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I couln't belive my ears!!!


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:rolleyes:Well here I am, I didn't quite belive my ears "claim back all your unfair bank charges" !!! but here i am getting ready to send my letter before action.

 

Must admit untill this point I seemed a little unsure:confused:.....but I am very thankfull for friends bringing it to my attention. I have about 6,000 owing in charges, we had just starrted out just over 6 yrs ago and wasn't so clever as we are nowdays with our money.

 

Looking forward to see what they have to say now be expecting a nice donation coming your way if we win.....

 

Question, has anyone actually been to court yet with RBS??? I'm sure there are threads but tbh I don't really have that much time to read up on these.

 

Wish me luck!!! :p

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Loki !

 

I could'nt beleive my eyes ! Thought I saw 2 posts the same.

 

Looks like you've had a reply to the other one.

 

Best wishes.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Well your eyes didn't decive you! there are two posts. I did this by mistake :confused:

 

Anyone let me know if I can either delete one of them or link up both threads??

 

Cheers

 

Michelle :razz:

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Hi Michelle,

 

I'm humpty at typing too ! Maybe one of the Mod's will see this and delete it.:razz:

 

Regards.

 

 

Scott.

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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:lol:Thanks for that! maroondevo52

 

Well just to give you all an update....... I have sent off our letter before action special delivery (no chance then they can say that it got lost!).

 

All that's left to do now is to sit & wait.....will keep you all posted.:p

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Hi Michelle,

 

I've just handed in 2 claims to the sheriff officers, I'll be doing the same as you now, sitting and waiting.

 

Best wishes with your claim.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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If you send a private message to one of the mods they will merge both your threads for you ... just click on their user name & there will be an option to 'send private message' ... it's kinda like e-mail!

 

Some mods actually don't accept PM's but it will tell you if that's the case

 

Good luck with the rest of your claim :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Thanks for that Chezt, but how do I know who is a mod??? *Sory new to all this.:(

 

Right anyways, Had a letter this morning from RBS dated 9th January 07

 

Dear Rikki (on personal terms now I want my money back!!!):o

 

Thankyou for your letter dated 22nd December 2006

 

I am sorry that we have not yet been able to respond to you and would ask that you bear with us in the meantime. We are currently investingating and will respond to you as soon as possible.

 

Thankyou for your patience to date

 

Sandy watt.

 

Firstly they recived our letter on the 20th December, not the 22nd! ( I do special delivery you see and now what date is on the letter!!!)

 

Secondly today is 18th January 2007, and the letter is dated 9th January 2007. Were has it been ??

 

Thirdly, which banana boat do they think we have got off ???? We sent our letter before action on the 15th Jan !!! Think they have panicked and post dated the letter personally!!!!

 

So they have still got 14 days and counting from the 15th Jan untill we take the next step!!!! They better get moving hehehe:lol:

 

So will keep you all posted!!!!

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Lot's of us have had identical letter (except dates) from Sandy Watt (YTS - very keen - here's a big pile of letters, answer them) reference CHGS and on a first-name basis.

 

Generally speaking the letter refers to a letter you haven't written (or on a date you didn't write it - if you get my drift.)

 

Maybe this a new tactic whereby the bank intends to claim institutional insanity as a defence.

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Thanks for that Chezt, but how do I know who is a mod??? *Sory new to all this.:(

 

A moderator has that very word under their user name ... You should notice as you are reading round the other threads .. shouldn't be too hard to spot one!

 

Right anyways, Had a letter this morning from RBS dated 9th January 07

 

Dear Rikki (on personal terms now I want my money back!!!):o

 

Thankyou for your letter dated 22nd December 2006

 

I am sorry that we have not yet been able to respond to you and would ask that you bear with us in the meantime. We are currently investingating and will respond to you as soon as possible.

 

Thankyou for your patience to date

 

Sandy watt.!!!!

 

I had same letter too from dear Sandy .. whoever he or she is!

 

Firstly they recived our letter on the 20th December, not the 22nd! ( I do special delivery you see and now what date is on the letter!!!)!!!!
My letter quoted the wrong date also ... good eh :rolleyes:

 

 

Stick to your deadline as these letters are obviously not worth the paper they were written on .... deffo giving some young trainee to do rather than photocopying & making coffee anyway!

  • Confused 1

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Thanks for all your advise and words of support everyone:p

 

Lets hope we here something soon.......I suppose in the meantime I'll just think of all those poor little YTS people, posting and licking all those replys!!!!!

