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)


+ Reply to Thread
Results 1 to 14 of 14
  1. #1
    Basic Account Holder golfmaniac Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Feb 2007
    Posts : 5 (0.00 post per day)

    Question A long road?

    Hey everybody,

    I've just printed out my first letter asking for all my charges in the past six years. I've just left the airforce and I can say right now that my money management wasn't the best. I was regularly overdrawn and when out of the country lots of charges were accrued. (135) in three days at one point last year. I'll keep you all updated as to what I'm owe and how things go. Wish me luck.

    This site has made me feel like I think everyone should feel. The banks are there to help us, not the other way around. It's our money, we've worked hard for it so what gives them the right to grossly overcharge what is often a minor misjudgement or error.

    Lets get at them.

    Similar Threads:

  2. #2
    Basic Account Holder rss1979 Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2006
    Posts : 60 (0.01 post per day)

    Default Re: A long road?

    Hi golfmaniac and welcome.

    Best of luck!

    "If you owe the bank 100 pounds, you're the one with the problem. But if you owe a million pounds, the bank's the one with the problem."

    Lord John Maynard First Baron Keynes of Tilton.

    "If you owe the bank $100, that's your problem; if you owe the bank $100 million, that's the bank's problem".

    John Paul Getty
    Follows
    0
    Following
    0

  3. #3
    Basic Account Holder golfmaniac Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Feb 2007
    Posts : 5 (0.00 post per day)

    Default Re: A long road?

    Posted my letter asking for a list of charges today. So am I right in thinking I should have them in my hand my 1st of April at the latest? I'm dreading taking them on but i'm encouraged by how much success other people have had!


  4. #4
    Basic Account Holder golfmaniac Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Feb 2007
    Posts : 5 (0.00 post per day)

    Exclamation Re: A long road?

    Just wiondering. What's the quickest anyone's had their money refunded? And Has anyone ever been offered the full amount before going to court? I don't know if I could cope with that. that puts the fear right up me!


  5. #5
    Basic Account Holder bluelife09 Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Feb 2007
    Posts : 23 (0.01 post per day)

    Default Re: A long road?

    Hi Golfmaniac

    I wouldn't start spending the money just yet. I posted my SARicon 18 days ago, and have yet to even get my statements. I gather RBoS is snowed under with claims, so you may have a long wait. The good thing is it gives you loads of time to research your next steps, including court, if it comes to that. Don't worry too much though there are loads of very clever people here to help you, and we are all going through this together.


  6. #6
    Basic Account Holder golfmaniac Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Feb 2007
    Posts : 5 (0.00 post per day)

    Cool Re: A long road?

    Cheers fella. I'm about to go on my training copurse for my ne job you see so I'll have to make sure everything's done in time and on time with that. I'll be going offshore as well every two weeks so I'll have to be careful with my timings


  7. #7
    Basic Account Holder Me.x Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2006
    Posts : 58 (0.01 post per day)

    Default Re: A long road?

    It seems to be getting longer before settlement on the larger claims. Think that's purely due to volumes going for it now. Try not to worry about the court thing, there is so much help on here. With my particular case it appeared that as soon as I got a court date (30th May) Cobbetts paid straight up in full. Their letter stating that "Although our client maintains its position as stated in these letters, and is confident that it will be successful at a final hearing, its legal fees will almost certainly outweigh the value of the claim".. so they paid me 3k... so keep going... keep to your timescales and you'll be fine!... Good Luck!

    RBS - Settled in full -3k
    Follows
    0
    Following
    0

  8. #8
    Basic Account Holder loki187 Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 77 (0.02 post per day)

    Default Re: A long road?

    Hiya, just wasnted to head you to my thread for some encoragement. I claimed back 5044.00, and fof the top of my head, I think that the whole of my claim took just over a month. Good luck with your training.

    Michelle


  9. #9
    Basic Account Holder golfmaniac Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Feb 2007
    Posts : 5 (0.00 post per day)

    Default Re: A long road?

    Got my SARicon back on friday. Gona go thru it today and add it all up. I take it i then send my initial letter back asking for the money?what's the timescale on that? and should I send it to my local branch or the head office in edinburgh?


  10. #10
    Basic Account Holder Essix Blue Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Feb 2007
    Posts : 83 (0.02 post per day)

    Default Re: A long road?

    send it to
    Customer Relations Manager
    The Royal Bank of Scotlandicon plc
    Freepost
    PO Box 1727
    Edinburgh
    EH12 9JN


    remember to send it recorded delivery - you give them 14 daqys to respond (they probably won't) then you send the letter before actionicon.

    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
    Follows
    0
    Following
    0

  11. #11
    Basic Account Holder sn00psmum Novitiate sn00psmum's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Jan 2007
    Posts : 263 (0.07 post per day)

    Default Re: A long road?

    Hi, just a thought, I don't think you can send Recorded or Special delivery to a PO box as no one there to sign for it, I may be wrong though!

    All mine went to:

    Customer Relations Unit
    Retail Support
    The Forthstone
    56 South Gyle Crescent
    Edinburgh
    EH12 9LE

    Hope that helps!
    SM

    Paying interest on a loan caused by penalty charges? Read this!!


    Very useful A-Z here:
    http://www.consumeractiongroup.c o.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html?highlight=can% 27t+find+what+you%27re+lo oking+for%3F

    New strategy for Scots claims here:
    http://www.consumeractiongroup.c o.uk/forum/scotland/71013-urgent-attention-please-read.html

    Scottish procedure:
    http://www.consumeractiongroup.c o.uk/forum/royal-bank-scotland/42620-scottish-procedure.html

    I am a layperson not a legal expert, my advice is offered without prejudice or liability, it is purely my opinion based on personal experience and should be treated as such. If in any doubt seek the advice of a qualified professional.
    Follows
    0
    Following
    0

  12. #12
    Site Team The Consumer Action Group MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative



    Follow Real_CAG on Twitter
    Cagger since : May 2006
    Posts : 55,218 (13.08 post per day)

    Blog Entries
    4

    Default Re: A long road?

    Send to the registered office yes.
    Po.Box is fine......It is the serving of court docs thats a prob for a PO Box in Particular online HMCS.
    If in doubt check the latest contact details which are shown at the header in every bank group.
    The main concerns should be what lies ahead......Cobbetts but there is more than enough info here to deal with that !!

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






    Follows
    0
    Following
    0

  13. #13
    Basic Account Holder felix24 Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Feb 2007
    Posts : 14 (0.00 post per day)

    Default Re: A long road?

    Hi

    I wrote a polite letter to my bank (RBSicon) on the 2nd of March.

    there are 2 accounts involved, one of which we've been charged 334 and the other 7400!! (had two very bad years).

    I received the usual letters 14 days later - "our charges are fair and transparent etc..... I was getting really worried until I turned to page two of these letters - "as a gesture of goodwillicon and without admission of wrong doing we are prepared to make you an offer of ...... in Full and finalicon settlement of your claim".

    I am over the moon to say the least. They have offered us EVERY PENNY back!

    I'm presuming this is becuase we've banked with them for over 20 years, I have to say I was so worried they may close our account but it's all been very polite, and extremely quick. I jsut hope they're as quick putting the moneys back into my account as I've spent it already! lol

    Holly


  14. #14
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    isidore Informative isidore Informative isidore Informative isidore's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Aug 2006
    Posts : 1,616 (0.39 post per day)

    Default Re: A long road?

    Wow! That's an amazing result considering the amounts. Congratulations. Don't forget to fill out the survey (at the top).

    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!!!
    Follows
    0
    Following
    0


Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details