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)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
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  1. 16th July 2006 16:18 #1
    fiona_c fiona_c is offline
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    Default Can't quite believe the total!!!

    Hi there
    I've just started on my quest to have charges returned from RBOS and added up the total charges over 2 accounts for last 6 yearsicon - nearly £15,000!!!!! Major contributing factor in my recent divorceicon - they know how to hit you when you're down - don't they? Watch this space - I will never give up!!

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  2. 16th July 2006 16:32 #2
    angelface69007 angelface69007 is offline
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    Default Re: Can't quite believe the total!!!

    Crikey Fiona, I thought I had it bad with just under £6,000. It'll be nice to get it back. good luck!

    RBOS: Fob off letter recieved 28th June.
    LBA for £2,690 & LBA for £3,240 sent 1st July. Replt to LBA'S recieved 14/7/06......fob off again!!! watch this space MCOL submitted 19/07/06
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  3. 16th July 2006 17:08 #3
    rosysparkle rosysparkle is offline
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    Default Re: Can't quite believe the total!!!

    Best of luck to you!


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  4. 16th July 2006 18:40 #4
    BlueRuby
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    Default Re: Can't quite believe the total!!!

    Wow, you're going to be busy for a while aren't you

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  5. 17th July 2006 13:33 #5
    koberoy koberoy is offline
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    Default Re: Can't quite believe the total!!!

    Hi Fiona ! Am i right in assuming you won`t be going the small claims route then

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  6. 17th July 2006 13:46 #6
    Chimera Chimera is offline
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    Default Re: Can't quite believe the total!!!

    Quote Originally Posted by koberoy
    Hi Fiona ! Am i right in assuming you won`t be going the small claims route then
    You can still go the small claims route if you want - this stops the worry of being asked to pay court costs of bank. You need to split the claim up into claims less than £5000. Do not persue them at the same time, as it may be ordered that they are put together, hence taking it out of the small claims court. Goo Luck anyway - it's a heck of a lot of money - hope you can put it to good use!

    Cahoot
    JBD issued - 27/07/06, warrant issued 08/08/06
    First Direct
    Settled in Full
    Capital One
    Prelim Sent
    Citi Financial
    Offer of difference betwen £30 and £12
    GE Capital - Evans Card, Data Protection Act
    Argos Card, DPA
    Barclay Card, 8th May-DPA, 14th July- 2nd DPA (asking complete history!!)
    Egg Card & Egg Loan,DPA
    NatWest Card
    LBA
    Vodfone
    3rd letter re: default
    Studio & Ace
    Prelim for Studio e-mailed

    Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

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  7. 17th July 2006 14:52 #7
    Tink Tink is offline
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    Default Re: Can't quite believe the total!!!

    Fiona,

    As you are in Scotland you'll need to break your claim down into batches of £750 via Small Claims or £1500 via Summary Cause.

    Our limits up here are pitiful compared to our English friends ......

    Good Luck

    T

    I will not be held liable for any advice/comments given... if in any doubt please consult professional advice.

    HBOS Acc1 - Small Claim Filed 31/07/06 - WON -21/8/06 - MCOL -06/09/06 - WON 13/09/06

    HBOS acc2 -Small Claim Filed 02/08/06 - WON 13/09/06 - Round 2 Prelim Letter sent 14/09.06 - LBA sent 27/09/06 - MCOL 16/10/06

    HBOS acc3 Prelim Letter sent 14/09/06 - LBA sent 27/09/06 - MCOL 16/10/06
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  8. 17th July 2006 14:58 #8
    Debt Girl Debt Girl is offline
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    Default Re: Can't quite believe the total!!!

    Good luck Fiona!

    RBS:
    Data Protection Act request sent 6/6/06
    Prelim sent 23/6/06 - no response
    LBA sent 10/7/06
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  9. 19th July 2006 16:03 #9
    fiona_c fiona_c is offline
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    Default Re: Can't quite believe the total!!!

    Hi everyone
    Thanks for your messages of good luck - I suspect that I may need them! I suspected over the years that we were being well ripped off by the bank, but was absolutely gob-smacked (and embarrassed) by the huge amount. No wonder we were constantly struggling! My letter of 'request for repayment' goes out today, so fingers crossed from here on. I'll certainly keep you posted and help anyone else out if possible. Huge thanks to site administrators for giving me this chance to claim my hard earned money back. We nearly worked ourselves into the ground trying to stay afloat while the bank happily took hundreds of pounds a month of us - for nothing!!
    Good luck to everyone else and don't give up!!
    Fiona

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