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)


+ Reply to Thread
Results 1 to 13 of 13
  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    thegujju Novitiate



    Follow Real_CAG on Twitter
    Cagger since : May 2006
    Posts : 19 (0.00 post per day)

    Default **S Smith vs RBS** ....some qus please.

    Have two accounts with RBSicon...Student and Savings - I imagine I've run up charges of nearly £2k on the Student one and probably £200 or so on the other.

    Anyhow, Wrote to both branches (student account was opened up in Scotland and Savings was opened where i live now, in England) on the 20th Dec. Had no reply so decided to ring both branches today - both said that no letter had ben received but they would request statements and I should expect them within 7 days.

    Browsing through the forum I see people have been making seperate claims when they have two accounts with the one bank. Is there anything wrong with me doing it all under the same one claim?

    Also, I would prefer to take the complaint directly to customer relations (as opposed to going through branch).....should I address my letter simply to 'cust relations' or could I use a person such as 'Tommy McLean" who I understand deals with a lot of these.

    Sorry if these qu's appear silly - its just that I'm a bit nervous at 'taking on' a bank.

    Thanks!

    Similar Threads:

  2. #2
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    isidore Informative isidore Informative isidore Informative isidore's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Aug 2006
    Posts : 1,616 (0.37 post per day)

    Default Re: **S Smith vs RBS** ....some qus please.

    No reason you can't merge claims.

    Bear in mind if you are now in scotland, small claimsicon court has a limit of £750 so would need to split your claims down into pieces.

    I used the customer relations address on the RBSicon website that you should write to if you have a complaint.

    __________________

    If I've been help to you, click on my scales and add to my rep!
    __________________

    Stuck with RBS charges?
    Click here!!

    Settled
    RBS Current Account1 £2794
    RBS Current Account2 £503
    HBOS Credit Card £498

    Still to Settle
    Barclaycard Est£180

    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!!!
    Follows
    0
    Following
    0

  3. #3
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    thegujju Novitiate



    Follow Real_CAG on Twitter
    Cagger since : May 2006
    Posts : 19 (0.00 post per day)

    Default Re: **S Smith vs RBS** ....some qus please.

    Thanks for that.

    Recieved the statements for my student current account today and the charges come to £700. Should get the statements for my other account in the next couple of days. I estimate the charges for that one will be around £500.

    I have a small concern though....My student overdraft limit is 2k and I generally operate close to that limit each month. What is the possibility of RBSicon calling in the overdraft once I make this claim? This would be a MAJOR problem for me since I wouldnt have the funds to pay this off (at the moment anyway).

    Cheers,
    S


  4. #4
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    isidore Informative isidore Informative isidore Informative isidore's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Aug 2006
    Posts : 1,616 (0.37 post per day)

    Default Re: **S Smith vs RBS** ....some qus please.

    I don't really know.....we can't second guess the banks. They might, they might not.

    If you don't muck up and go over your overdraft they don't really have any reason to.

    I wouldn't like to say categorically no they won't because they could if they wanted to. Do a bit of reading, search for keywords relating to your questions see what comes up.

    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!!!
    Follows
    0
    Following
    0

  5. #5
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    smithsu01 Novitiate smithsu01's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Aug 2006
    Posts : 33 (0.01 post per day)

    Default Re: **S Smith vs RBS** ....some qus please.

    All I know is my experience - I, like you operate fairly close to my £1500 overdraft so this was also a concern of mine. Just after I started this process I received a lettericon requesting I go into the bank to discuss my overdraft facility....'here we go' I thought but when I phoned them they tried to make out it was my annual review but thankfully I could remember when that was due and it wasn't due for another 6 moths so I pointed this out, made her tell me it must be a mistake and asked her to show this on my file. I then phoned back later that day and asked someone else who confirmed it had been done. I haven't heard anything else.
    In saying that I'm due my claim from them soon so maybe the tone will change when I have money they can take back off me!!

    RBoS - claiming charges of £3868
    17/1/07 - Offer for full amount!! WON!!
    3/1/07 - LBA Deadline - reminder e-mail sent
    16/12/06 - LBA Sent
    27/11/06 - Prelim Letter Sent - no reply at all
    17/11/06 - Statements received
    12/10/06 - S.A.R - (Subject Access Request) Sent
    Follows
    0
    Following
    0

  6. #6
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    thegujju Novitiate



    Follow Real_CAG on Twitter
    Cagger since : May 2006
    Posts : 19 (0.00 post per day)

    Default Re: **S Smith vs RBS** ....some qus please.

    Thanks for your replies....I guess this is a risk I'll just have to take. Received second set of statements today and total charges come to £1100ish (wont put the exact amount here in case RBSicon are watching - lol). Going to mail my initial letter in an hour or so to Cust Relations at South Gyle.

    Will keep y'all updated as and when I hear anything!!


  7. #7
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    missm Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2006
    Posts : 219 (0.05 post per day)

    Default Re: **S Smith vs RBS** ....some qus please.

    Open a parachuteicon!


  8. #8
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    thegujju Novitiate



    Follow Real_CAG on Twitter
    Cagger since : May 2006
    Posts : 19 (0.00 post per day)

    Default Re: **S Smith vs RBS** ....some qus please.

    Well today was my deadline (gave them 10 working days) and thus far nothing from RBSicon. I emailed sandy watt a few days ago who said, "because of the volume, we do not ackowledge letters however I can confirm we have reveived your and expect a response in the near future".....Going to fire off lbaicon before 5pm today - can I also email the lbaicon?


  9. #9
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    missm Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2006
    Posts : 219 (0.05 post per day)

    Default Re: **S Smith vs RBS** ....some qus please.

    I sent my Prelim the same day you did and recieved an offer for the full wack today!! you can do it all via email if you like, saves the cost of postage.


  10. #10
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    thegujju Novitiate



    Follow Real_CAG on Twitter
    Cagger since : May 2006
    Posts : 19 (0.00 post per day)

    Default Re: **S Smith vs RBS** ....some qus please.

    Quote Originally Posted by missm View Post
    I sent my Prelim the same day you did and recieved an offer for the full wack today!! you can do it all via email if you like, saves the cost of postage.
    Congrats & well done!!

    I think I may just email them now.....saves the trek to the PO in this freezing weather!


  11. #11
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    telewest Informative telewest Informative telewest Informative



    Follow Real_CAG on Twitter
    Cagger since : Jul 2006
    Posts : 147 (0.03 post per day)

    Default Re: **S Smith vs RBS** ....some qus please.

    edited

    Follows
    0
    Following
    0

  12. #12
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    thegujju Novitiate



    Follow Real_CAG on Twitter
    Cagger since : May 2006
    Posts : 19 (0.00 post per day)

    Default Re: **S Smith vs RBS** ....some qus please.

    And I won!

    Offer of full refund received from T McLean on Saturday 10th. Mailed it back special delivery which got there on the 12th so just awaiting them putting the money back into the account now (does anyway know if they are pretty quick at this?).

    So it only took about 15 days in total.

    Thanks to all at CAGicon. Will be making a donationicon once the funds hit my account.

    Follows
    0
    Following
    0

  13. #13
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    missm Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2006
    Posts : 219 (0.05 post per day)

    Default Re: **S Smith vs RBS** ....some qus please.

    my first claim it took about 4 days from the time I sent my letter fro funds to hit my account.... this time I have sent my letter back on Saturday Feb 10th but still no funds in my account... i like the 2nd class postage envelope they now include with the offer letters
    what they are paying in charges they are saving in post!!



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details