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 emmm is this normal?

    i wrote to royal bank asking for list of charges on 12 march. got a letter today offered 1490 without ever seeing statements. is this likely to be full amount? seems strage to offer without letting me see statements. im v pleased with this offer but wonder if it may be substanitially more given their quick offer. any ideas?
    Ta Fi


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    Default Re: emmm is this normal?

    It's not usual at all! Very strange!

    I'd be inclined to wait for your statements and progress that as you would normally and ignore this. I can only assume it is a mistake.

    The worst thing is your charges MIGHT be for less that the settlement but they COULD be for more!

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  3. #3
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    Default Re: emmm is this normal?

    this was the kind of figure i was thinking it would be, maybe a bit more infact. so im tempted just to take it and run.


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    Default Re: emmm is this normal?

    The problem you have is that if this is a mistake, they could in the future ask for their money back.

    This really is an unconventional scenario and I'm a bit concerned about you just accepting it. Perhaps you should wait to see what one of the mods thinks?

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  5. #5
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    Default Re: emmm is this normal?

    since its a 'goodwill gestureicon' i would have thought they couldnt claim it back. any mods help before i sign


  6. #6
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    Default Re: emmm is this normal?

    I would advise you to wait for the statements. You never know if they are short changing you.






    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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  7. #7
    Gold Account Holder Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK's Avatar



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    Default Re: emmm is this normal?

    FWIW, if you don't have your statements then you don't know if the figure is right.

    I have seen this with MBNA and Barclaycard, they tried similar things with me although not start off. What comes to light is the banks think you are only entitled to claim back the last six years.

    They are wrong or at least they aren't prepared to test it in court and therefore it is more than likely they are wrong.

    What they do they is try to send out the last six years worth of data or only provide info for that period. if your account is older than six years its almost certain they wont include that.

    Bottom line is accept if you only want back part of what you're entitled to and aren't worried if they unlawfully deprive you of your money a second time.

    JMHO

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  8. #8
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    Default Re: emmm is this normal?

    This seems very odd indeed and not the usual response as people have said before me. I would be a bit unsure of signing without working out all the charges owed.

    Things like this happening confuse me a great deal. On the one hand RBSicon seem to be taking longer than in the past to even respond to a letter then on the other hand out of nowhere someone gets an offer from and initial letter! Brilliant for you AuntieFi but a bit of a head scratcher for all us still waiting for even an acknowledgement of our first letter!

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  9. #9
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    Default Re: emmm is this normal?

    I'm sure they wont mind if you say I'll get back to you with an answer after you've sent me my data.


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    Default Re: emmm is this normal?

    Quote Originally Posted by bong View Post
    I'm sure they wont mind if you say I'll get back to you with an answer after you've sent me my data.
    Now there's a good idea!!

    If my post has been useful, tip my scales and let me know

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    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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  11. #11
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    Default Re: emmm is this normal?

    Quote Originally Posted by bong View Post
    I'm sure they wont mind if you say I'll get back to you with an answer after you've sent me my data.

    Lol.






    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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  12. #12
    Gold Account Holder Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK Authoritative Glenn UK's Avatar



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    Default Re: emmm is this normal?

    Quote Originally Posted by bong View Post
    I'm sure they wont mind if you say I'll get back to you with an answer after you've sent me my data.
    I ber they DO mind, but its tough they cant have everything they want.

    glenn

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    Where were you? Next time please


    Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
    Abbey 2nd claim, two Accs - claim issued 30-03-07
    Barclaycard - Settled cheque received
    Egg 2 accounts ID sent 29/07
    Co-op Claim issued 30-03-07
    GE Capital (Store Cards) ICO says theyve been naughty
    MBNA - Settled in Full
    GE Capital (1st National) Settled
    Lombard Bank - SAR sent 16.02.07
    MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
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  13. #13
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    Default bizarre situation - help needed

    Hi
    I wrote to RBSicon on 12th March requested my statements , on 22nd March i got an offer of £1500 without ever asking for a refund. it was the usual bog standard letter, we dont admit liabiility etc etc etc. i accepted it. But I realise now it was probably a lot more I was owed, and i have never received my statements from them. given i never put in a claim, can i go back and claim the rest? or does the signature form specifiy what you are signing for? given the offer says its not a refund but goodwill gestureicon, is it worth trying?
    sorry if this sounds greedy, just wondered if i have a leg to stand on?
    i guess im lucky i got an offer (i guess this was a mistake!) so quickly.
    Thanks lots


