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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    Thumbs up Success: Received a full refund :)

    I only had to send one letter. Within one month they responded with letters apologising for the delay & stating that they were investigating. A letter arrived this morning giving me a full refund of all charges to my account covering the last 6 yearsicon as asked for. They have also withdrawn the default notice. Without me asking, they also added a further 100 as compensation for any inconvenience!!

    A total success. Thank you !!

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  2. #2
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    Thumbs up Re: Success: Received a full refund :)

    Excellent news! Pls don't forget to fill th esurvey to encourage others:

    http://www.consumeractiongroup.co.uk/survey.php

    Thanks!


  3. #3
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    Default Re: Success: Received a full refund :)

    survey completed

    Now to try my luck with some other debts


  4. #4
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    Default Re: Success: Received a full refund :)

    Hi Shortcake how much was your total that you reclaimed?


  5. #5
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    Default Re: Success: Received a full refund :)

    It was 1095.00, didn't get it physically though, they just knocked it off the money I owe them.


  6. #6
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    Default Re: Success: Received a full refund :)

    Thats excellent! What bank did you claim from? and what did you write in the letter you sent?


  7. #7
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    Default Re: Success: Received a full refund :)

    It was RBSicon, I used the template on here & tweaked it to suit my circumstances. I got the refund because they couldn't explain the service charge. As a student they shouldn't have been charging this. They admitted making a mistake.


  8. #8
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    Default Re: Success: Received a full refund :)

    I am also with RBSicon and have been a full time student for the past 4 years, what parts of the letter did you change? Did you just point out that you were a student?


  9. #9
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    Default Re: Success: Received a full refund :)

    Great result Shortcake, go on NLSneddon get that letter sent

    Prelim sent May '06
    LBA sent June '06
    Fob off now rec'd to the prelim
    Copy of fob off now rec'd as response to LBA!
    Full repayment of all charges since 1997 now received.
    Account Closed

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  10. #10
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    Default Re: Success: Received a full refund :)

    Congratulations! If you don't mind me asking what did the service charge appear as on your statements? I've just received my statements going back to when I was a student and there is a mysterious 10 charge each month that I'm trying to figure out.

    RBS:
    Data Protection Act request sent 6/6/06
    Prelim sent 23/6/06 - no response
    LBA sent 10/7/06
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  11. #11
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    Default Re: Success: Received a full refund :)

    Yes it's a 10 charge. My description was something like 'chg to 16sep'
    usually notified the previous month as a service charge that's going to be applied. As a student you shouldn't be getting a service charge. I did query it when I was a student & the girl in the bank said it was because i'd gone over my limit. Obviously she was wrong.

    Good luck!!



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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