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    • Well I’d like to see it, but I respect the decision not to publicly upload something that someone could prepare better by seeing it.  Good luck with the outcome. Perhaps it could be shared securely post judgement?
    • going by your figures    £5239.50 was added to the £21k loan making the amount we borrowed  £26239.50.   so the PPIPCM% was: ppi/loan+ ppi*100=%   5239.50/26239.50*100=19.97% so lets call that 20% so 20% of any payment made on its date was PPI.   now you'll have to fill out the statint sheet as if you haven't yet been refunded then add in the payment you got on its date as a minus figure on the sheet on its date to the sheet   that will tell you whats outstanding from the refund   thus what you owe today.   dx          
    • Next you need to send off for a breakdown of the charges the Bailiff applied.  . Here's an example,  use and ADAPT at will and best sent initially by email backed up by a copy in the post. . "From: My Name My Address . To: Acme Bailiff Co Bailiff House . Ref: Account No: 123456 . Dear Sir . With reference to the above account, Can you please provide me with a breakdown of the charges.  . This includes: a - the time & date of any Bailiff action that incurred a Fee. b - the reason for the fee. c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged. d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at. e - the date of the Certification. . This is NOT a Subject Access Request uest under the Data Protection Act S7 1998  You are obliged to provide this information. . I require this information within 14 days. . Yours faithfully . Ripped off customer" .
    • well no you did tell them you'd cancelled the fact that you omitted to pay one extra dd after that date is somewhat immaterial now.   your problem is you've done all this by email. you now need to stop using email and block and bounce them totally   using royal mail send harlands a letter offer them one months payment as you cancelled the dd without leaving 30 days for the next  payment to be taken. but refusing to pay any unlawful admin fees.   if they fail to accept that. you ignore everyone.   dx        
    • not your problem   use the custom google search on the top right    pcn claimform get reading up on what is to come if they proceed. and no you don't need to add to your defence.   dx
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • 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
        • Like
      • 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/
      • 57 replies
shahmh

shahmh Vs RBS

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Hi Guys,

 

I have had bank charges against me ever since I was at university and even now since I started working. I have calculated that I have been charged £940 in bank charges excluding all the maintenance charges. I think this will add up to approx. £1500.

 

So I am starting this process today. And will be reading all of your FAQs before I ask any questions.

 

I hope to get all my money back.

 

Cheers

 

shahmh:smile:

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Good Luck with your claim Shahmh


Statements Recieved:19th july 2006

1st letter sent: 20th July 501pounds

1st letter received:21st July looking into it

2nd letter received:

27th July offering 81pounds as goodwill gesture

Sent Letter back :3rd August asking to reconsider before action.

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Hi Guys,

 

I have written the preliminary letter. Who shall I send it to?

 

Should I also include the interest charges to my overdraft in this aswell?

 

Thanks

 

Shahmh

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14/08/2006

Royal Bank Of Scotland

Dear Sirs

 

Request for repayment of charges

 

 

Due to recent media coverage on bank charges I now believe that you, the Royal Bank of Scotland have been levying charges on my account that are contrary to the Unfair Terms in Consumer Contracts Regulations 1999. I believe that your charges are disproportionately high and therefore they are contrary to these Regulations.

 

 

In addition I believe that your charges are a Penalty, penalty charges being irrecoverable at common law. It has been held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss. However, if you say that your charges are not penalties, I would be interested if you would demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

 

 

The charges I have paid amount to £1593.70 (detailed in Annex A) and I request that you refund me this amount in full within the next 14 days. This sum represents the excessive charges which you have made to my account. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

Yours faithfully

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Here's my spreadsheet;

 

