Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


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  1. #1
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    Default fivelaws v RBS Credit Card

    Prelim dated 29/Dec claiming £970 which included CI at 16.95%

    Offer of £177 dated 11-Jan.

    lbaicon dated 12-Jan.

    Final 'I am sorry...' letter dated 18-Jan.

    N1 printed & ready to file on Monday morning for the full amount of £891+fees (this being lower, because I had inadvertently included a couple of charges older than 6 yearsicon and didn't fancy the complications).

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  2. #2
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    Default Re: fivelaws v RBS Credit Card

    Hi fivelaws,

    If you only have a couple of pre-6 year charges, I'd be inclined to leave them in the claim. Pre-6 year claims tend to be problematic when they're comprised mainly/wholly of pre-6 year charges, but if you only have a couple, you should be fine.

    Best of luck


  3. #3
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    Default Re: fivelaws v RBS Credit Card

    yo! oh pink haired one!

    how goes you?


  4. #4
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    Default Re: fivelaws v RBS Credit Card

    actually... that goes for both of you


  5. #5
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    Default Re: fivelaws v RBS Credit Card

    21-Jan. N1 Filed @ Aldershot & Farnham county courticon.

    ----------

    Monsieur Crusher. Nice new avatar. I 'spose the pinkness is a bit passe now?

    The cause of all my financial problems was a small business I started up 7 years ago which basically drained me of money. I finally bit the bullet (3 or 4 years late) and walked away just over 12 months ago and went freelance. Things couldn't have worked out better and I'm very nearly back to "ground zero" with almost no non-mortgage debt.

    These last 3 claims pretty much cancel what I've got left. Which is quite sweet!

    Ironically, considering your name, my lifeline in the early days were HSBCicon, who were brilliant. The new work has sent me to Hong Kong a few times, so I've got a wallet full of HSBC branded banknotes (they print their own!) and I've walked past their global HQ!

    How's yourself?

    <edit>just noticed... your modness. Yay!</edit>

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  6. #6
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    Default Re: fivelaws v RBS Credit Card

    yay indeed

    as for HSBCicon... dont swear at me!

    HSBC banknotes... you mean they actually print their OWN money...

    (actually, they are not that bad.. well the staff anyway. My branch was brilliant, it was the "others" further up the chain... you know, those who you cant get to talk to)



    HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE
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  7. #7
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    Default Re: fivelaws v RBS Credit Card

    Coincraft: Uncirculated Hong Kong 5 dollars

    I think they've recently stopped printing their own, but about 50% of the notes in Hong Kong are HSBCicon ones.

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  8. #8
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    Default Re: fivelaws v RBS Credit Card

    steady on hun, you'll give poor crusher a heart attack!!!


  9. #9
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    Default Re: fivelaws v RBS Credit Card







    NOOOOOOOOOOOOOOOOOOOOOOOO OOOOOOOO.........



    HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE
    Capital One WON Link HERE
    GE capital (5 accounts) WON link HERE
    Lloyds bank account WON second claim starting! link HERE
    Budget insurance cough up WON link HERE
    Principles WON link HERE
    A&L (Mrs Crusher's account) claim link HERE
    Barclays claim link HERE

    Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.
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  10. #10
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    Default Re: fivelaws v RBS Credit Card

    Lol...................... .....

    You can almost see the steam coming out of poor Crusher's plunger!!


  11. #11
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    Default Re: fivelaws v RBS Credit Card

    Acknowledgement of service dated 6-Feb.

    The CC must be busy - it's taken them more than a week to get the notice out to me.

    Interestingly, the MINT claim has been handed to Cobbetts, whilst this one is being dealt with by 'Group Litigation' in London.

    Why the difference when they are both RBSicon?

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  12. #12
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    Default Re: fivelaws v RBS Credit Card

    aqicon returned.

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  13. #13
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    Default Re: fivelaws v RBS Credit Card

    Quote Originally Posted by fivelaws View Post

    Interestingly, the MINT claim has been handed to Cobbetts, whilst this one is being dealt with by 'Group Litigation' in London.

    Why the difference when they are both RBSicon?
    not sure.... does seem strange.



    HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE
    Capital One WON Link HERE
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    Budget insurance cough up WON link HERE
    Principles WON link HERE
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    Barclays claim link HERE

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  14. #14
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    Default Re: fivelaws v RBS Credit Card

    Nothing to see here... move along.


    (Edit : Posted comment on wrong thread - sorry).

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  15. #15
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    Default Re: fivelaws v RBS Credit Card

    Offer!

    Private courier firm delivered a letter this morning from RBSicon Group Litigation.

    a) The letter had the wrong address, but fortunately they managed to work this out...

    b) The offer was for about 2/3rds of the claim.

    c) Cheque enclosed.

    d) Usual restrictions.


    Was tempted. Was *very* tempted... Sent a No.5 rejection letter along with the cancelled cheque.

    Getting closer....

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  16. #16
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    Default Re: fivelaws v RBS Credit Card

    five laws.... five rejection letters.


    uncanny.


  17. #17
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    Default Re: fivelaws v RBS Credit Card

    *** WON ***

    I made a counter-offer that was mutually acceptable to both parties.

    Cheque in bank.


    *waves* Goodbye RBSicon. It was fun whilst it lasted....

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  18. #18
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    Default Re: fivelaws v RBS Credit Card

    excellent fivelaws, another one in the bank



    HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE
    Capital One WON Link HERE
    GE capital (5 accounts) WON link HERE
    Lloyds bank account WON second claim starting! link HERE
    Budget insurance cough up WON link HERE
    Principles WON link HERE
    A&L (Mrs Crusher's account) claim link HERE
    Barclays claim link HERE

    Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.
    IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!


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