stung by rbs

[dib182]

Hi,
Im knew here, I saw this advertised on Tv and decided after more than a year to finally do something about it. I got my hours cut at work xmas before last and as a result my income went down. I did the right thing and told the bank that there may be a problem after the xmas as I had less income, this they acknowledged and did nothing about. Come the February my father died and left me some money but obviously I had to wait for the probate to be sorted. I told the bank and showed them the will that stated I had a half share of his property. I had received a lot of charges the week earlier and asked them if they could extend my overdraft for 2 weeks as I had several thousand coming to me earlier than first thought. They refused and said they would give me a loan to pay off my overdraft of £1000 and I would then be in credit by £10. All the time they were bouncing direct debits and charging me. I eventually had to agree and they for some reason cancelled my cheque card that I hadn't been using and handed my account over to an account manager in Manchester. Two weeks later I paid off my £20,000 loan and put a further £10,000 into my account yet I only got my card back 3 weeks ago. In 3 weeks I accrued just over £1000 in charges and I would imagine my credit rating went down the toilet as well. Now its payback time.
I am just about to send my Data Protection Act letter to the registered address in edinburgh, dont know if its the right one but it came up on the search link.

-------------------------------------------------
Sent Data Protection Act to rbos registered office, awaiting return 05/08/06
Just received my statements, stage 2 now 31/08/06
First letter going out today asking for my money and loan amount back £1,731.00 charges £1,893.54 loan 02/09/06
No reply to my first letter, now posting next one. 19/09/06
Received very polite letter 20 days after first letter sent saying NO-WAY 22/09/06
On-line court proceedings started 04/10/06
Received acknowledgement of service to defend full claim 19/10/06
Received a copy of defence, been reffered to my local court 08/11/06
First offer made £1050.00, deadline ran out before receiving offer oops. 02/12/06
Received updated defence 20/12/06

[BlueRuby]

Whenever I read a story like yours and hear what complete wunches the banks are it makes me so angry. They don't care about us, they don't care if we struggle, they don't care if we go under, they just keep charging us. Go get your charges back and the interest and your costs. I keep thinking we should be able to claim compensation as well but I don't know how we'd go about it. Keep us posted. BTW I think you can add the loan to your claim. You said they pretty well forced you to take it out to cover your charges. Somebody on here got their charges back plus the loan they took out to pay them - I think it was Lloyds but unfortunately I can't remember the title of the thread! I just remember it came to about £17,000 Sorry not to be more help. Maybe someone else can remember

[dib182]

thanks for that, to be honest I never thought of the loan

[BlueRuby]

http://www.consumeractiongroup.co.uk...ight=loan+back

Here it is

[davefirewalker]

My first thought would be "stuff the B****s" I'd move my money elsewhere then go for the jugular in a big way


Dave

[HadEnough]

There is a way you can get a form of "compensation". Charge them the contractual interest! Have a read of these Why is no one claiming the contractual rate of interest???. A New Way of Looking at Interest

[dib182]

Originally Posted by HadEnough

There is a way you can get a form of "compensation". Charge them the contractual interest! Have a read of these Why is no one claiming the contractual rate of interest???. A New Way of Looking at Interest

Ill be going for the higher rate, defo.

[dib182]

I sent the original 2 letters to the head office in edinburgh, not to my local branch. Went on line to fill out the court forms and you cant sue someone in scotland with the on line version for some reason, so I sent it to my local branch on the theory that they wont deal with it but send it on to the head office anyway. Will be interesting to see what happens here, it might of caused problems on what was originally a straight forward case. We will see. Nothing to lose, got no money to pay their costs anyway , but on the other hand I could win a few grand back from them

[dib182]

Received a letter from the northampton court today saying the RBS intent to defend the claim in full. They now have their 28 days to submit their defence. The response pack has come from Cobbetts LLP, king street, Manchester. and signed by a Lynsey Burgoyne, position of solicitor. Anyone had dealings with these people yet ?

[weej]

Not personally, but I have seen LB's name come up loads of times on this forum. In fact, she's nearly as famous as Tommy McLean.

Fret not.. your money is coming!

J

[dib182]

Yes looking through some threads I see what you mean, she is fairly popular. I posted my court papers via the internet and so the case would be heard in Northampton. Going on the theory that it is to far for them to bother going to defend a couple of grand. Long way for me to I am in merseyside

[mark.wall]

I am also dealing with Cobbetts and have recieved their defence papers with an attached questionaire. I am stuggling to understand the legalese. They seem to be saying that they want me to show were they have broken the contract with them by showing the contract between RBOS and me. I do not have that ... from years ago. I am wondering what I show do. Any suggestions?

See my post under my thread for full drtails.

[DNA]

Originally Posted by dib182

Yes looking through some threads I see what you mean, she is fairly popular. I posted my court papers via the internet and so the case would be heard in Northampton. Going on the theory that it is to far for them to bother going to defend a couple of grand. Long way for me to I am in merseyside

The MCOL clearing centre is Northampton. When RBS file their Defence, the claim will be transferred to your local County Court according to your post code, so the final hearing won't be in Northampton unless you are in their catchment area.