Jump to content
Godiva500

Godiva500vRBS Credit Card

Recommended Posts

Hi

I wrote RBS CC asking for account details, and I received the copy statements today. There are a couple of things I am not sure about.

On them are four different charges -

 

Overdaft Fee

Late Payment Fee

Convenience cheque fee

Unpaid convenience cheque fee.

 

Am I able to claim for them all?

 

Thanks for anyones help on this.

 

Regards

 

Vicki

Share this post


Link to post
Share on other sites

Overdaft Fee Yes

Late Payment Fee Yes

Convenience cheque fee Don't think so. I assume this is one of those nasty fake cheques they send out for you to use. In which case this is a service, so no

Unpaid convenience cheque fee. Yes

Share this post


Link to post
Share on other sites

Hi

Just to note for interest. I had my statement from RBS cc today.

 

The note at the bottom now states that from 28th June 2006, default fees charge has now been reduced to £12.00 :D

Whooo hooo - about time!!

 

Regards

 

Vicki

Share this post


Link to post
Share on other sites

I think you about 3 days aheaed of me! will keep reading this thread.

Share this post


Link to post
Share on other sites

Hi

 

I had a response today from RBS stating they have reduced their charges now to £12.00, and that previous charges will stand.

I assume I need to take out court action now. I know its only £301 but thats alot of money to me. I am not sure what else to claim for either, and how to work out any interest? HEELLPP!! ( sorry to be so pathetic)

I know I must also claim the court fee but its the interest that throws me?

 

Thanks

 

Vicki

Share this post


Link to post
Share on other sites

Hi

Thanks for all the info. RBS have refused any payment and say the charges stand, so am sorting the court claim this weekend to post on Monday.

 

Thanks will let you know how i get on

 

Regards

 

Vicki

Share this post


Link to post
Share on other sites

Hiya all

Talk about making life difficult!! I have filled in the moneyclaim ok and done all the calculations, but now money claim advised me to take advice on which RBS address to use to serve the claim. They said it should be the registered office which is in Scotland, and as such I cannot go down the moneyclaim route because its not England!! They suggested I took advice before proceeding - so here I am.

 

Any advice please? Where do i serve my claim to? If it is Scotland how do I make my claim?

 

Many thanks

 

Vicki

Share this post


Link to post
Share on other sites

pls look in the RBS contacts sticky post use the princess st. office in london, or your branch

Share this post


Link to post
Share on other sites

Kay Stanbridge, Solicitor

Group Litigation, RBS

1 Princes Street

London

EC2R 8PB

Share this post


Link to post
Share on other sites

AHHHHHH HAAAA!

 

Royal Bank Of Scotland, Thanet Grange, Southend-on-Sea, Essex, SS2 6GB,

Share this post


Link to post
Share on other sites

hi i got a full refund from RBS CC (visa+mastercard) i wrote with the standard LBA fob off letter recieved so i wrote again and they payed in full i used this address REBBECCA HEAD CREDIT DARD OPERATIONS CUSTOMER CONTACT CENTRE PO BOX 6050 SOUTHEND-ON-SEA ESSEX SS99 1WL. good luck

Share this post


Link to post
Share on other sites

Hi

I tried to post in Litigation started thread but I don't have access?

Court proceedings started 23/08/2006

Amount £301.00

Interest £58.91

Court Fees £50.00

 

Total £409.91

 

Case Number - 6QZ57443

 

THanks

 

Vicki

Share this post


Link to post
Share on other sites

Not got the money yet lol. It was Southend on Sea that refused payment so it will be interesting to see what happens.

 

Vicki

Share this post


Link to post
Share on other sites

Court Claim was acknowledged on 31/8. Now have to wait 28 days before I can progress further - 28/9. Trouble is they are now charging me £12 overlimit fee, which I wouldn't be if they hadn't taken the overcharges before - you sometimes can't win .....................

Share this post


Link to post
Share on other sites

Hi again

I meant to ask - if they hadn't taken the charges from my account, (over £400)I would not be over my limit(by £22) - they are charging me £12, which seems to be the agreed amount, but could I claim it back? If so how would I go about that, as I have already started court action.

 

Thanks

 

Vicki

Share this post


Link to post
Share on other sites
Hi again

I meant to ask - if they hadn't taken the charges from my account, (over £400)I would not be over my limit(by £22) - they are charging me £12, which seems to be the agreed amount, but could I claim it back? If so how would I go about that, as I have already started court action.

 

Thanks

 

Vicki

 

Just because they have reduced the charge to £12 doesn't make it legal, they still have to prove that £12 is a fair amount, so yes you can reclaim any charge they make that is a disproportianate penalty.

Share this post


Link to post
Share on other sites

Hi

Notice received from Northampton County Court today, signed by Kay Majid Solicitor, stating they intend to defend all of the claim.

Got until 28th Sept to do it, so fingers crossed. Hope I am not a test case lol

 

Vicki

Share this post


Link to post
Share on other sites
Please fill in your quit date here

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Recently Browsing   0 Caggers

    No registered users viewing this page.



  • Tweets

  • Our picks

    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 9 replies
    • I am new here but very glad to find my way here and would welcome any input.
       
      i purchased a brand new campervan conversion from Hillside Leisure (175 miles from our home) on July 26th for £31,000 and, within 48 hours, during a storm, the alarm began to sound incessantly. We could not get it to stop, even after trying everything listed in the manual. We phoned Hillside on Saturday July 28th around 2.00pm. The young man who answered the phone said he would seek the advice of their technician and call us back, which he did. The technician told us that they, Hillside, couldn’t help, but that we should take the van to Nissan (the van is a Nissan) as the fault would lie with one of their components.
       
      • 42 replies
×
×
  • Create New...