Royalties Gold/Prem account charge ??

[isidore]

Hi Dizzy. Will answer in order...

 

You don't need it to be. Providing you put on the first letter both your signatures and a bit saying please accept (other person)'s signature as authorisation for me to carry out this complaint myself. Be aware, any payment will either be paid into your joint account or will be made payable to both of you if you (unlikely) receive a cheque.

 

Claiming in excess of £5k has it's downsides, for starters you will be fastracked and as a result, will be exposed to the banks costs if things go wrong. Best solution to this is to split your claim into two periods of reasonably similar amounts so that you can make two claims through the small claims court (i.e. 2001-2004 and 2005-2007).

 

There are very few incidents of ANY accounts being closed let alone one that is not related to your complaint. Nationwide have recently been heavily fined for forcing people to close their accounts, I think that retaliatory option has been crossed off by the banks.

 

No one is denying whose fault it is, but the law clearly states that banks are NOT allowed to profit from your wrongdoings. Consequently, if it REALLY costs them £30 to send you a letter then you SHOULD feel guilty. There is research that believes it probably costs them closer to £2 so the other £28 goes towards the banks record profits. Don't think it should nag you from now on.

 

Good luck with your claim, take your time, do some research, read through the guides in the FAQ forum. You will have your £6k back in no time

[isidore]

Ummm....just replied to dizzy elsewhere :?

 

Lively, only a quick point I just spotted at the second time of reading it, you may have changed her user ID but you've left the email address visible in your quote hee hee

[isidore]

Hi Dizzy.

 

Firstly, I would advise you try to keep all your questions in the same post (if they relate to the same account) that way people can keep an eye on your progress. Rather than click on NEW POST every time, go to your previous thread and click REPLY. We can at least get a background of your claim

 

To answer your question, you are correct - really speaking you should have deducted your royalties charge because it is an agreed service and RBS have a sly way of doing things in that they add any referral charges (mainly £28) on with your monthly charge - it can be even higher than £43 with other things added in. For reference, I have written up about determining which charges to claim and which not to - a link is in my signature.

 

What to do about it? You could revise it or you could leave it. What's the worst they can do if you leave? Tell you to revise your statement. If they don't notice it then you've got away with it. On the flip side, if you revise it and revise it early, it could mean less mucking around further down the line. Your call I guess?

[isidore]

Right now, I think Gold is 12 and Prem is 15

[isidore]

yes that's right

[isidore]

Make sure you fill out the survey too

 

 

Well done!!