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
    Basic Account Holder domflanuk Novitiate



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    Default Domflanuk vs RBOS

    Prelim sent 14th Feb
    Will follow up on 1st March with lbaicon
    Claimed charges only - not interest on overdraft
    They owe me 230, not much i know but still its better off in my pocket than theirs

    Will update when i hear back!

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  2. #2
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    Default Re: Domflanuk vs RBOS

    Quote Originally Posted by domflanuk View Post
    Prelim sent 14th Feb
    Will follow up on 1st March with lbaicon
    Claimed charges only - not interest on overdraft
    They owe me 230, not much i know but still its better off in my pocket than theirs

    Will update when i hear back!
    Exactly its your cash.






    I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.
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  3. #3
    Basic Account Holder domflanuk Novitiate



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    Default Re: Domflanuk vs RBOS

    Still no reply from prelim letter, i read on the CAGicon newsletter that RBSicon are paying most cases before court stage to save legal fees, hope thats true, lbaicon date is in 3 days!
    Since sending my claim i have been charged 38 on an account for going 1.78 unauthorised overdraft! How they can claim that is fair i just dont know!? I can feel another claim coming on soon!


  4. #4
    Basic Account Holder missm Novitiate



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    Default Re: Domflanuk vs RBOS

    You can add it to your schedule of charges and just amend the amount claimed when you send your lbaicon.


  5. #5
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    Default Re: Domflanuk vs RBOS

    You can add the charges upto filing the claim, once you file the claim you will need to submit a N244icon to amend the claim at a cost of 35 which you can not reclaim. So I suggest if you do have any charges after filing your claim you issue a second claim on completion of your first claim.






    I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.
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  6. #6
    Basic Account Holder domflanuk Novitiate



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    Default Re: Domflanuk vs RBOS

    I am sending lbaicon today, i have amended my schedule to include the new charge and amended my letter as necessary, is there any particular person i should address to or just customer relations dept???


  7. #7
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    Default Re: Domflanuk vs RBOS

    Doesn't really matter, just CR dept. It'll get to the right place. The mailroom will probably have a conveyor belt running to the right department by now lmao!!!!

    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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  8. #8
    Basic Account Holder domflanuk Novitiate



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    Default Re: Domflanuk vs RBOS

    I read a mention of a guy called Mr Mclean???

    I will send my letter this afternoon, any advice before then would be appreciated


  9. #9
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    Default Re: Domflanuk vs RBOS

    Tommy. Well he's the main guy, yes you can send it to him. Makes no difference really. It probably won't be looked at by him directly anyway. I don't know. It's not really a big issue tbh.

    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
    Basic Account Holder domflanuk Novitiate



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    Default Re: Domflanuk vs RBOS

    The address i originally sent prelim letter to was

    RBSicon PLC
    Cust Relations
    Freepost PO BOX 1727
    Edinburgh
    EH12 9JN


    However the address in the contact details section shows

    ROYAL Bank of Scotlandicon PLC
    36 ST ANDREW SQUARE
    EDINBURGH
    EH2 2YB

    Which address have people found to be responsive?


  11. #11
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    Default Re: Domflanuk vs RBOS

    I think the registered address is the one you use when filing your claim. All of my letters went to the Customer Relations address.

    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
    Basic Account Holder domflanuk Novitiate



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    Default Re: Domflanuk vs RBOS

    1st March 07
    lbaicon sent by recorded delivery at 13:30pm


  13. #13
    Basic Account Holder domflanuk Novitiate



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    Default Re: Domflanuk vs RBOS

    Checked Royal Mail website, letter has been signed for

    Strike 2!!!


  14. #14
    Basic Account Holder domflanuk Novitiate



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    Default Re: Domflanuk vs RBOS

    Letter received in response to prelim saturday 5th March
    Settled - Full and finalicon 230
    That must be a record time?
    Well chuffed!!!!



  15. #15
    Basic Account Holder matt-man Novitiate



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    Default Re: Domflanuk vs RBOS

    Hi Domflanuk

    I sent off my prem letter to them on 21st Feb and i too recieved settlement offer this morning for full amount, mine was only 304 so it looks like they are paying these out in double quick time at the moment!
    Matt

    19/02: S.A.R - (Subject Access Request) sent to A & L
    20/02 S.A.R - (Subject Access Request) sent to HBoS
    20/02 SAR sent to Capital One
    21/02 Prem letter sent to RBS for 304
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  16. #16
    Basic Account Holder domflanuk Novitiate



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    Default Re: Domflanuk vs RBOS

    Thats good news for anyone making claims with RBOS, maybe they will fight harder on larger amounts but i am amazed at how quickly they are paying out

    Congrats



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