 

I mean do you know how many calories is on an envolope :lol:

 

There probably paying them with all our charges they have taken off us all!:mad:

 

Michelle x

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I mean do you know how many calories is on an envolope :lol:

 

 

A young anorexic girl I used to work with told us there was one calorie in a stamp! Thank heavens for the invention of the self adhesive stuff eh ... sooner have a choccie bar meself! :D

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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aahhh cheers for the click :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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There are just using the same tactic's we are! all the same letters with different dates!

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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How cynical! ;)

 

I know ... who would think such a thing eh?? :rolleyes:

 

Hey Hydra ... seen you around loads ... don't worry I'm not chatin u up ... just wanted to ask (as I'm sure many have b4 me) WHAT IS YOUR AVATAR PICCIE???? :confused: :confused: :confused: I've had a good look n can't figure that one out!

 

*Apologies Loki for hijacking your thread ... just couldn't resist asking!*

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Looks like a Bank Manager after receiving all our letters!!

 

Just sticking his head up his A**E!!!!!

Woolwich N1 issued 15.01.07 £11k

Acknowledged 01.02.07

Defence Filed 15.02.07

AQ Filed 21.02.07

AQ Deadline 05.03.07

Woolwich AQ late, given till 16.03.07

29.03.07, Judgement rec, woolwich to pay up by 10.04.07

Money received 16.04.07

 

Nationwide MCOL issued 22.01.07 £1k

Settled in full 05.02.07:D

Account being closed

Appeared on Watchdog 20.02.07

 

Abbey Issue MCOL £5k 24.01.07

Defence Filed 21.02.07

29.03.07, AQ hearing set for 20.04.07 with other like cases.

11.04.07, Full settlement letter received for £5,769.12

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Looks like a Bank Manager after receiving all our letters!!

 

Just sticking his head up his A**E!!!!!

 

Cor ur good ... so it does .... I REALLY couldn't work that one out .... EEeeeeeewwwww! :o

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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*Apologies Loki for hijacking your thread ... just couldn't resist asking!*

 

 

No problem chezt, I'mm glad you asked, its been bugging me for ages :razz:

 

Do you think he could breath up there? ;) Or do you think hes looking for the sunshine??

 

Anyway..............got a reply to our LBA, just the same as before with a different date!!!

 

Still ticking :D

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No problem chezt, I'mm glad you asked, its been bugging me for ages :razz:

 

Do you think he could breath up there? ;) Or do you think hes looking for the sunshine??

 

Anyway..............got a reply to our LBA, just the same as before with a different date!!!

 

Still ticking :D

 

haha ... where the sun don't shine eh?! ;)

 

No susprises there then with the reply .... :rolleyes:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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I've just been reading through a few of the threads, and I remember reading somewere some one saying that if you have a royalties gold account that there is a different way into claiming. Is this right??:|

 

Got a feeling taht I might have messed my claim if this is the case.

 

A little advise if you can some one :p

 

Thanks

 

Michelle

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I've just been reading through a few of the threads, and I remember reading somewere some one saying that if you have a royalties gold account that there is a different way into claiming. Is this right??:|

 

Got a feeling taht I might have messed my claim if this is the case.

 

A little advise if you can some one :p

 

Thanks

 

Michelle

 

Michelle, it's just that with a Royalties accounts you usually pay an amount each month for the running of it and all the benefits it offers which is a service charge. This can not be re-claimed as it is for a genuine service that you are being charged. There is no different way of claiming really, it's just you have to deduct this proportion of the monthly charge which refers to this.

 

I don't know how much the charge is these days but I'm sure you can find it either from their website or by reading some other threads in the RBoS forum on here

 

Hope that makes sense .... :)

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links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Royalties charge appears monthly on or around the same date (11th in my case) and I believe it was £8, then £10, now £12.

 

It might be mixed with overlimit penalty which can be claimed which is why you have to be careful.

 

On your statement it will appear as 'CHG TO XXXXXXX' (acc no.) and if its more than the figures above then you are being hit for overlimit.

 

Take the royalties fee off the CHG and claim that back.

 

I think livelylad is trying to get the history of the royalites charge so keep an eye on this link http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/57649-rbs-list-all-charges.html

 

There is a breakdown of the overlimit history there so you can work it out the other way about if you need to.

 

Clicky scales if this is any help :D

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Hi Loki

 

I regularly direct ppl to this.....should explain it for you.

 

HTH

 

__________________

 

If I've been help to you, click on my scales and add to my rep! :wink:

__________________

 

Stuck with RBS charges?

Click here!!

 

Settled

RBS Current Account1 £2794

RBS Current Account2 £503

HBOS Credit Card £498

 

Still to Settle

Barclaycard Est£180

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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