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    • Hi all,   I hope this is the right forum to ask the question.    Today I have had a knock on the door, with a man claiming to be a roofer saying that he and his team is doing a big job near by and today there is some down time and they would like to go around the neighborhood to find extra jobs with a discount. He looked genuine enough and asked if I would like to have my gutters cleaned.  When he gave the price of 120 pounds and that he would do it straight away.  I agreed.    I was very busy today with back to back work meetings and I just left them doing the job.  Soon one of his team came to me again saying that while cleaning the gutter he saw some missing slated and rotten timber underneath, with some small birds nesting in the holes, asking if I would like to get it fixed.  I asked for a quote and he said no more than a couple of hundred and he can do it quickly.  If I don't fix it then potentially it would result in damages to the walls etc.  He wanted to show me the damages but I was in the middle of a meeting and just agreed, but insisted that I must be informed of any more work and anything more expensive I need to see a quote first before deciding.   So about two hours later they told me they have completed the job --- I did not observe them.  And to my estonishment they gave an invoice initially of 1750 pounds!  The reason, they explained was that they went on to the flat roof and find edge of the roof splines to be in a poor condition and decided to repair those for me.  They used concrete to secure them and was quoting 40 pounds each, for total of 41.  They also said they sealed the lead covers underneath.  The original job to fix the rotten timber was quoted at around 500 (already much more than I was expecting).  They gave me a discount which resulted in that 1750 figure.  They claimed repairing those were necessary as part of repairing the rotten timbers?  I am no expert but it didn't sound right.   I am definitely not happy and asked for an itemized breakdown of materials and labour before I will consider paying any of it. They then sent me an invoice of 1500 with no details at all.   It has now dawned on me that all of it feels so fishy.  I am considering my next actions:   - I am willing to pay for gutter cleaning - I am willing to pay for the repairs for rotten timber, IF they can provide proof of what they have done.  I am asking for before and after photos. - I am not willing to pay for the work I have not asked for and did not know of beforehand.  They tried to make it sound like I agreed to it, but I am quite certain I definitely did not.  However there is no proof, everything is verbal.   There are no contracts signed.  As of now I have not paid them a penny.   I wish to seek advice on if my next step actions are reasonable and what other courses I should take?  To be honest I am now really gutted that I opened the door for them, and I am now even not sure if they had actually replaced anything on my roof as I did not see any rotten timber being taken down, no waste whatsoever.  I am even more worried if the roof was damaged in the process.   I am sure they will be coming back to my house tomorrow to demand payment, so any advice on how to deal with them would be really helpful.  I also don't want to antagonise them, I have no idea who those people are, I checked their company and it looks like they only established it last year.   Thank you so much in advance!    
    • You think the "Local Council" (of other authority depending on the status of the road) had a responsibility to take winter weather precautions for your protection.   Before gaining my support, can you confirm that you did similarly by equipping your car with 'winter' tyres?   Most people 'south of the border' do not bother. In many countries/regions (including where I live) they are obligatory in winter months irrespective of daily weather conditions.  They work, even on black ice, but adapting driving style is still required.
    • well cabot get nowt then.   cant hurt to CCA BC, they never kept them in the right format most of the time anyway.   the Barclays OD , what i means is you are no longer having any wages/benefits or anything paid into it...thus you are controlling when it ever gets any money...whats the sum?
    • aI have made a further complaint to the ICO regarding the second incomplete data disclosure received from Ombudsman Services. Within their disclosure is a key document missing a date. The date on the document I am in receipt of does not match the data of the document the Ombudsman disclosed and appears as if their document could have been deliberately falsely dated by a member of staff that works(ed?) in the "Legal & Compliance Team".   I believe I am now in receipt of evidence that the OS is attempting to mislead both myself and the court.   Are the CAG aware that it is highly likely that a signifcant number of staff that work at Ombudsman Services also work on behalf of POPLA? This should certainly steer the understanding of what sort of treatment appellants can receive when using such a "service".
    • I received a iPhone from mobile phone direct, the agreement was 150Gb with O2 provider. O2 sent me SIM which doesn't work. I contact O2, I complain,I chat with O2 but the SIM card doesn't work.In 3 month but they keep send me bills. I don't pay. The final bill is 1200 pounds,but the iPhone cost 700- 800.   Because of this I lose some jobs and loss of earnings. I would like to pay the cost of the iPhone, and nothing else. I got county court in May. How can I set my defense. Thanks you.
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Its war on RBS


rachyrach
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Hey all. Today is the day I commence battle on RBS. Any advice and tips will be very welcome.

 

Hello and welcome, my best advice is to spend a few days reading teh FAQS and step by step instructons. This will give you a good knowledge of what to expect. Also read a few threads in the RBS forum.

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Thanks livelylad. I just hope it doesnt end up in court even tho i know it could happen

 

 

Very very unlikely. :D

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Hi!

 

In the FAQs is a step by step guide on what to do from start to finish. At the top of the RBS forum is a sticky that lists the addresses to contact RBS with.

 

Best advice is TAKE YOUR TIME. Read read and read until you are fully confident you know what you're doing. Making errors could prove costly!

 

Any problems, lay them out in your post and someone should be able to help.

 

Good luck!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Good girl!! Best of luck....not that you'll need it ;)

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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I have just had a result from them, so just keep your nerve, persist and be prepared for prevarication, patronisation and fob offs, if you get the ubiquitous Tommy McLean, just tell him, that many claims are being settled, and his name has been seen as authorising them!

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What you have to remember right now is that due to increased press and as a result an increase in the numbers of people doing this, they are probably struggling to deal with everyone on time. Added to that the christmas period, it will be taking a while right now. It can be disheartening at times, but allowing a little leeway to your deadlines helps keep things going. I gave HBOS an extra 7 days on my LBA after they missed the first deadline and sure enough a cheque was in the post.

 

Don't panic too much and remember the christmas post is going to be a big factor. If you're not happy with the lack of response, send a reminder letter but don't give up!!! You WILL get your money back.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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If you want a bit of a gee up, have a read through the post in my sig RBS Curren Account1. Will give you an idea of the procedure from start to finish and how long the whole thing takes.

 

Keep your chin up!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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No worries then, cos that one will be ME! hehe

 

Suffice it to say I think that's what everyone feels like first time round the block...but if you look closely you will find that several peeps here have got the N1 bug and are sueing just about anyone they can think of ;)

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hi folks.

 

received my statements last weekend and it turns out that RBS charged me approx £2700 in the LAST TWO AND A HALF YEARS. this is a very large amount and no wonder i struggled with my money. the prelim is out in the post today!

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hi folks.

 

received my statements last weekend and it turns out that RBS charged me approx £2700 in the LAST TWO AND A HALF YEARS. this is a very large amount and no wonder i struggled with my money. the prelim is out in the post today!

 

It really is an eye-opener when you do this isn't it? It makes me wonder how the hell I managed to get by with the constant charges and doubly determined to make sure I don't do it in the future!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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