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)


Results 1 to 9 of 9
  1. #1

    Default Wanted ; RBS terms and conditions

    If you have any RBSicon T&Cs can you please post here with details.The older the better.
    In addition if you have other account Terms and conditions please let us know.
    You can post here or pm a Mod or Sitehelper.

    Thanks

    Similar Threads:
    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.






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  2. #2

    Default Re: Wanted ; RBS terms and conditions

    Micheal Mcuth was collecting old T&C's, don't know how much luck he had tho.

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  3. #3

    Default Re: Wanted ; RBS terms and conditions

    In my recent letter to Cobbetts I have requested my original T&C as well as any amendments between then and now.

    If Cobbetts do actually comply, though I rather doubt it, I will of course publish them.


  4. #4

    Default Re: Wanted ; RBS terms and conditions

    I have RBSicon T&C's from when I opened my Royalties Gold a/c approx 2000/01 (there are the following figures on the back of the brochure: 04/00, I assume this is publication date) 6 pages of smallprint though and alot of it is about membership benefits (huh!) I will try to scan them onto the thread (any tips?) alternatively if there's anything specific you want i'll try to answer asap.
    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.
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  5. #5

    Default Re: Wanted ; RBS terms and conditions

    I don't know if it's of any relevance or can be used to our benefit, but looking through some old bank paperwork I found at the back of the filing cabinet I discovered a letter from 15 May 2001 where my local branch manager had written to me explaining about the charges involved in bouncing a direct debiticon. It's the wording find interesting...


    In respect of Bank Charges whilst I appreciate that you are on a fixed income and that you cannot afford to pay bank charges, you must also realise that it is your responsibility to remain within your overdraft facility and if funds are unavailable then the Bank has the right to return items unpaid for which a charge is levied.
    I don't know about you, but given that "levied" means "an imposing or collecting, as of a tax, by authority or force" I see that as a description of something that is punitive in nature and given the the use of "charge" rather than "fee" my understanding of the branch manager's words is that he wasn't offering a service, he was extracting an amount from my account as punishment for exceeding my overdraft limit.

    I've also found another letter from 12 December 1996 where the sentence used was
    "A charge of 30 has been levied against your account to cover the cost of returning the items.
    ... or am I just being pedantic


  6. #6

    Default Re: Wanted ; RBS terms and conditions

    I don't know if it's useful or not, but I just found a Royalties T&C from around 1989 (I think!)

    I've created a text searchable PDFicon from it that people can download from my server should they wish.

    http://www.britcom.org.uk/CAG/Royalt...circa_1989.pdf


  7. #7

    Default Re: Wanted ; RBS terms and conditions

    Has there been any progress with this as need a copy of old T&C's by monday

    skb

    Victory over Lloyds 890 Click!
    Victory over Vodafone: default removal click!
    Victory over Lloyds PPI claim 2606 click!
    Barclaycard lazygoing - 580 + 398 contractual int at 17.7 % click! (Received partial payment 110 21/11/06)
    The GF's battle against RBS click! stayed awaiting the end of the world
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  8. #8

    Default Re: Wanted ; RBS terms and conditions

    bump

    Victory over Lloyds 890 Click!
    Victory over Vodafone: default removal click!
    Victory over Lloyds PPI claim 2606 click!
    Barclaycard lazygoing - 580 + 398 contractual int at 17.7 % click! (Received partial payment 110 21/11/06)
    The GF's battle against RBS click! stayed awaiting the end of the world
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  9. #9

    Default Re: Wanted ; RBS terms and conditions

    you could check out Mcuth VSicon RBoS - he won some tiome ago now - so his old thread should be in the "settled claims" section........

    I know there were a load of weblinks on his thread....



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