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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.
      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.

      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

RBS Waiver Letter

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Hi All, Received this letter a couple of week's ago from RBS. I would like to know how I should respond to it. Thanks.


Please quote our reference when replying Our Ref:


We refer to your complaint relating to unarranged overdraft charges which was previously on hold under the terms of the FSA Waiver. The Waiver has now lapsed and we are therefore writing to you to respond to your complaint. We consider your complaint to have been about the level and, accordingly, the fairness or lawfulness of these charges.

As you will be aware from when we last wrote to you, we (with several other banks) entered into agreed legal

proceedings with the Office of Fair Trading in relation to unarranged overdraft charges on 27 July 2007 to

gain clarity on this issue. Following the judgment of the Supreme Court on 25 November 2009, the test case

process is now complete. _ __ __ __ _ _. ___

In our view, the judgment of the Supreme Court means that the level of the unarranged overdraft charges you have complained about cannot be assessed for fairness under the Unfair Terms in Consumer Contracts Regulations 1999 or challenged under the common law penalty doctrine. We do not believe that there is any other legal basis on which the level of these charges can be challenged.

We are satisfied that the charges you seek to reclaim were properly charged and the outcome of the legal proceedings confirms our position. We are therefore not upholding your complaint and will not be refunding the unarranged overdraft charges you have complained about.

We are happy to address any questions you have arising from this letter. You may find these answered by our website at the following link www,rbs,co.uk/overdraftchargesupd3ie. If your complaint does not relate to the level and, accordingly, the fairness or lawfulness of these charges then please let us know by contacting us setting out the details so we can consider this further.

If after this you remain dissatisfied, we will provide you with details of how to refer your complaint to the Financial Ombudsman Service.

If we do not hear from you within 8 weeks of this letter we will regard your complaint as closed.

!f you have any questions or wish to discuss any of the above with one of our members of staff, ptease call us on 0845 3030 442. Lines are open 9.00am - 5.00pm Monday to Friday or 9.00am - 1.00pm Saturday.

Lyn Kirkland

Senior Centre Manager

Yours sincerely,

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I can't help much but I did see this yesterday which you may find useful


The Consumer Forums - FAQ - The New Bank Charges Position

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thank's for you reply(interesting!).

But what i'm really looking for is some letter of response to the one I received. Before the 8 week's are up.:confused:



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Hi Series3 thanks for your reply but I'm well beyond LBA.

My claim as been on hold with the court since 2007. What I'm seeking is what should I write in my reply to this letter before my claim collapses after the 8week deadline!



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I've rec'd this letter to. Have you done anything with it?

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Hi Anni, Unfortunately because I couldn't find how to reply to the letter I've just let it run it's course. Should there be any hope to claim in the future(not holding my breath) I will carry on my claim then.

If you decide to respond to your letter please keep us posted to RBS's response!



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Hi there

I'm also dealing with Lyn Kirkland and her delaying tactics are incredible! I took my complaint to the Ombudsman after my case languishing in court for nearly 2 years and I'm not giving up! I'll keep you up to date with whatever further correspondence I get, but if I don't get a satisfactory reply, it goes back to the Ombudsman again!

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Also..........don't bother trying the 0845 3030 442 telephone number as no-one ever answers it! I waited for 20 mins again today with no indication of where I was in the queue or how long I would have to wait. Yet another example of the shoddy treament by RBS of their customers! I have asked for an e-mail address and direct telephone number and have advised that I will be turning up at South Gyle personally!

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Don't give up. I have been getting the same letters from a few banks. I just write back to them with what the Judges in the Supreme Court actuallly said. I am now at the court stage where I am submitting a claim at Dundee Sheriff Court on Tuesday. I have a thread in the Scottish Thread where I will be updating everyone with info on how I get on. I was also dealing with Lyn Kirklad but was then passed to someone else, probably because she was getting tired of me replying to her letters threatning Court Action if RBS did not pay. Me V RBS Group Chief Executive Stephen Hester. (I am going after their Consumer Credit Licence as well). ...Have been trying to write letter in here as well, but once it is posted, the whole post is crammed together, so will try and get a link uploaded for a copy of the template letter.

Edited by dundeelaw
Would not post as letter. All of the post was squashed together.

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