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    • Post #9 suggested some options to avoid or put off having a smart meter. Post #12 a simple solution to your complaint about the ay they handle fixed monthly DD. It's not really clear why you posted if you're going get irate when members "jump in" with suggestions. You can see what I'm referring to on "gasracker.uk" to allay your suspicion that I was lying in Post #16 which was made to correct ther misinformation shown in your Post #15
    • Back to octopus from the smart meter/tariff salesperson. Octopus have now said just ignore the letter - I dont have to have one despite there letter implying (at least) it was required, but that i will HAVE to have a smart meter if current meters stop working as 'their suppliers dont supply non smart meters any more'. They also say they do not/will not disable any smart functionality when they fit a smart meter I am of course going to challenge that. Thats their choice of meter fitter/supplier problem not mine
    • Point taken that we should inform new Caggers that the £20 option is there in wrong registration cases.  Well, supposedly there, who knows what the PPCs would do in practice.  Anyway, the option is allegedly there with both the BPA as you say, but also the IPC (I've just checked). However, there's a danger here of baby, bathwater. The two easiest types of cases to win are (a) residential - due to Supremacy of Contract and (b) wrong registration - due to "de minimis".  Indeed until recently we has been boasting that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing. We simply can do nothing about a terrible judge.  The judge seems - I say seems because we haven't had all the details - to have ignored "de minimis",. got fixated on a sign and awarded unreasonable behaviour costs.  A totally bizarre judgement.
    • You mean your witness statement 
    • That may be your personal claimed experience I said i didn't want smart meters - you jumped in to recommend smart meters I quite clearly indicated I was happy with being in credit to maintain constant payments - you suggest paying what I owe every month I quite clearly indicated I was happy with being in credit to maintain constant payments - you suggest a variable tariff - even if its one that only varies on a daily basis rather than half/hourly - with prices higher in winter when you need it and lowest in summer when you need it least   politeness ends with: - I'm NOT interested in any smart tariff I see, You are pushing your smart meter + variable tariffs in the wrong place - try pushing them somewhere 'nearer to home'  
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RBS took claimed money back


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I have been helping many friends and relatives claim back their bank charges as part of a personal mission usually with great success.

 

Thismorning i received a phone call from a friend who i helped with a claim against the rbs. She had been made an offer of £2700 on a £3800 claim that had been stayed by our local county court.

 

Being very desperate for some cash she reluctantly accepted the offer and has been waiting for over a month for the cheque, as she thought her account was closed.

 

What she failed to mention to me was that she did one of those (IVA) things a year or so ago, and her rbs account was included in this.

 

When she called to chase up the cheque, she was informed that the money had been payed into her account and that they had taken back what they said she owed them.

 

This left her with £40 in her account which has now been closed properly and they have sent her a cheque for the credit ballance.

 

If she had known that this was going to happen, she would never have accepted the offer and would have waited for the outcome of the test case and still have had a few quid to play with.

 

I am aware that the rbs are probably well within their rights to do this, however, if anyone knows a way it can be contested, i would be very gratefull for your comments.

 

Equally if anyone knows that it is all above board and there is nothing else that can be done, it would save her a lot of time and worry if you could let me know.

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If your friend was on an IVA RBoS shouldn't have taken the reclaimed charges and kept them. They really should have been distributed amongst all creditors to my knowledge.

 

Might be worth posting this one up in the debt forum for some more comments/advice. :)

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As Hedgey states RBS do not have the right to hand themselves this money. It should be spread amongst the other creditors as well on a pro-rata basis. An IVA is a legally binding agreement. RBS are trying to ignore that fact. She needs to get in touch with her Insolvency Practitioner regarding this matter. The IP should sort it out for her.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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