The post office website says Royal Mail Group plc is a public limited company wholly owned by the Government' not really sure what this means. Anybody?

The post office website says Royal Mail Group plc is a public limited company wholly owned by the Government' not really sure what this means. Anybody?

http://www.royalmailgroup.com/aboutus/about_us.asp

http://www.royalmailgroup.com/aboutus/about_us.asp

Looks like they don't have any other accounts than the one you pay benefit into anyway. Oh well

Looks like they don't have any other accounts than the one you pay benefit into anyway. Oh well

After looking at the website it says they are still 'wholly owned by the government'. I'll get a copy of the terms and conditions tomorrow.

After looking at the website it says they are still 'wholly owned by the government'. I'll get a copy of the terms and conditions tomorrow.

Just a thought to Dave and Bankfodder. Would I be right in thinking that the best way forward as far as future banking would be to open a current account with the post office. Surly if they imposed charges it would be the Government itself who are breaking the law. And mmm what fun would we have then :twisted:

Just a thought to Dave and Bankfodder. Would I be right in thinking that the best way forward as far as future banking would be to open a current account with the post office. Surly if they imposed charges it would be the Government itself who are breaking the law. And mmm what fun would we have then :twisted:

Sorry Pennyless I forgot to mention that my reasoning is that the Post Office is still wholly as in 100% owned by the government!!!

Sorry Pennyless I forgot to mention that my reasoning is that the Post Office is still wholly as in 100% owned by the government!!!

Well after a bit of thought I rekon that a current account with the post office would be a good idea..I mean if they aren't beholdent to the law of the land who is. If they started imposing these ridiculous charges then it would be surley quite a wasps nest. What do Bankfodder and Dave think

Well after a bit of thought I rekon that a current account with the post office would be a good idea..I mean if they aren't beholdent to the law of the land who is. If they started imposing these ridiculous charges then it would be surley quite a wasps nest. What do Bankfodder and Dave think

Halifax have paid up!!!. Did the letter before action and got back the usual reply.. you signed the T&c etc etc. Filed the action and two weeks later got the usual 'it would not be economic for us to defend as it would probably go through the small claims track' . So being a nice chap I called them up and asked them if they would like to come to an amicable arrangement with regard to the rest of my charges which i intend to pursue. Amicable as in give me it back with interest etc. I also pointed out that it would be more economical for them to give me it now rather than be paying the court costs every time as i am issuing five more summons against them. The bloke on the phone was actually very nice and informed me that an executive decision had been made that no large sums of back dated charges would be made unless litigation was entered into. Well now I know where I stand don't I!. The next cases are going ahead without letter before action. The arrogance and total disregard for me as a customer is still astounding. However I am enjoying my big wad of cash which is helping me get over it as will the bottle of bubbles me and my wife are having tonight. As always big thanks to Bankfodder and Dave for their tirless effort. Also to the other moderators. I really cannot tell you what a huge difference to our lives this injection of cash to our finances is making. Again many many thanks. Gomad

Great that all seems abit clearer. Just a wee thought. A while back I had a dd coming out and was going to pay in some cash on the day it was due. I did this but they still charged me saying that it had to be cleared funds at the time they tried to take it out...apparently 5am!!! They said I should have paid it in the day before. Now here in Scotland there are all sorts of strange bank and public holidays...sometimes the banks seem to observe the different ones for FiFe or Edinburgh or Scotland or the UK... it gets alittle confusing. I told the Halifax that in this case I was not able to pay in money the day before because it was an Edinburgh Holiday being observed by the branch that I regularly use. They said it doesn't matter as they observe only UK holidays with regard to the operation of my account. I pointed out to them that my account was opened in Edinburgh and that surley the local holidays are relevent in a case such as this. You can imagine the kind of reply...just the usual blah blah blah. Does this then mean that if they sre operating my account by English bank hours and terms e.t.c that I would be able to,(if it goes that far) pursue my claim in an English court and therefore benefit fron the higher no fee limit. They did actually mention that the Banks HQ is still in Halifax and therefore it is an English operation eventhough HBOS is now based in Edinburgh. Sorry this is a bit confusing BF + Dave but would appriciate a little clarification as they do not seem to give a SH....damn as usual...any thoughts?

I was thinking about this over the weekend and went to open a rbs account today just in case......then I thought that keeping my cash under the mattress isn't as daft an idea as it seems. Perhaps society in general would be a whole lot better were it not for the parasitic financial institutions associated with debt!! Oh but then I forgot that I have to have a mortgage!!!

I was thinking about this over the weekend and went to open a rbs account today just in case......then I thought that keeping my cash under the mattress isn't as daft an idea as it seems. Perhaps society in general would be a whole lot better were it not for the parasitic financial institutions associated with debt!! Oh but then I forgot that I have to have a mortgage!!!

They did the same to me totalling about £100ish and when I challenged them a bit they siad that the direct debits and cheques were taken out at around 5am!! And even though I paid in cash at a counter!!! at 12pm!!! and got a reciept to say they had my money!!! on that day!!!. I said how am I supposed to put money in the bank at 5am and they told me it should have been in the day before. So if I am correct it means that the banks now expect to have the money for a day more than should really be necessary. On the phone I even told them that if I put any more money into my account I will not be able to go shopping for food for my wife and child because they keep stealing it from me. I know it sounds a bit of a sob story but unfortunatly its true. They just told me that it is my responsibility to keep my account in order......I thought they were thievings beggers but this beggers belief!!!!

They did the same to me totalling about £100ish and when I challenged them a bit they siad that the direct debits and cheques were taken out at around 5am!! And even though I paid in cash at a counter!!! at 12pm!!! and got a reciept to say they had my money!!! on that day!!!. I said how am I supposed to put money in the bank at 5am and they told me it should have been in the day before. So if I am correct it means that the banks now expect to have the money for a day more than should really be necessary. On the phone I even told them that if I put any more money into my account I will not be able to go shopping for food for my wife and child because they keep stealing it from me. I know it sounds a bit of a sob story but unfortunatly its true. They just told me that it is my responsibility to keep my account in order......I thought they were thievings beggers but this beggers belief!!!!

Thanks BF. Actually I read around here alot in fact probably too much. It just seemed that many people were having problems getting any statements at all without a lot of trouble and when all of mine turned up I was a little suprised. Somewhere on here I was sure that I read that there was no reason for not claiming all the charges back as if the banks have an unfair term in contract law then does it state a period of limitation. Someone said it had just not been tried yet. But if you say it's six years then I'll go for that as I we could really do with anything right now and you chaps seem to know whats what. These banks have really made life very difficult for my wife and I. Although one card that only had £300 I am tempted to try for the lot just to see what happens. If I lose that one it will not be too much if I get the £7800 from the six claims I've sent over the last three days. Why is it that if I have been charged huge APR on credit card debt, a large proportion being made up of charges, the court would only grant 8% on an award if it got to court. Would it not be reasonable to expect that the interest refunded is equal to that initially paid?

I got all my statements and for two accounts it was ten years worth. In my letter I asked for the charges for the whole period. If I don't recieve a settlement and end up starting court proceedings is there any point trying for it all or should I just go for the six years as most people seem to be doing. Any advice would be apprieciated.

Sorry all that should read TRINITY ROAD