  14. #14
    Gold Account Holder Sparkie1723 Authoritative Sparkie1723 Authoritative Sparkie1723 Authoritative Sparkie1723 Authoritative Sparkie1723 Authoritative Sparkie1723 Authoritative Sparkie1723 Authoritative Sparkie1723 Authoritative Sparkie1723 Authoritative



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    Default Re: bizarre situation - help needed

    If the letter didn't say anything about accepting this as a Full and finalicon settlement, then you should send for all your statements, work out what they do owe you .plus interest......deduct what they have paid you so far, and claim the balance.

    sparkie1723


  15. #15
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    Default Re: bizarre situation - help needed

    I agree with sparkie, I was also shift the £1500 into another account.


  16. #16
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    Default Re: bizarre situation - help needed

    It looks like they have paid out just to see if you would accept that amount and be happy with it. I would ask for a full S.A.R here to see how much they really do owe you. I suspect it is a lot more..

    Ukaviator


  17. #17
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    Default Re: bizarre situation - help needed

    it will be a lot more, i've noticed quite a few threads where this has happened lately, and when they get their statements theres always a lot more, seems to be a new trick their using, remind them that their 40 days are up, use the template in the libraryicon for noncompliance to your SARicon

    OK I GIVE IN

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    Cr*p one CONNED statements 08/06 ROFLMAO
    Cr*p one charges=£976
    con int 34.9% £1,003.75 £1,979.75.

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  19. #19
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    Default Re: bizarre situation - help needed

    what do you reckon? It says it hopes this resolves my complaint, which i never made.......

    RBSicon LETTER


    Than you for your letter of 12 March 2007. I am sorry that you have concerns regarding the charges that have been applied to your account.
    We explain all of our t&s including our feeds and charges at account opening and they form the basis of your agreement with us. Full details are available at any time on our website and in our branches, and updates are sent out regularly tour customer. For your convenience I am enclosing these.

    RBS has for a number of years provided many every day banking services to customers free of charge when accounts are in credit of within a previously agreed overdraft limit. These services include access to our branch network, cheques, Direct Debits, Standing Orders, UK debit card transactions and UK ATM withdrawals.

    Whilst our services are provided without a corresponding charge, we do make charges when customers, by their actions, request an increase to or the creation o fan overdraft in excess of their previously agreed limit. By reviewing such requests we provide an additional service to customers in many instances allowing items to be paid either by creating or increasing an overdraft. These charges can be avoided entirely by arranging suitable borrowing facilities in advance.

    For these reasons, we do not agree with the basis of your complain. We believe that the charges we levy are for providing services and that they are not penalties or charges for default. Furthermore we believe that these charges are fair, reasonable and transparent.

    However having reviewed your case and as gesture of goodwillicon and without admission of liability or error, in this instance we are prepared to offer the amount of **** paid direct to your account. This amount excludes any packaged account fees or interest paid.

    To accept this offer in Full and finalicon settlement of your complain please let me know by completing the attached form and returning it to us in the reply paid envelope provided. If you would like to discuss this offer please contact the number above.

    Any charges that properly accrue in the future will be applied to your account in line with our published tariff and in accordance with your agreement with the bank. Should you be unwilling to accept these, we may need to consider if we are prepared to continue to provide you with your existing banking facilities.

    I trust this will resolve your complaint.

    FSA guidelines state we can regard your complaint as closed if we do not hear from you within 8 weeks. If you do need to take your complaint forward please let me know within this time.

    MY RESPONSE


    Dear Mr Watt

    Account: *
    Letter of 22nd March

    Thank you for your letter of 22nd March, where a goodwill gestureicon offer was made for £* and subsequently accepted.

    I am a bit confused however, as I am yet to receive my statements as requested in my letter of 12th March or order to calculate the ‘real cost’ of the charges applied to my account over the past years. I would be grateful if a list of all charges, or failing that, all my statements which you have available to you, preferably from the initiation of my account could be sent to me as soon as possible.

    Yours sincerely


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