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 any more opinions on this?

    January RBSicon overdarft of £1100 now ( and no doubt rising ) Bank charges are £900 of this! If I put money in it just gets soaked up. They stitched me up last year once also. Do I just stop using it? I can open another account with other bank I use. What will RBs do if I stop using the account? Do I say it is in litigation?
    I'm about to write SARicon letter to Customer relation manager in Edinburgh (freepost po box address ) Is this the best place to write?
    I'm based in Essex.

    Similar Threads:

  2. #2

    Default Re: any more opinions on this?

    I would move to the other account, however the bank will not stop issuing charges even if the account is in disputeicon....but you can just claim them all back later.

    It's likely that if you stop paying in to the account they will very quickly cotton on and then its off to credit management....it now depends on your personality to be able to fend them off.

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  3. #3

    Default Re: any more opinions on this?

    By the way....how many threads relating to this have you got going?

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  4. #4

    Default Re: any more opinions on this?

    Quote Originally Posted by HydraUK View Post
    By the way....how many threads relating to this have you got going?
    Hello hydra,
    I'm still learning about these threads, I think I may have one other that I started a week or so ago. I usually post a new message when asking a question. I that right way or... ?
    Ive spoken to about 4 people at bank in last week , all of them seem to be oblivious to the other!
    Last guy was yesterday who suggested I take a loan out to cover overdraft. Just giving them more money it seems. Wrote a letter to manager last weekend asking for cooperation, still waiting for official answer


  5. #5

    Default Re: any more opinions on this?

    Hey beardy, if £900s of this is charges, I wouldn't even bother seeking help. All the branch will be after is more of you money (in the shape of a consolidation loan). Stop using the account, start a claim and get the overdraft cleared by RBSicon.

    If you're not sure how, start with the step by step & user guides in the FAQs section.

    As for asking questions, best to keep it all in one thread so ppl can see your progress!!

    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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  6. #6

    Default Am I doing this correctly

    To keep my thread going do I send through this reply box?


  7. #7

    Default Re: any more opinions on this?

    I'm getting conflicting suggestions as to which address to ask for my SARs from RBSicon. I'm based in Essex. Is the Tom Mclean one the best?


  8. #8

    Default Re: any more opinions on this?

    I sent my request to my own branch recorded delivery, had no problems there!


  9. #9

    Default Re: Am I doing this correctly

    Quote Originally Posted by abeardedman View Post
    To keep my thread going do I send through this reply box?
    Yes!

    Quote Originally Posted by abeardedman View Post
    I'm getting conflicting suggestions as to which address to ask for my SARs from RBSicon. I'm based in Essex. Is the Tom Mclean one the best?
    I sent mine to the customer relations address from the contact us page of the RBS site, don't think it makes much of a difference with the first one. Just reply to whoever writes to you from then on. Makes sure everything goes recorded too!!

    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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  10. #10

    Red face Time to start the ball rolling

    Hi there people,
    Ive got a couple of other accounts set up now. Also recieved my pretty consumer action group stickers, thank you very much for them.
    My SARicon letter goes off tomorrow ( recorded ).
    Why are we always so worried with first bite!

    Anyway here goes, wish me well people. Encouragement always appreciated.
    By the way I've already been totally misquoted by staff at bank when i sent letter to manager, so that has to be replied to also.
    I suggest that everyone takes names and dates when speaking to staff. They may be human but they do work for banks!!


  11. #11

    Question SUggestions / advise please

    Hi there,
    Any suggestion for this.
    SARicon Letter went off today but also got polite letter from the glasgow RBSicon collection office asking about my overdraft.
    I was replying today to my local branch asking to stop d\d's and standing orders till further notice.
    Should I tell them I am claiming or let them find out themselves?


  12. #12

    Default Re: any more opinions on this?

    Hi there,
    Any suggestion for this.
    S.A.R - (Subject access requesticon) Letter went off today but also got polite letter from the glasgow RBSicon collection office asking about my overdraft.
    I was replying today to my local branch asking to stop d\d's and standing orders till further notice.
    Should I tell them I am claiming or let them find out themselves?


  13. #13

    Default Re: any more opinions on this?

    just tell them the account is in disputeicon.


