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
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    abeardedman Novitiate



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    Default Ive been stung,time to sting back

    Hello people,
    Ive spent the last couple of days reading stuff on here, found it very inspiring but also confusing. I seem to be going round in circles trying to find templates of letters etc.
    Do I buy the package for this?
    Is there a standard letter for asking for all bank charges to date?
    Sorry to sound an idiot but once I grasp it things will be ok

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  2. #2
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    Default Re: Ive been stung,time to sting back

    This should have everything you require.

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  3. #3
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    abeardedman Novitiate



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    Default Re: Ive been stung,time to sting back

    I noticed on SARicon letter ther is a 40 day reply option , is this the norm


  4. #4
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    Default Re: Ive been stung,time to sting back

    Yes the statutory timescale to comply with an Access request form is 40 days.

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    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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  5. #5
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    abeardedman Novitiate



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    Default Re: Ive been stung,time to sting back

    Is SARicon letter addressed to my local branch?


  6. #6
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    Default Re: Ive been stung,time to sting back

    Personally, I sent it to the "write here if you have something to complain about" address.

    Customer Relations Manager
    The Royal Bank of Scotland plc
    Freepost
    PO Box 1727
    Edinburgh
    EH12 9JN


    You can refer to my claim for guidance if you like T4FF VS RBS



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  7. #7
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    Default Re: Ive been stung,time to sting back

    hello T4ff,
    Thanks for responding so far, Ive spent a long time on here and things are beginning to come clearer. Its hard to believe that I may actually get something back from the bank. Lets see.
    On the SARicon do i ask for past 6 yearsicon or just send letter as it is word for word?


  8. #8
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    apples Novitiate



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    Default Re: Ive been stung,time to sting back

    does any one know if Royal Bank of Scotlandicon refuse to pay interest but will pay the charges back?


  9. #9
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    Default Re: Ive been stung,time to sting back

    Quote Originally Posted by abeardedman View Post
    hello T4ff,
    Thanks for responding so far, Ive spent a long time on here and things are beginning to come clearer. Its hard to believe that I may actually get something back from the bank. Lets see.
    On the S.A.R - (Subject access requesticon) do i ask for past 6 yearsicon or just send letter as it is word for word?
    Just send the letter as it reads, as above the guide should explain it all to you. If you read it thoroughly it should answer a lot of your questions!

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    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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  10. #10
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    Default Re: Ive been stung,time to sting back

    Quote Originally Posted by apples View Post
    does any one know if Royal Bank of Scotlandicon refuse to pay interest but will pay the charges back?
    I claimed and received interest.....

    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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  11. #11
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  12. #12
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    Default Re: Ive been stung,time to sting back

    Well that really does depend on what interest he is referring to........

    If it is OVERDRAFT interest (or contractual interest I think, but not sure), then this is claimed at prelim stage. The 8% statutory interest is added at court stage as you say.

    There is a difference

    Apples, I would advise you start your own thread Apples VSicon RBSicon and ask your questions there. Scuse the hijack beardy....

    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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