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jimschimp

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About jimschimp

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  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. you are not alone !! I have been persuaded by the RBS for years to 'consolidate' my overdraft into a loan, which comprises of charges, resulting in me having a £20k loan which i was struggling to repay hence remortaged our home last year to cover it Am really interested in what the outcome will be on this as I have just had a call from the RBS to say that they have been taking £38.00 out of my account for years for no good reason, and are going to investigate it and get back to me, but if these £38.00 's contributed to my overdraft which then contributed to my huge loan, how on eart
  5. Good Afternoon Folks The strangest thing has just happened to me, I have just had a call from the RBS to say that they have made a 'mistake', when looking at my account is seems that they have been applying a charge of £38.00 per month for what seems to be forever for no good reason whatsoever, and are now investigating it to see how far back this goes, before they refund me !!!! The thing is you see is that I have been telling them for years that this has been happening and asking them to justify this amount and they have always put it down to 'administration' or 'exceeding my overd
  6. thanks folks, that's kind of what I thought, but just needed a bit of encouragement. Will let you know how I get on
  7. Hi all Would appreciate a little advice here please, I have been trying to claim back my penalty charges with RBS since March of this year, I have been passed from pillar to post, and have had no success, I issued my final letter requesting a refund to Joyce Tudor about a month ago, and was met with a reply stating that I should contact Stuart Highley about a refund of my charges. So far I have done everything as advised on this site, even giving the bank the benefit of the doubt and allowing them longer to reply to my letters. Now I'm getting fed up, my final letter issued a month
  8. hi With regard to your CH benefit, it is illegal for the bank to recover charges from a state benefit, it means that the bank are in effect profiting from the government. If they are using your child benefit to cover your bank charges (which it seems is what you are saying) it may be worth reminding them that they are in fact breaking the law, you are paid this money to provide for your child not so they can increase their profits and line their pockets even more. It's taking the food from the mouths of children Outragous
  9. I was just thinking the same thing, does anybody out there have an answer ? cheers
  10. Hi Exactly the same thing has happened to me, I got the standard letter back from RBoS asking for a tenner to provide the information, then lo and behold the statements have come through today without me having to pay up. The problem I have is that although they have provided the statements, this isn't exactly what I have asked for, I used some of the templates etc and asked for a breakdown of all charges, and any information thay may have with regard to 'manual intervention' - this of course hasn't arrived, I now intend to push them for the money and will be sending my letter off to
  11. thanks good samaritan, I take what you say and even if I have got confused with RBS and BoS, I'm still not sure that BoS staff should have access to Halifax customer account information, they are run as 2 different entities so therefore the data should be kept separate surely ?? They just happen to be owned by the same people. This means that their data must be hosted together for the staff to be able to work on 2 separate banks' systems at the same time, so therefore I guess that there must be a security breach or DPA breach of some kind My partner is a Halifax customer and has i
  12. Apologies but is this right ???? My account is with the RBS and not the Halifax, if the team is delaing with queries from all RBS Organisations (Halifax/Nat West et al) then surely there is a breach of the data protection act, I've never authorised Halifax staff to have access to my bank details....... It seems a little odd that's all
  13. Apologies for the first thread, things seem to have got a bit jumbled What I am trying to say is that the Halifax and the RBS are using the same teams to deal with queries from both banks ? is this right ? can they do this ?? thanks
  14. Hi all I know there are other threads along the same vein, but I have an interesting piece of information here, I have jt the Halifax are issuing outust been reading through the RBS threads below and am interested to find that the number listed of 01422 333465, to respond to when you have been made a partial offer , is exactly the same number that the Halifax are sending out on their letters. I presume then that the Halifax and the RBS are using the same team in Leeds to administer all our queries - is this right ? can they do that ? My account is with the RBS but my partners'
  15. Can someone clear this up please, I have an RBS account in England , sent DPA letter etc, and heard nothing, when I called the branch I was referred to the head office in Scotland, is this ok? my branch did nothing with the letter and I seem to be getting somewhere with Head Office, Can someone please tell me what the liabilities are if my claim is being delt with over the border ? When I submit Court Proceedings, I will be doing so in England because that is where my account is based and I live. Is there any difference please ? DPA letter sent : RBS 04/03/06
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