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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    Default Essix Blue v RBS

    Ok I like most am a relative newby to this (was recommended to do it by a friend)

    I've already asked for (and received within 8 days) my 6 yearsicon of statements for the TWO RBSicon accounts I hold.

    Just trawling through them now and totting up the charges.... but a couple of questions if anyone can help!

    1) Can I claim back the monthly charge for my arranged overdraft (this amount varies monthly, usually around 25)?

    2) Can I claim back interest charged for my O.D.?

    3) When I submit my 2nd letter, outlining the charges I'm claiming back, do I have to list each and every charge seperately???

    Thanks.

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  2. #2
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    Default Re: Essix Blue v RBS

    Hi EB,

    Quote Originally Posted by Essix Blue View Post
    1) Can I claim back the monthly charge for my arranged overdraft (this amount varies monthly, usually around 25)?
    No this is an agreed charge and is therefore unclaimable.

    Quote Originally Posted by Essix Blue View Post
    2) Can I claim back interest charged for my O.D.?
    Yes, but only a portion of it. Full explanation of how / what to do is here. Also gives you pointers on building up your claim sheet.

    Quote Originally Posted by Essix Blue View Post
    3) When I submit my 2nd letter, outlining the charges I'm claiming back, do I have to list each and every charge seperately???
    You will need to send them a statement of your charges, there is a link to a spreadsheet to use in the link I provided in Q2. On here, you outline each charge seperately including description, date and amount so that you have an account of what you are claiming.

    Good luck compiling your prelim and don't be afraid to ask for help along the way!

    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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  3. #3
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    Default Re: Essix Blue v RBS

    Quote Originally Posted by T4FF View Post
    Hi EB,


    No this is an agreed charge and is therefore unclaimable.
    after reading further, I realise that being a RBSicon Royalties Gold account holder, I'm subject to a charge of 12 per month for the 'privilege'.

    However, my 12 charge increases to 25, sometimes 30 per month if I've incurred other charges that month. Can I claim the difference (i.e. 13 / 15 back from them??


  4. #4
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    Default Re: Essix Blue v RBS

    After totting up, for 2 accounts, the total I'll be claiming back (without interest) is approx 3200


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    Default Re: Essix Blue v RBS

    Quote Originally Posted by Essix Blue View Post
    However, my 12 charge increases to 25, sometimes 30 per month if I've incurred other charges that month. Can I claim the difference (i.e. 13 / 15 back from them??
    Yes. Again, this is outlined in the link I gave you above

    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
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    Default Re: Essix Blue v RBS

    Good luck Essix Blue


  7. #7
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    Default Re: Essix Blue v RBS

    Quote Originally Posted by T4FF View Post
    Yes. Again, this is outlined in the link I gave you above
    ok - thanks for the link, I've downloaded the spreadsheet and begun to enter the charges...

    BUT

    I'm still confused as to interest!! As I understand it....

    In the Charges and Interest tab, I enter the charges AND I can calculate the interest charged by going O.D. and claim this interest back, yes? I.E. if for 1 month I was charged 40, the interest I paid on that 40 can be claimed back?

    Now, the s69 interest and / or daily interest, do I only calculate this (and include it in my claim) IF I issue court proceedings??????

    Thanks in anticipation of you reply (and thanks for the goodwill messages)


  8. #8
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    Default Re: Essix Blue v RBS

    update...

    I've got halfway through inputing my charges and interest charges.....

    I'm really confused how it all adds up. Some months if I'm 1400 OD (250 is interest free) and I'm charged say 13 interest, it calculates I've paid 13 interest on penalties that month even if there have been NO penalties?!?!?!?

    At the moment, interest on penalties is running at approx 20% of the penalties total, does that sound correct??


  9. #9
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    Default Re: Essix Blue v RBS

    Quote Originally Posted by Essix Blue View Post
    In the Charges and Interest tab, I enter the charges AND I can calculate the interest charged by going O.D. and claim this interest back, yes? I.E. if for 1 month I was charged 40, the interest I paid on that 40 can be claimed back?

    Now, the s69 interest and / or daily interest, do I only calculate this (and include it in my claim) IF I issue court proceedings??????
    Both questions are correct.

