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.
Hi Guys, Firstly can I say a big hello to all Glaswegians, fellow Scotsmen and our English Friends and secondly thanks to all who have so far contibuted to this forum, fascinating reading if ever there was, so much so I have been spurned into action myself against the RBoS. I put in the letter requesting all charges against my account since 2000 on the 7th June 2006, the cheque was cashed on the 15th June 2006. Now can someone clarify the 40 day response is it 40 working days or 40 calender days, I need this clarified asap please, as the date if 40 calender days is 17th July 2006.I will keep you all posted on my joust with the RBos
The 17th July came and went still no response from RBoS have now completed the lba giving further 7 days for release of the info or will take them to court this will be issued on Monday 24th July
Data Protection sent 07/06/06
No reply 17/07/06
LBA for Non Compliance S.A.R - (Subject Access Request) in 24/07/06
Statements received (incomplete) 28/07/06
LBA for Non Compliance in 31/07/06
Prelim letter for £2945 in 31/07/06
Received standard fob off letter 08/08/06
LBA for £3071 will be delivered on 14/08/06
Small Claims action for £742 lodged with Glasgow Sheriff Court 29/08/06
Letter offering £1846 for Full and Final Settlement Received 02/09/06
HENRY FORD 1863 - 1947
“ It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.”
Still no statements form RBoS lba giving 7 days for info went in today
Data Protection sent 07/06/06
No reply 17/07/06
LBA for Non Compliance S.A.R - (Subject Access Request) in 24/07/06
Statements received (incomplete) 28/07/06
LBA for Non Compliance in 31/07/06
Prelim letter for £2945 in 31/07/06
Received standard fob off letter 08/08/06
LBA for £3071 will be delivered on 14/08/06
Small Claims action for £742 lodged with Glasgow Sheriff Court 29/08/06
Letter offering £1846 for Full and Final Settlement Received 02/09/06
HENRY FORD 1863 - 1947
“ It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.”
Hi Folks got my statements today can someone help me I need some guidance on what I can reclaim back got all my default charges ok but unsure about monthly charges on the account with no description. HELP thanks
Data Protection sent 07/06/06
No reply 17/07/06
LBA for Non Compliance S.A.R - (Subject Access Request) in 24/07/06
Statements received (incomplete) 28/07/06
LBA for Non Compliance in 31/07/06
Prelim letter for £2945 in 31/07/06
Received standard fob off letter 08/08/06
LBA for £3071 will be delivered on 14/08/06
Small Claims action for £742 lodged with Glasgow Sheriff Court 29/08/06
Letter offering £1846 for Full and Final Settlement Received 02/09/06
HENRY FORD 1863 - 1947
“ It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.”
do you have a "special account" like royalties
if so in the monthly account charges you will find £9 at first or £10 a bit later these are normal and you cant claim them. HOWEVER they also mix in overlimit fees with these and these are £15 + £20
So if you see a charge of £24 its £9 + £15 dont claim the £9
A bit later on you might find £30 this will be £10 + £20 dont claim the £10
hope this helps
Dave
** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **
see you stand like greyhounds in the slips,
Straining upon the start. The game's afoot:
Follow your spirit; and, upon this charge
Cry 'God for Harry! England and Saint George!'
If you think I have helped, informed, or amused you do the clickey scaley thing !!
Hi phoned RBS ref historical statement charge of £5 on my account told it would be credited back to me also i was informed that they only hold 6 years worth of statements, is this correct??
Data Protection sent 07/06/06
No reply 17/07/06
LBA for Non Compliance S.A.R - (Subject Access Request) in 24/07/06
Statements received (incomplete) 28/07/06
LBA for Non Compliance in 31/07/06
Prelim letter for £2945 in 31/07/06
Received standard fob off letter 08/08/06
LBA for £3071 will be delivered on 14/08/06
Small Claims action for £742 lodged with Glasgow Sheriff Court 29/08/06
Letter offering £1846 for Full and Final Settlement Received 02/09/06
HENRY FORD 1863 - 1947
“ It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.”
