Jump to content

Recommended Posts

I just want to remind everyone we are still looking for any T&Cs you might have lying around.

 

As early as possible, but any at all would be great.

 

If you have some can you please add to this thread.

 

Thankyou.

 

 

 

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/100922-cag-needs-your-help.html

Share this post


Link to post
Share on other sites

Hi SS-Lady

 

I just posted asking for these - has anyone submitted any to you? Do you have them electronically? I need them for my court bundle.

 

Thanks muchly

Monty

Share this post


Link to post
Share on other sites

The account was taken out in October 1998 and the charges range from Jan 2001 to September 2006.

 

Do you know if I need opening terms or terms that applied at the time the charges were levied?

Share this post


Link to post
Share on other sites

I put the first one in another thread somewhere, but I may as well add it here, along with the current T&C (in PDF form)

 

RBoS Terms & Conditions circa 1989 (92k)...

 

http://www.britcom.org.uk/cag/Royalties_T&C_circa_1989.pdf

 

RBoS Terms & Conditions Feb 2007 (approx 3Mb)

 

http://www.britcom.org.uk/cag/RBS_T&C_2007.pdf

 

Incidentally, both PDFs are text searchable.

Share this post


Link to post
Share on other sites

Thanks for these - I can't find any mention or implication that exceeding an agreed limit will incur a charge. Instead, it gets treated as an informal request for an overdraft. In these situations could it still be argued that by exceeding a limit a customer is in breach of contract? Wasn't this the key issue behind the recent Lloyds TSB successes?

 

I don't want it be seen as a legitimate service.

Share this post


Link to post
Share on other sites

Charges and Rates are on separate leaflets - see section C8 of the current T & Cs - for current charges see the link :-

 

"Fees, Interest and other charges

 

C.8 Fees for operating the account, interest rates and charges payable are charged as detailed in the 'Charges and rates of interest' insert relating to the accoun t and are subject to review from time to time. If any changes are made, details of the revised charges will be sent to you at least 30 days before the implementation date for the changes. "

 

RBS: Current Accounts - Rates & charges

 

Below are charges published in February 1999

 

Charges

The following monthly charges are payable on Royalties and

Royalties Gold:

Royalties £4

Royalties Gold £9

Monthly Service Charges: An additional monthly fee of £15 is payable on accounts which are overdrawn in excess of the agreed limit in any charging month. The service charging period is normally in line with the date we send your statement to you. Application: These charges are applied 16 days after the end of the charging period (or on the next business day if this is a Saturday, Sun day or Bank Holiday).

Referral fees: Where the Bank pays a debit drawn on the account which results in an unauthorised overdraft, a charge of £20 for each occasion is payable, subject to a maximum of £60 per month. This charge is applied monthly on the 6th business day of the following month.

Overdraft: We encourage all our customers to agree an overdraft limit in advance of any borrowing in order to avoid unnecessary excess charges.

For limits of £15,000 and above, arrangement fees (2% of facility) and renewal fees (1% of facility) will be payable.

 

 

Hope that helps you.

Share this post


Link to post
Share on other sites

Sorry Monty I only have PDF Reader and copying & pasting text a bit tricky but if you PM me your email address, I will send as attachments.

Share this post


Link to post
Share on other sites
Please fill in your quit date here

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Recently Browsing   0 Caggers

    No registered users viewing this page.



  • Tweets

  • Our picks

    • 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
      • 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/
      • 17 replies
    • I am new here but very glad to find my way here and would welcome any input.
       
      i purchased a brand new campervan conversion from Hillside Leisure (175 miles from our home) on July 26th for £31,000 and, within 48 hours, during a storm, the alarm began to sound incessantly. We could not get it to stop, even after trying everything listed in the manual. We phoned Hillside on Saturday July 28th around 2.00pm. The young man who answered the phone said he would seek the advice of their technician and call us back, which he did. The technician told us that they, Hillside, couldn’t help, but that we should take the van to Nissan (the van is a Nissan) as the fault would lie with one of their components.
       
      • 42 replies
×
×
  • Create New...