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    • Thank you. You haven't told us the values of the insurance work and of the additional work. I'm afraid that your comment about her being Spanish didn't look so good in the context of the other post talking about ethnicity. I would suggest that you stay clear of this kind of talk. You say that the property is leasehold. I'm assuming that the customer is the leasehold. Have you informed the insurance company of this problem? How much of any of this – especially the quotations for the additional work is in writing?
    • I'm just trying to be practical Do A Deal.   Mediate - they will give you few option and maybe nothing - but get rid of the default - off your record not just settled or satisfied.   Whatever you agree to make sure you stick to it or they might be back. Once it's over it will be behind you.    
    • Hi guys,    I got a straight lettr from Debt Recovery plus, and no other notice. the car is leased and I beleive it went to the lease company first. below is the details    For PCN's received through the post [ANPR camera capture]   please answer the following questions.   1 Date of the infringement    26/06/2019   2 Date on the NTK [this must have been received within 14 days from the 'offence' date]   Not sure, as the lease company recieved this. I only recieved a leeter from our registered address on the 11.09.2019 requsting £160, and than further letter on the 20.09.2019 with a notice to court   3 Date received   Not sure, as the lease company recieved this   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]   Not sure, as the lease company recieved this   5 Is there any photographic evidence of the event?   Not sure, as the lease company recieved this   6 Have you appealed? [Y/N?] post up your appeal] Have you had a response? [Y/N?] post it up   No, I have called them to ask for the original notice, and they said they will email this, but this has not happened. this was on the 20th September at 13.49   7 Who is the parking company?   APNR Parking Services Ltd   8. Where exactly [carpark name and town]   Prioiry Walk Service Yard, Queen Street, Colchester CO1 2PL   For either option, does it say which appeals body they operate under.   Does not state this    I fear that I cannot appeal because of the delay from getting it from the lease company, etc.    any help here would be greatly appreacitted   thanks   Irfan Khan     WORKFORCE - 11.9.2019.pdf WESL - 20.9.2019.pdf
    • Neither does your posts as we have already seen .. in posts 7 and 8           and still none.  
    • Hello,   i have recently missed a DD payment to X4L and have incurred a charge from harlands of £25, which i emailed in response to advising not  to take the payment on the next DD date due as advised in the letter received.   i confirmed over the telephone this was the appropriate action to take.   fast forward a week or so later and i get another letter advising another £25 has been added to the account despite my request.   i have absolutely no issue with payment of the first charge as this is my own fault etc. however i feel like the second occasions is ridiculous as i received no correspondence to advise it would still be taken...   Is this entirely my fault or am i within my rights to not make payment of the second charge?   i have looked through many forums and each case seemed to be ever so slightly different and wanted to ask the question?   thanks!!   
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Was RBS rude to do this?

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Hey everybody,


New poster here, I have been a lurker on here for a while now :-)


I am just wondering what other opinions are on this.



I contacted my bank RBS via their online complaints form 1 week ago.

I did not receive any kind of email verification from them to say that they had received my message,

the terms of their complaints procedure says that they will be in contact within 5 working days.


I have a disability and am unable to use the telephone because of it,

I explained this in the message,

I asked in webchat on Friday if they had received my message

but the person I chatted with said they had not received any thing,

but, she said that may be because it hadn't been 'logged' yet.


this evening I went back in again to ask if they had logged my complaint yet

and the person I chatted with said that he would get the complaints team to give me a ring,

so of course I explained to him again that this wouldn't be an option.


The conversation went a little something like this -


RBS man: I will get the complaints team to ring you shortly.

Me: I won't be able to speak to them via the telephone unfortunately due to my disability

RBS man: Sorry to hear that dear

Me: I will come back tomorrow and use the webchat

RBS man: Come back tomorrow and we will transfer the chat, will that do.


Now, I know this is probably horribily trivial

,but it's not the most professional thing in the world to call a customer 'dear',

I am personally not a senstive person at all but it did come across as condescending and perhaps rude?


I am just looking to see what peoples personal opinions are on this really?

Should I mention it to the complaints team?

I don't want to get this individual into any kind of trouble if he genuinly did not mean to be rude,

but other people may take this the wrong way?


He only seemed to become condescending after finding out I have a disability,

and that does get rather boring and irritating (As does typing the bloody word 'disability' :!:)


If he was being deliberately rude then I would mention it,

but I am not sure and really don't want to be overly sensitive.


Anyway, thank you all for reading my ramblings.

Edited by JaneJaneLane

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Now, I know this is probably horribily trivial,but it's not the most professional thing in the world to call a customer 'dear', I am personally not a senstive person at all but it did come across as condescending and perhaps rude?


It annoys me when someone I do not know addresses me as "mate", or even worse, "chap". My usual response is "don't be so damned impertinent. That will be sir to you.". If the message doesn't sink in, a quick word with his/her manager suggesting that the staff are given training in etiquette sometimes works.


But if a bank clerk ever addresses me as "dear", be assured, I would be filing a complaint at the highest level.:mad2:





No... you can't eat my brain just yet. I need it a little while longer.

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Its prob a slip of the tongue and they didn't mean any offence

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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probably did know how to respond ..



if the conversation had been on the phone

and you are female

and you indicated an issue



then its 'reasonable' for people to say dear vocally, 'sorry to hear that dear'...it shows empathy



its unusual to see it in type yes

but it was the 'webchat' which could be viewed as an alternate to phone.



so I'd say its reasonable to use in that context via that method of comms











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Thanks for your input, I won't worry about mentioning it :-)


Things got a bit odd today with RBS though, I was chatting with the complains team via the webchat option and the person I was speaking to somehow got me confused with my mother (Probably because of the same address?) and gave me my mums transaction details over the chat log, whoops.

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