  14. #14

    Default Re:Another automated letter received

    Any opinions please.
    Just got a second auomated letted form RBSicon Collection centre in Glasgow claiming that they have been trying to contact me over last few days. Oddly enough we have had no calls whatsoever left on answerphone nor any of household taking messages. Methinks they are fibbing otherwise surely they would leave a message like my local branch always does.
    Letter says this problem must be dealt with withing next seven days. They also suggest that cheque books and cards should be returned!

    I am going to hand deliver a letter to ' friendly services manager' at local branch saying that account is now in dispute about charges and awaiting info from their head office.
    Will also do same to Collection centre and ask them not to send any more automated letters.
    Ive already stopped all standing orders & d/ds.

    ANY SUGGESTIONS?


  15. #15

    Default Re: any more opinions on this?

    Re:Another automated letter received
    ------------------------------------------------------------------------
    Any opinions please.
    Just got a second auomated letted form RBSicon Collection centre in Glasgow claiming that they have been trying to contact me over last few days. Oddly enough we have had no calls whatsoever left on answerphone nor any of household taking messages. Methinks they are fibbing otherwise surely they would leave a message like my local branch always does.
    Letter says this problem must be dealt with withing next seven days. They also suggest that cheque books and cards should be returned!

    I am going to hand deliver a letter to ' friendly services manager' at local branch saying that account is now in dispute about charges and awaiting info from their head office.
    Will also do same to Collection centre and ask them not to send any more automated letters.
    Ive already stopped all standing orders & d/ds.

    ANY SUGGESTIONS?

    *


  16. #16

    Default Re: any more opinions on this?

    I got that during my first claim. I phoned collections and told them I was in the process of claiming and the account was in dispute.. they said fair enough and said dont worry about it..


  17. #17

    Default Something of interest for others perhaps

    I received a couple of automated letters from bank collection asking for cheques and cards to be returned etc. Obviuosly got a bit worried so phoned them up and told them I was in dispute about charges.
    The very nice lady said , oh dont worry about it, we will freeze any more letters and action until end of March. By then she said my charges should have been sorted and repaid and back on track ( i havent got to second phase yet!). She was well aware of situation and said that hundreds were doing it.
    So to others on here, dont get frightened by letters, phone them up , write to them and hopefully things will happen.


  18. #18

    Default Re: any more opinions on this?

    Hello people,
    Opinions please.
    I had a phone callicon on a Sunday morning today from Nottingham Collections office asking about my overdaft problem. This was after already speaking to two other staff earlier in week who confirmed that because I was in dispute with them at head office they will not be pestering me until the end of March.
    This particular person on Sunday ( today ) was suggesting that they extend my current overdraft temporarily for 9 months so long as I pay back £xxx per month until it is paid up. At present I have cancelled all dds and standing orders with them and will not use their services until this has all been resolved. They still will be charging me £28 month ( gold account ) for just having it sitting there. Should I take up this offer you think? As a delaying action?
    She also blamed me politely for the charges because I didnt have sufficient funds at time ( which is true ) but I just said it was the extortinate cost of charges that put me in the position once I went over.
    Its only been 10 days since I requested past charges ( SARicon), how long do they usually take?


  19. #19

    Default Re: any more opinions on this?

    Hello people,
    Opinions please.
    I had a phone callicon on a Sunday morning today from Nottingham Collections office asking about my overdaft problem. This was after already speaking to two other staff earlier in week who confirmed that because I was in dispute with them at head office they will not be pestering me until the end of March.
    This particular person on Sunday ( today ) was suggesting that they extend my current overdraft temporarily for 9 months so long as I pay back £xxx per month until it is paid up. At present I have cancelled all dds and standing orders with them and will not use their services until this has all been resolved. They still will be charging me £28 month ( gold account ) for just having it sitting there. Should I take up this offer you think? As a delaying action?
    She also blamed me politely for the charges because I didnt have sufficient funds at time ( which is true ) but I just said it was the extortinate cost of charges that put me in the position once I went over.


  20. #20

    Default Re: any more opinions on this?

    What is it with all the double posts lol!?!?

    I'd be very cautious about accepting an extended overdraft. If you are short of money, due to charges, why don't you open a new account elsewhere and have your money paid in to their instead until you get your claim sorted out?

    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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