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    • It's genuinely amazing how you managed to rebuke pretty much all of my points without giving a single shred of evidence to prove it. When asked for evidence all you claim is that "it's clear cut" but how is anyone here meant to know if you won't show it?   I agree with this. If you can't convince us, how are you going to convince the judges when this inevitably goes to court?
    • This is a ridiculous situation.  The lender has made so many stupid errors of judgement.  I refuse to bow down and willingly 'pay' for their mistakes.  I really want to put this behind me and move on.  I can't yet. 
    • Peter McCormack says he has secured a 15-year lease on the club's Bedford ground.View the full article
    • ae - i have no funds to appoint lawyers.   My point about most caggers getting lost is simply due to so many layers of legal issues that is bound to confuse.  
    • Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same.   Yes.  But every interested buyer was offering within a range - based on local market sales evidence.  Shelter site says a lender is not allowed to wait for the market to improve. Why serve a dilapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease.   The dilapidations notice was a legal first step.  Freeholders have to give time to leaseholders to remedy.  Lender lawyers advised the property was going to be sold and the new buyer would undertake the work.  Their missive came shortly before contracts were given to buyer.  The buyer lawyer and freehold lawyers were then in contact.  The issue of dilapidations remedy was discussed..  But then lender reneged.  There was a few months where neither I nor freeholders were sure what was going on.  Then suddenly demolition works started.   Before one issues a s146 one has to issue a LBA.  That is eventually what happened. ...legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease   A s146 was served.  It took 3y but the parties came to a settlement.   (They couldn't revert as they had ripped out irreplaceable historical features). The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there.  That's not the case   One can ask for another extension.  In this instance the freeholders eventually agreed with a proviso for the receiver not to serve another. You wouldn't vary a lease through a lease extension.  Correct.  But receiver lawyer was an idiot.   He made so many errors.  No idea why the receiver instructed him?  He used to work for lender lawyers. I belatedly discovered he was sacked for dishonesty and fined a huge sum by the sra  (though kept his licence).  He eventually joined another firm and the receiver bizarrely chose him to handle the extension.  Again he messed up - which is why the matter still hasn't been properly concluded.   In reality, its quite clear the lender/ receiver were just trying to overwhelm me (as trustee and leaseholder) with work (and costs) due to so many legal  issues.  Also they tried to twist things (as lawyers sometimes do).  They tried to create a situation where the freeholders would get a wasted costs order - the intent was to bankrupt the freeholders so they could grab the fh that way.   That didn't happen.  They are still trying though.  They owe the freeholders legal costs (s60) and are refusing to pay.  They are trying to get the freeholders to refer the matter to the tribunal - simply to incur more costs (the freeholders don't want and cant's afford to incur)  Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to.... The property does not qualify under 67 Act.  Their notice was invalid and voided. B petition was struck out. So this is dealt with then.  That action was dealt with yes.   But they then issued a new claim out of a different random court - which I'm still dealing with alone.  This is where I have issues with my old lawyer. He failed to read important legal docs  (which I kept emailing and asking if he was dealing with) and  also didn't deal with something crucial I pointed out.  This lawyer had the lender in a corner and he did not act. Evidence shows lender and receiver strategy had been ....  Redact and scan said evidence up for others to look at?   I could.  But the evidence is clear cut.  Receiver email to lender and lender lawyer: "our strategy for many months  has been for ceo to get the property".  A lender is not allowed to influence the receivership.   They clearly were.  And the law firm were complicit.  The same firm representing the lender and the ceo in his personal capacity - conflict of interest?   I  also have evidence of the lender trying to pay a buyer to walk.  I was never supposed to know about this.  But I was given copies of messages from the receiver "I need to see you face to face, these things are best not put in writing".  No need to divulge all here.  But in hindsight it's clear the lender/ receiver tried - via 2 meetings - to get rid of this buyer (pay large £s) to clear the path for the ceo.   One thing I need to clarify - if a receiver tells a lender to do - or not to do - something should the lender comply? 
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New Service charges on RBos accounts?


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Hi,

I've just received my statements through the post for my graduate account with RBoS & have received with the statements, notification that a £10 payment will be debited from my account later on this month for service charges. I have never made this payment before & I've not received any prior warning of this from the bank. Has anyone else with RBoS received anything like this & do you know if this is a new thing?

Will be writing to 'comment' on this tomorrow but would prefer to know if this is a common practice or not. I never received any T&Cs for the account when I opened it so cannot check. They nearly caught me out with a separate account a while ago on something mentioned in T&Cs which I never had so wasn't aware of. Despite my attempts to get them to send me the T&Cs on that account I've still not had them.

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Hi there yes i have been getting this for months now i recieve a statment like letter saying i will be charged a £10 service charge on some date in the next month i thought this was something everyone got because i don't have a clue what this is for!!!!!!

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Either of you got a Royalties account? 10 pound could be your charge for Royalties. Apart from that I don't really know. RBS are gits for not disclosing what charges are for they just sweep them all under one category of "service charge".

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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Here is a link to all charges for RBS, I am in the process of compilinhg a list of fees. I have just checked on their web site and I is not a fee for any royalty account as far as I can see or their IPCA,student or Key account.

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/57649-rbs-list-all-charges.html

RBS: Royalties Current Accounts - Royalties Premier Account

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I is not a fee for any royalty account

 

 

Eh :confused::D

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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Course it's not - was thinking it was the Gold charge but that's 12 now isn't it?

 

Your best bet is to simply ring up the branch. Ask them what the charge is, why you've been charged it and how you can stop it in future. Would be interested to hear your findings....

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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Sorry i tell a lie ive just looked at my statement and its a route 21 current account!!! and i have a copy of one of the £10 charge letters it says service charge for 21 november to 21 december 2006 the service charge will be deducted on the 7 of january 2007 this charged is based on a maintanenace charge of £10. charges will be deducted automatically. i get this nearly every month i thought everyone got it.

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Don't know much about R21s. Have you got an terms & conditions leaflets that might explain? Failing that easiest thing to do is like I said above, ring the branch or direct banking.

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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Mine's a graduate account which I've held with them for about 16 months. This is the first time this charge has come up & the 'advice' letter is just the same as babyblue's.

 

The only thing I can think it might be is a charge for their having to charge us i.e. due to our 'negligence' they have to 'put more time' into 'looking after' the account. The reason I was wondering about this is that this is the first time I've had a SO returned & charge put on this account & it seems a bit of a coincidence that it's at the same time I'm charged my first 'maintenance' fee.

 

Will be sending letter off tomorrow asking them under what authority they're levying this charge & asking them to send me a copy of my T&Cs.

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  • 3 weeks later...

Yep, you're right. Went over my limit by 49p for one day. Wrote very strong letter to them before I saw Nattie's post asking under what authority they were 'levying this charge on my account' & asking them to send me a copy of my T&Cs that I never got when I opened the account. Got quite a humble letter back which made me laugh, an apology, withdrawal of charge & the T&Cs.

 

Cheers for the help guys

 

Oh, and babybluex82x you might want to look at getting these back as they are not 'maintenance charges'

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