Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
There is a whole heap of helpful information around. Head to the library and read the user guide, read through the FAQs, have a read through other people's threads to see how they're getting along.
There is a subforum in the RBS forum called RBS Successes, would be worth reading to see how other people did it!
If my post has been useful, tip my scales and let me know
Yeah, just do as T4FF says, have a good read around, it'll be a week or two before you get a reply from RBS so there's nought you can do except read up on process and other peeps experiences - best buy an A4 ring binder and keep all your correspondence to & from bank and other relevant documents in it, in chronological order so that you have everything at you fingertips, saves you scrabbling aboot looking for things when you need them.
“It's not personal, Sonny. It's strictly business.”
best buy an A4 ring binder and keep all your correspondence to & from bank and other relevant documents in it, in chronological order so that you have everything at you fingertips, saves you scrabbling aboot looking for things when you need them.
Oooh I like that idea. It appeals to my nerdy side
If my post has been useful, tip my scales and let me know
I was about to start a few claims for some of my family members but I'm going to leave it until the OFT case has been resolved. I've requested the statements but thats it.
With my claim, I am up to the court stage & I'm about to send off the allocation questionnaire... I'm gonna go as far as I can with mine, then just wait.
Not sure if its right, but its what I'm doing.
As far as I'm aware, you cant actually loose anything, by carrying on... you only have to really lay any money out when you get to the court stage. If you can afford to wait to get that back then go for it, because if the OFT decide any different, you can always accept an offer from the banks, or strike an agreement when you get to court or amend your claim. What you originally claim doesn't have to be what you accept.
I'd wait for someone to confirm or reject what I say as I'm not very experienced, its just my opinion
So far I have paid £120 for sending my N1 form to file my claim & I am about to send £100 with my allocation questionnaire.
You only have to pay the £100 for the AQ if your claim is over £1500 & here's a link to the fees you'll need to pay at the N1 stage county court Fees I'm only saying this as once you start you cant really stop. So it should help you decide if you should carry on or not.
And I cant stress it enough...how important it is too read everything on this website & consumer wiki and ask questions. I learn something new everyday. & i'll help you as much as I can...
Got my statements at last just getting to grips with things! only thing is i had a Royalties Gold Account charge i thought was only £10.00 but ive seen charges for up to £30.00 for this can i claim this back and am i able to claim the monthly interest they charged me back! can anyone please help me
With regards to the overdraft interest, download one of the advanced spreadsheets if you wish to reclaim the portion of the interest that was debited on your account due to charges (you can't reclaim the whole amount of interst per se though). You'll find interest calculation spreadsheets in my signature (click on the A-Z guide to download).
Can't find what you're looking for? Please have a look at Michael Browne'sA-Z Guide
jazzbomb0607 vs RBS
new to all this so could anyone give me any advise please.
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Originally Posted by Yanni
