Jump to content
Baz1994

RBS C/Card Late Payment Fees reclaim

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1787 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have finally received SAR details re ongoing PPI claim with RBS Mastercard and after reviewing various statements noticed quite a few late payment fee charges for £20.

 

I am sure I can reclaim these and if so can anyone kindly point me in the right direction as to what spreadsheet I need to use to calculate refund ?

Share this post


Link to post
Share on other sites

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**/page4

 

Quite a good reference thread there. It is for Barclaycard but the preparation etc should still apply

  • Confused 1

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Share this post


Link to post
Share on other sites
http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**/page4

 

Quite a good reference thread there. It is for Barclaycard but the preparation etc should still apply

 

Ok many thanks and will have a read of thread.

 

Cheers g/l

Share this post


Link to post
Share on other sites
http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**/page4

 

Quite a good reference thread there. It is for Barclaycard but the preparation etc should still apply

 

Further to the above, can anyone confirm where I can locate Credit Card Reclaim spreadsheet details thanks ?

Share this post


Link to post
Share on other sites

Here you go

 

CISheet v101.xls


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites
Here you go

 

[ATTACH]50994[/ATTACH]

 

Many thanks ims

 

So use this one for Credit Card Fee / Charges reclaim ?

 

Would you have a link for appropriate letter ? Do have some sort of one that I successfully used for reclaim of Welcome fees but wondered if it would differ for Credit Card fees ?

Share this post


Link to post
Share on other sites
Many thanks ims

 

So use this one for Credit Card Fee / Charges reclaim ?

 

Would you have a link for appropriate letter ? Do have some sort of one that I successfully used for reclaim of Welcome fees but wondered if it would differ for Credit Card fees ?

 

Also do you have link to PPI reclaim spreadsheet thanks ? And can I still enter details even though I have a couple of years missing statements ? (I am still trying to locate them but wanted to start the ball rolling with what I have)

Share this post


Link to post
Share on other sites

Sure, here you go

 

FosRunningPPI v102.xls

 

Ideally you should have all of the statements to fill this one in but you may be able to estimate the behaviour of the account on those couple of missing statements.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites
Sure, here you go

 

[ATTACH]51003[/ATTACH]

 

Ideally you should have all of the statements to fill this one in but you may be able to estimate the behaviour of the account on those couple of missing statements.

 

Many thanks ims and I will see how what I can do with what I have until I locate missing statements.

 

If I need any help I will let you know

 

Cheers

Share this post


Link to post
Share on other sites

Hi, just an up-date on the situation regarding charges reclaim.

 

Just received a very brief response from RBS denying my claim on the basis that I was aware of the charges when I opened the account and that they are deemed fair in relation to costs. There is no mention of 6 years time-barred or any independent investigations, just that If I wasn't happy with decision that I can take it to FOS.

 

What next, do I just reply with a Letter before Action ? Any advice would be appreciated.

Share this post


Link to post
Share on other sites

Fos won't be interested in credit card charges claims.

 

If you want them back then the only way will be to challenge them in the courts.

 

The procedure would be to issue an lba and then of they still fail to pay up then you issue in court.

 

Don't threaten court unless you actually intend to go through with it. You must also be prepared to go all the way which could well end up with your arguing your case in front of a judge.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites
Fos won't be interested in credit card charges claims.

 

If you want them back then the only way will be to challenge them in the courts.

 

The procedure would be to issue an lba and then of they still fail to pay up then you issue in court.

 

Don't threaten court unless you actually intend to go through with it. You must also be prepared to go all the way which could well end up with your arguing your case in front of a judge.

 

Thanks for your reply ims.

 

Sorry to sound ignorant but why would FOS not be interested ?

Share this post


Link to post
Share on other sites

With credit card charges reclaims they will side with the lender and reach the decision that the charges are ok.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites
Thanks for your reply ims.

 

Sorry to sound ignorant but why would FOS not be interested ?

 

Even though they are in excess of £12 ? I thought that there was a ruling that confirmed this ?

Share this post


Link to post
Share on other sites

Not a ruling as such, simply that the OFT (as it was then) said that they would not investigate charges at a level of £12 or less on credit card accounts.

 

Fos overwhelmingly decide in the favour of the lenders with charges claims. Even if they did find in your favour they would almost certainly simply get the lender to repay the excess between the charge applied and the £12.

 

If you want all of the charges back then court would be the route to take but only you can decide whether that route is for you.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites
Not a ruling as such, simply that the OFT (as it was then) said that they would not investigate charges at a level of £12 or less on credit card accounts.

 

Fos overwhelmingly decide in the favour of the lenders with charges claims. Even if they did find in your favour they would almost certainly simply get the lender to repay the excess between the charge applied and the £12.

 

If you want all of the charges back then court would be the route to take but only you can decide whether that route is for you.

 

OK many thanks again ims, maybe one to sleep on as to which option to take.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?




  • Tweets

  • Posts

    • always plead guilty and say yo will attend that way if you cant settle OOC on the day you are there in person to covey your remorse to the judge personally.   it will be more than the £225 quote with victim surcharges etc on top but that does rule out the possibility of still settling on te day by talking to the TfL prosecutor before you go in   there are various threads here that has had that happen.   if you can find them, i'll do it later
    • Along with this is a: tomlin order schedule customer account transactions summary customer account transactions listed between November 2008 and jan 2019 - the last payment being March 2017 then further items on invoice listed between November 2008 and September 2010   2019-04-18_195659.pdf
    • Just an update since I received a letter for a SJPN today... so I am being charged under "...Byelaw 17(1) of the Transport for London Railway Byelaws made under paragraph 26 of Schedule 11 to the Greater London Authority Act 1999 and confirmed under section 67 of the Transport Act 1962."   Application is being made for a £225 contribution towards the costs of TfL. Further costs may be incurred if additional documentation is required or if the matter is not resolved by a SJ.   What would peoples recommendation be, pleading guilty with or without going to court? They did put on the cover letter that if I plead guilty then "...you will usually get a 33% reduction...' But obviously it's not guaranteed since they used the word usually.   Lastly is the fine going to be the £225 they've stated in the SJPN plus the fare avoided? Or is this the cost of raising the SJPN.   Thanks      
    • Yes and I think I pointed out that the enforceability of the CCA is dependant on more than the document you posted. On its own, the agreement sites all the correct terms and is compliant with section 77. However, it also has to comply with the agreement(copy) you signed, how can anyone who as not seen that document say one way or the other. I went on to explain how it would be impossible to calculate the terms on the second agreement from the first as the first did not exist. I seem to be constantly repeating myself, and I do not see you doing anything to move this case forward. 
    • Thanks dx, will have a look. Thank you.
  • Our picks

    • 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
×
×
  • Create New...