I think that they hold them for longer than that, but they may be playing the "statute of limitations" card. where they think that they only have to supply the last 6 years worth.
In one of these threads is a discussion on claiming back longer than 6 years. have a look to see if you can find it.
Dave
** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **
see you stand like greyhounds in the slips,
Straining upon the start. The game's afoot:
Follow your spirit; and, upon this charge
Cry 'God for Harry! England and Saint George!'
If you think I have helped, informed, or amused you do the clickey scaley thing !!
do you have a "special account" like royalties
if so in the monthly account charges you will find £9 at first or £10 a bit later these are normal and you cant claim them. HOWEVER they also mix in overlimit fees with these and these are £15 + £20
So if you see a charge of £24 its £9 + £15 dont claim the £9
A bit later on you might find £30 this will be £10 + £20 dont claim the £10
hope this helps
Dave
So just to clarify, on my account some charges are £38 (unpaid d/d) others are £34. What do I claim?
you can clain the £38 unpaid d/d
you can claim referal fees £30
as for the £34 i think that this is made up with £9 service charge and £25 overlimit fee
so I would be claiming the £25 portion of it
Dave
** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **
see you stand like greyhounds in the slips,
Straining upon the start. The game's afoot:
Follow your spirit; and, upon this charge
Cry 'God for Harry! England and Saint George!'
If you think I have helped, informed, or amused you do the clickey scaley thing !!
Have now completed Forms 1a and 1b will be handing them in to Court on Tuesday. Anyone else at this stage?
Data Protection sent 07/06/06
No reply 17/07/06
LBA for Non Compliance S.A.R - (Subject Access Request) in 24/07/06
Statements received (incomplete) 28/07/06
LBA for Non Compliance in 31/07/06
Prelim letter for £2945 in 31/07/06
Received standard fob off letter 08/08/06
LBA for £3071 will be delivered on 14/08/06
Small Claims action for £742 lodged with Glasgow Sheriff Court 29/08/06
Letter offering £1846 for Full and Final Settlement Received 02/09/06
HENRY FORD 1863 - 1947
“ It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.”
Hi just a quick question I am claiming in Scotland for the amount of £742 (1st claim) when I add the interest and £10 SAR fee and £39 Court costs it come to £1047.68 is it still ok to go via the small claims procedure.
Data Protection sent 07/06/06
No reply 17/07/06
LBA for Non Compliance S.A.R - (Subject Access Request) in 24/07/06
Statements received (incomplete) 28/07/06
LBA for Non Compliance in 31/07/06
Prelim letter for £2945 in 31/07/06
Received standard fob off letter 08/08/06
LBA for £3071 will be delivered on 14/08/06
Small Claims action for £742 lodged with Glasgow Sheriff Court 29/08/06
Letter offering £1846 for Full and Final Settlement Received 02/09/06
HENRY FORD 1863 - 1947
“ It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.”
Small Claims action for £742 lodged with Glasgow Sheriff Court 29/08/06
Letter offering £1846 for Full and final Settlement Received 02/09/06
Letter from Mr Tommy McLean offering £1846 recieved returned thanking him but informing him I want it all and will continue with court action until settled in full.
Data Protection sent 07/06/06
No reply 17/07/06
LBA for Non Compliance S.A.R - (Subject Access Request) in 24/07/06
Statements received (incomplete) 28/07/06
LBA for Non Compliance in 31/07/06
Prelim letter for £2945 in 31/07/06
Received standard fob off letter 08/08/06
LBA for £3071 will be delivered on 14/08/06
Small Claims action for £742 lodged with Glasgow Sheriff Court 29/08/06
Letter offering £1846 for Full and Final Settlement Received 02/09/06
HENRY FORD 1863 - 1947
“ It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.”
Celticsilver V RBOS
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If you think I have helped, informed, or amused you do the clickey scaley thing !! 
Originally Posted by davefirewalker
