved a letter from RBSicon 'if i should exceed what we have agreed then their standard charges will apply as a good will gesture they have refunded me with 28 plus the last charge of 38'.
    Obviously they think this is the end I WANT ALL OF IT BACK!!!! HELP what do i do next as i still haven't received the list of charges and want to pursue to the end but as i stated before i'm going on holiday end of the month so i would really like to get this going.


  11. #11
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    Default

    I take it that you haven't had your list of charges yet so send them an abrupt reminder.

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  12. #12

  13. #13

    Default

    So, rudely remind them.

    The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.
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  14. #14

    Default

    Quote Originally Posted by redusga64
    Just as i was ready to post the letter recorded delivery i recieved a letter from RBSicon 'if i should exceed what we have agreed then their standard charges will apply as a good will gesture they have refunded me with 28 plus the last charge of 38'.
    Obviously they think this is the end I WANT ALL OF IT BACK!!!! HELP what do i do next as i still haven't received the list of charges and want to pursue to the end but as i stated before i'm going on holiday end of the month so i would really like to get this going.
    They tried this "goodwill gestureicon for the most recent charge" on me, hoping I would be daft enough to accept. I then wrote and told them I wanted ALL the charges refunding. In the end they paid up.
    Stick to your guns. Give them the "14 days or court action" threat
    Go for it all. Its your money, you are entitled to it
    Good Luck,

    Buzz.


  15. #15

    Default

    Thanks for advice, just wanted to know should i combine the 2 letters the one regarding the data protection act and also the abrupt letter requesting a full refund within 14 days without the total amount owed?


  16. #16
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    No because then your deadlines become ambiguous. 40 days DPA, 14 days to settle. Doesn't work
    We used to have a template letter which combined them in the way you suggest. It only caused problems and confusion.

    MAJOR UPGRADE - March - SEE ANNOUNCEMENTS

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  17. #17

    Default

    Ok well i've drafted the 40 days letter but stated this started from the date of my first inital letter which gives them until next week. Should i wait for the response on this before i conclude with the 14 days notice of full refund required?


  18. #18
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    Did your original letter include 10?

    MAJOR UPGRADE - March - SEE ANNOUNCEMENTS

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  19. #19

  20. #20
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    Default

    It needs 10 for it to be a valid DPA request. This gives the bank a legitimate reason for non-compliance

    MAJOR UPGRADE - March - SEE ANNOUNCEMENTS

    Warning: I use dictation software. Beware of homophones!
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    All attribution rights and moral rights in my copyright work are asserted
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