Date of ChargeDescriptionCharge04/07/2001Un-paid Item CHQ £23.803009/07/2001Un-paid Item CHQ £23.803012/07/2001Card Misuse POS £12.852012/07/2001Un-paid Item CHQ £23.803023/07/2001Un-paid Item CHQ £25.003026/07/2001Card Misuse POS £10.55 & £10.004026/07/2001Un-paid Item CHQ £25.00 & £3.706031/07/2001Un-paid Item CHQ £25.003002/08/2001Un-paid Item CHQ £3.703003/08/2001Un-paid Item CHQ £25.003006/08/2001Card Misuse POS £8.302008/08/2001Un-paid Item CHQ £25.00 & £3.706013/08/2001Un-paid Item CHQ £25.003014/08/2001Un-paid Item CHQ £3.703016/08/2001Un-paid Item CHQ £25.003021/08/2001Card Misuse POS 12.582029/08/2001Card Misuse POS 19.502022/01/2002Card Misuse POS £21.982019/03/2002Card Misuse POS £19.072008/04/2002Card Misuse POS £4.402016/04/2002Card Misuse POS £12.502008/07/2003Referral Charge for June2009/01/2004Referral Charge for December2009/02/2004Referral Charge for January6011/05/2004Referral Charge for April2008/06/2004Referral Charge for May2008/07/2004Referral Charge for June2021/07/2004Unpaid Item £70.003008/09/2004Referral Charge for August4008/03/2005Referral Charge for March3010/07/2006Referral Charge for June60Total£940Bank Maintenance Charges for going over OD18/07/2001Maintenance Charge1020/08/2001Maintenance Charge1017/09/2001Maintenance Charge1018/10/2001Maintenance Charge1018/02/2002Maintenance Charge1018/03/2002Maintenance Charge1018/04/2002Maintenance Charge1020/05/2002Maintenance Charge1017/06/2002Maintenance Charge1019/08/2002Maintenance Charge1018/09/2002Maintenance Charge1019/05/2003Maintenance Charge1018/06/2003Maintenance Charge1018/07/2003Maintenance Charge1020/10/2003Maintenance Charge20£25 incl. £5 royalties19/01/2004Maintenance Charge20£25 incl. £5 royalties18/02/2004Maintenance Charge20£25 incl. £5 royalties17/05/2004Maintenance Charge20£25 incl. £5 royalties18/06/2004Maintenance Charge20£25 incl. £5 royalties19/07/2004Maintenance Charge20£25 incl. £5 royalties18/08/2004Maintenance Charge20£25 incl. £5 royalties20/09/2004Maintenance Charge20£25 incl. £5 royalties18/04/2005Maintenance Charge28£34 incl. £6 royalties17/07/2006Maintenance Charge28£34 incl. £6 royalties18/08/2006Maintenance Charge28£34 incl. £6 royaltiesTotal£384Interest Charges to Account20/08/2001Interest on Overdraft3.8117/09/2001Interest on Overdraft12.1118/10/2001Interest on Overdraft9.1920/05/2002Interest on Overdraft1.0818/07/2003Interest on Overdraft1.1418/08/2003Interest on Overdraft11.4518/09/2003Interest on Overdraft10.6220/10/2003Interest on Overdraft10.5417/11/2003Interest on Overdraft10.6818/12/2003Interest on Overdraft9.8919/01/2004Interest on Overdraft9.2218/02/2004Interest on Overdraft12.3918/03/2004Interest on Overdraft9.0219/04/2004Interest on Overdraft6.8417/05/2004Interest on Overdraft9.3518/06/2004Interest on Overdraft15.5619/07/2004Interest on Overdraft19.2518/08/2004Interest on Overdraft13.4220/09/2004Interest on Overdraft11.8218/10/2004Interest on Overdraft6.8518/11/2004Interest on Overdraft12.6720/12/2004Interest on Overdraft6.9717/01/2005Interest on Overdraft5.9618/02/2005Interest on Overdraft5.8818/03/2005Interest on Overdraft5.0618/04/2005Interest on Overdraft5.320/06/2005Interest on Overdraft3.4518/07/2005Interest on Overdraft2.3318/08/2005Interest on Overdraft3.3218/11/2005Interest on Overdraft0.6319/12/2005Interest on Overdraft2.0520/03/2006Interest on Overdraft0.2918/04/2006Interest on Overdraft4.7819/05/2006Interest on Overdraft1.1417/07/2006Interest on Overdraft5.718/08/2006Interest on Overdraft9.94Total in interest charges£269.70Grand Total£1,593.70

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guys, can I claim on the interest charged on the overdraft? I had an interest free overdraft (student account) but when I went over my limit I was charged with a fine and interest? Therefore can I get a rebait on the interest charged?

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Difficult one. I would think that if you exceeded your overdraft limit ONLY by the application of penalty charges (ie not because you just overspent), then it would be fair to claim back the interest. You will have to check back for each month you were charged interest to make sure that the fine/interest was because of penalty charges. If in that month there was any overspend by you (your own fault), then you could not reclaim.

 

You will need to make it clear in your spreadsheet that the interest is charged because the penalties were applied. Check through, and see how many of the interest charges are caused solely by addition of RBS penalty charges.

 

What's the entry on your spreadsheet 'royalties'. Is it a £5 service payment for an upgraded type of current account? If so it's not a penalty charge and you can't claim it back - the royalties bit will have to come out of the spreadsheet. I've read the following in another thread: "You can't claim the monthly charges on. for example, your Royaties Gold ac as these are agreed service charges, but you can claim back the excess penalty charges the banks apply on top of them and which they try to disguise by taking at the same time".

 

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Thanks very much VeryTrying.

 

BTW I sent off my PRELIM letter today. Lets see what happens. 14 days to go to Phase 2.

 

:-x:razz:

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Hi Guys,

I sent my prelim letter off on the 14th of Aug. Still not heard anything back. Will now be sending my letter before action letter.

Let's see what happens.

Cheers

shahmh

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Can some advise me if I have sent my preliminary letter to the correct address;

Senior Customer Relations Manager at Edinburgh

Royal Bank Of Scotland

Freepost

P.O. Box 1727

Edinburgh

EH12 9JN

Scotland

 

Should I send my Letter Before Action to this address aswell?

Thanks guys

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