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 4 of 4
  1. #1
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    Rob S Informative Rob S Informative Rob S Informative



    Follow Real_CAG on Twitter
    Cagger since : Jun 2006
    Posts : 1,632 (0.36 post per day)

    Default Rob S V RBS

    I am on the trail of RBSicon over a 12 late payment fee added to my most recent credit card statement. I didn't receive a statement in May from them so when I received my latest statement a couple of days ago, it showed up an outstanding amount of 16.64 carried over from May, plus my latest transactions and the late payment fee, and interest of 1.30 on the full outstanding amount. A penalty of 12 for an unpaid amount (through no fault of mine) of under 17 is absurd!

    RBS contacted me yesterday and said they would refund the interest but not the late payment charge. I pointed out that it wasn't my fault the statement was not received, but they stated that the charge was "In their T's and C's" so it is legal. Isn't it amazing that they still try and trot out this line

    So, the battle lines have been drawn and the template from CAGicon has been used and amended slightly and the letter was sent yesterday. Its only 12 and nothing like the figures some members of CAGicon have been charged, but its the principle. And I do like a good battle


  2. #2
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    Josie8 Highly informative Josie8 Highly informative Josie8 Highly informative Josie8 Highly informative Josie8 Highly informative Josie8 Highly informative Josie8's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Nov 2006
    Posts : 1,424 (0.33 post per day)

    Default Re: Rob S V RBS

    Send a CCA Requesticon while you're at it (remembering to enclose a 1.00 postal order made payable to them so its deemed cashed on receipt) by Special Delivery.

    You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

    If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

    If you think I have been helpful PLEASE click the scales

    court bundles for dummies
    Follows
    0
    Following
    0

  3. #3
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    Rob S Informative Rob S Informative Rob S Informative



    Follow Real_CAG on Twitter
    Cagger since : Jun 2006
    Posts : 1,632 (0.36 post per day)

    Default Re: Rob S V RBS -Fee Refunded!!

    I'm pleased to say the matter is resolved. I received a lettericon from the customer care team today who bizarrely told me that there was no record of any late payment fees ever having been added to my account. So I phoned up and spoke to a very helpful lady called Marion, one of the first line customer advisers, who looked into it and then told me that she would be removing the fee and refunding my account. She couldn't understand why this wasn't done in the first instance, given my very good conduct of my account.

    So, a good result!


  4. #4
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    Josie8 Highly informative Josie8 Highly informative Josie8 Highly informative Josie8 Highly informative Josie8 Highly informative Josie8 Highly informative Josie8's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Nov 2006
    Posts : 1,424 (0.33 post per day)

    Default Re: Rob S V RBS

    Glad you're happy with the result

    You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

    If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

    If you think I have been helpful PLEASE click the scales

    court bundles for dummies
    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