    Quote Originally Posted by Essix Blue View Post
    I'm really confused how it all adds up. Some months if I'm 1400 OD (250 is interest free) and I'm charged say 13 interest, it calculates I've paid 13 interest on penalties that month even if there have been NO penalties?!?!?!?
    Hmmm, not sure top of my head. Feel free to email me your spreadsheet so I can have a quick scan to check it is working correct.

    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
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    Default Re: Essix Blue v RBS

    Quote Originally Posted by T4FF View Post
    Both questions are correct.



    Hmmm, not sure top of my head. Feel free to email me your spreadsheet so I can have a quick scan to check it is working correct.
    emailed.


  11. #11
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    Default Re: Essix Blue v RBS

    Looks fine to me.

    The spreadsheet looks at the cumulative charges amount as @ time of interest charge hence the figures in months where no charge exists.

    I would think it runs on the assumption that you haven't cleared your charges from one month to the next...

    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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  12. #12
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    Default Re: Essix Blue v RBS

    I had a claim against RBSicon and they offered to settle in full within 10 days of issuing the preliminary letter for a sum similar to yours, but no interest. I was amazed given the battles I seem to be having with the other banks.

    If I have been helpful please click on my star and add a comment.
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  13. #13
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    Default Re: Essix Blue v RBS

    Quote Originally Posted by GuidoT View Post
    I had a claim against RBSicon and they offered to settle in full within 10 days of issuing the preliminary letter for a sum similar to yours, but no interest. I was amazed given the battles I seem to be having with the other banks.
    for how much (if you don't mind saying)?

    Request for statements sent 1/2/07

    Statements received 10/02/07

    Prelim emailed and posted 15/02/07

    Prelim email received 15/02/2007
    Prelim letter signed for 16/02/2007
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  14. #14
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    Default Re: Essix Blue v RBS

    4K.

    If I have been helpful please click on my star and add a comment.
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  15. #15
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    Default Re: Essix Blue v RBS

    Quote Originally Posted by GuidoT View Post
    4K.
    cool.

    I'm ready to send my Prelim - just don't know what to do about the interest....

    My charges total about 2500

    OD Interest on those charges is approx 600

    But if I stick on comunalitive interest at 29.9% the whole lot totals over 7K!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!

    Request for statements sent 1/2/07

    Statements received 10/02/07

    Prelim emailed and posted 15/02/07

    Prelim email received 15/02/2007
    Prelim letter signed for 16/02/2007
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  16. #16
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    Default Re: Essix Blue v RBS

    ??

    Comunalitive?

    Hee Hee!

    Contractual you mean surely?!?!?




    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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  17. #17
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    Default Re: Essix Blue v RBS

    Quote Originally Posted by T4FF View Post
    ??

    Comunalitive?

    Hee Hee!

    Contractual you mean surely?!?!?


    You see? I'm that confused I even type it wrong.

    Any advice on which way I should go??????

    Request for statements sent 1/2/07

    Statements received 10/02/07

    Prelim emailed and posted 15/02/07

    Prelim email received 15/02/2007
    Prelim letter signed for 16/02/2007
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  18. #18
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    Default Re: Essix Blue v RBS

    If you are ready and feel comfortable with a battle then claim everything.

    If you want your money quickly, albeit a lesser sum then leave interest off your preliminary letter.

    Although I do not know RBSicon, they well they may still offer you the base charges even if you ask for interest as well.

    The choice however is a personal one. Think about it and decide tomorrow.

    I have a mixed bag of claims, one I am claiming charges back 10 years and contractual interest and others just the 8% statutory (and of course the charges).

    If I have been helpful please click on my star and add a comment.
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  19. #19
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    Default Re: Essix Blue v RBS

    Its something you need to decide upon, read through peoples threads that are claiming contractual and see what experiences they are having. You might want to go through the extra work, you might not.

    A couple of threads that are going through Contractual Interest claims with RBSicon at the moment are mcuth and livelylad. Find their threads and read up on what has happened. These are live claims and are quite detailed so should get a lot of info from them....

    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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  20. #20
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    Default Re: Essix Blue v RBS

    Are there ANY examples of claims including contractual interest that have been won?

    It'd be interesting to read their stories...

    Request for statements sent 1/2/07

    Statements received 10/02/07

    Prelim emailed and posted 15/02/07

    Prelim email received 15/02/2007
    Prelim letter signed for 16/02/2007
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