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    • Received paperwork now from them prior to 30th deadline. is it worth uploading here or just send my 181 back with the draft directions from my side? 
    • Ah ok, thanks Andy. As of yet i have heard nothing from the court since i received the N180 from lowells.
    • you NEVER offer PS it opens you up to 6more yrs of harassment as you've ack'd the debt and they'll sell the rest on.   just do the CCA..   its probably very close to SB so they leave things late to get the most interest out of you. if they issue a backdoor CCJ.
    • I have received planning permission to do a loft & kitchen extension.   I have a terraced house.   Re the party wall agreed surveyor, my neighbour to the right is ok to a ‘agreed surveyor’ being appointed by me. However after I received planning permission late in 2018, my neighbour to the left instructed a surveyor.  I spoke to this neighbour last weekend explaining that i am now in a position to hopefully commence the work but that a party wall award needs to be secured. I inquired from them if we can agree an impartial surveyor preferably of my choosing, since i will be paying the fee. The wife said they'd speak to their surveyor, whilst her husband seemed hesitant.   I have now received the attached letter from their surveyor.  His remarks such as '‘after some delay' (surely it is for me to determine when i being any building work on my property having consideration of a myriad of matters), gives me pause as to his impartiality, at that he is not just money chasing.   Is a surveyor permitted to make an approach to a property owner,  re offering to be appointed as the agreed surveyor, in advance of the party wall notices being issued to the relevant neighbour?   I do not trust the impartiality of indeed integrity of this surveyor.   Both my neighbours, already have both a loft & kitchen extended kitchen, so i just don't understand why this neighbour, is seemingly trying to make this process as protracted and even more expensive as possible.   How can i convince them to use my surveyor as the agreed surveyor, short of threats of me not being cooperative of any work they may wish to undertake.   Tnanks   scan0048.pdf
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • 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

Rbs current account charges

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Hi everyone, this is my first post.

Basically last year I went overdrawn by a small amount on my rbs current account. Rbs then preceded to charge me £6 a day till I got my wages. This amounted to charges of just over £100. I had enough money to cover my bills but not pay the charges so I incurred further charges. Every month I have enough money in my account to cover my dd but the charge from rbs puts me over my limit so they're charging me every month because their charges are putting me over my limit. (hope that makes sense). So this is a vicious cycle every month and I can't get out of it. surely this isn't right? They're saying the charges are because I've made a transaction to put me over my limit but it isn't my transaction its theirs. What can I do about this? Can I claim the charges back? It's over £100 every month.


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please see my thread - i am going through the same thing at the moment

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hi, i have won back £2431 in charges do you want me to send you a private email with a caopy of the letter i sent on it...i also have email and contact details for very senior members of staff plus phone numbers

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Hi,can anyone give me an email address for someone at rbs. I'm stuck in a spiral of bank charges. Posted a letter to my local bank two weeks ago but have heard nothing.

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hi try these


Margaret.Turner@rbs.co.uk - Retail Executive Complaints

Anne.McArthur@rbs.co.uk - Executive Support to Mark Davies - Director, Retail Complaints

Linda.Richardson@rbs.co.uk - Team Manager UK Retail Executive Complaints


I am happy to give you a copy of the letter I sent to them to get my refund

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Yes please. That would be great! Thankyou

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the following is a copy of the letter just cut out or change the bits relevant to you

Your name and address





phone number



Date ******




Leicester Retail Customer Service Centre

Bede House

11 Western Boulevard





Account No.



Complaint ref no.





Thank you for your reply dated



I am shocked and disappointed at RBS for their lack of willingness to look at this complaint with serious regard.





I also feel that perhaps I was a bit unfair in requesting a refund for charges dating back six years. Therefore I have looked more closely at the charges dating back to Sept 2009 which is when my salary ceased to be paid into my RBS account. However, when looking more closely at these charges and interest I find that they work out to be significantly more than previously thought, thus I will now be taking into consideration the full amount of charges and interest charged to my account since 2009 along with interest to which I am entitled to for these charges.





I also feel that the first offer by RBS of a refund for the last 3 months worth of charges and then the second offer of a refund for the last 12 months worth of charges to be a derogatory offer and insignificant compared to the actual charges and interest levied on my account, along with the damage caused to my credit worthiness.











I calculate the charges for years to years to be;

£****.** in penalty charges

£***.** in interest charges

Giving a total of £****.** worth of charges I am now claiming back.



I would also like to point out that I am also entitled to interest on this amount which I calculate to be £***.**.



Giving a total refund to my account of £****.**.



The RBS feel it necessary to recite the law ruling of 2009 yet fail to acknowledge other guidance and rulings such as set out by the BCOBS. I quote;

The FSA Conduct of Business Sourcebook rules make it illegal for your bank or your credit card issuer or your lender to treat you unfairly.



Might I remind you of your obligations under the BCOB guidance, which is clear in its summary of unfair practices that are in evidence in this case:


• Levying charges on unpaid direct debits or cheques.

• Treating bank-imposed charges as unauthorised borrowing.

• Levying charges upon charges.


The Information Commissioner is equally unambiguous:


“If we conclude that there is a genuine, reasonable and unresolved dispute between the borrower and lender, then we are likely to find that personal data have been processed unfairly if a default has been filed. Defaults filed in these circumstances may also be inadequate for the purpose of credit referencing in that they do not provide meaningful information about the creditworthiness of the customer”




I strongly believe that in this case there is sufficient mitigation for the default to be removed due to it being processed unfairly. Namely that:


• The Bank levied charges upon charges.

• The Bank treated its own charges as unauthorised borrowing.

• A default was issued without my knowledge, with no method of recourse.

• With regard to the above, the Bank is in breach of the Data Protection Act 1998 in processing a default under such circumstances.

• You are in breach of your obligations to Treat Customers Fairly as required under the Banking Conduct Of Business (BCOBS) regulations 2009 which have been introduced by the FSA under the Financial Service and Markets Act 2000.


Please remove the default markers from all credit reference agencies or my next step will be a full Subject access request, a complaint to the Financial Ombudsman, and the Information Commissioner and if necessary, action in the county cour to prevent you continuing to process my information incorrectly in this way.


I am highly motivated to ensure a positive outcome from this, no matter which channels must be exhausted in the process. If RBS decide that their last and final word is far less than this amount then I shall proceed with further action.



I hope that such drastic measures will be unnecessary and common sense will prevail.






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