Score! Fighting RBoS with their own tactics

amosworks

Hey miss_angie1 and mboro: good luck with your claims! Pleaes keep us updated as to what happens

amosworks

MORPH3US wrote:

I'm really happy for the people who are getting money back but its kind of worrying that this could lead to people being a lot more lacksadasical (sp?) with their money in future because they know they can't get charged.

I don't think so, as I wreckon pretty soon the whole thing will be closed down if all 5 million (source: Ch 5 news) who are likely owed money try and claim it. Either they will reduce their charges to something that reflects the actual cost, stop providing free banking for all (which would undo a lot of work the government has been doing) or there will be a new law passed by the banks friends in government to stop it.

MORPH3US wrote:

How long until we get companies with the slogan "Have you been charged by your bank in the last 6 years, well you may be due a refund of several thousand pounds, call today and we'll help you, no win, no fee!!! :rotfl:

That's a great idea!!!

MORPH3US wrote:

BTW, does the refund of charges still apply on accounts that you have closed already, and what about if you complained about the charge at the time and they refunded half as a good will gesture, can you still claim the rest back?

Yes it applies to closed counts, as the offence was still committed by the bank in the eyes of the law and simply closing an account doesn't negate the law. The banks seem to think their T&C's somehow override the law Go figure

Also if you were given a part refund, and even signed something to say that you wouldn't try and claim the rest, you still can by all accounts I've read about.

Cantdance_2

I am well up for this - I reckon HSBC have had at least £100 from myself and my wife every month for at least a year now...

I just worry that at some point one of the banks will decide it's time to stop paying up to everyone that's trying this and take someone to court - and that'll be me!

I gather at the moment though, you can't lose?

James

amosworks

Hey James,

I'm sure that lady luck doesn't hate you Just get in there now ASAP to maximise your chances! In an ideal world, everyone charged unlawful penalties could claim back but I doubt somehow the banks friends in the government will allow that.

Take the evening to do it, it might be the most financially rewarding evening you've had in quite some time!

All you've got to lose is time, some stamps and, err, probably the several thousand Pounds the bank owes you.

Good luck!!!

amosworks

Well the 14 day deadline for RBS to repay me just expired so tomorrow morning I'm going to start my claim against them, and they've just allowed me to add the 8% interest calculated DAILY which adds another £618.76 to my claim, bringing the total to £2,629.76! (doesn't including the £50 County Court fee which I'll also reclaim!)

So by all accounts, within 2 weeks RBS will repay the money they stole from me, and in the process will also clear the money that I owe them. Sweet, sweet justice

It took me no more than 8 hours in total to go through my 6 years of statements, prepare and send 2 letters and has cost me about £3 in total. Assuming that they cave in (most likely), it gives this activity an hourly rate of £328 :eek: Not bad for a days work RBS just became my best friends again

silverelephant

After getting approx £545 of charges in the week (yes all those charges came off in the space of a week!) commencing 5 December ( :mad: ) 2005 we went and saw an advisor at our branch and we got a goodwill refund of £200 - do you think it's still worth our claiming. Oh yeah and if they had just paid the dd's and cheques it would have been approximately half of the £545 we ended up getting charged :eek:

amosworks

Absolutely! Go for it, it was unlawfully taken so reclaim it. Even if you've had a part payment. I would go down the route of claiming the £545 but make a note that £200 has already been paid. If you go so far as starting a claim, list all £545 of charges but say that £200 has been paid as it would be unclear exactly which of these charges has been refunded. (Doing this will save complication I believe, best to keep it simple)

Don't forget you can reclaim all charges on all accounts, open and closed, over the last 6 years.

Good luck!

silverelephant

Thanks amosworks - and keep us all posted on how you're getting on!

amosworks

Nghaaa, court fee isn't £50, it's £120. I can get it back and it's small fry in comparison to the almost £3k I'm claiming. I'm kinda hovering over the submit button and wondering whether I should commit to gifting a % of my award to charity before I start this ball rolling and get carried away.

You see, I've started work on 13 other cases of unfair charges, 12 for me and one for my OH. I really hope this doesn't make me a bad person