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.

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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.

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  1. #1
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    Default robo2 claim against rbs

    just about to send the preliminary approach letter can someone povide a link to he charges spreadsheet


  2. #2
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    Default Re: robo2 claim against rbs

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

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  3. #3
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    Default Re: robo2 claim against rbs

    couple of questions

    1.is the schedule of charges letter , just a spreadsheet with the bank charges on it/

    2. is it correct that the prelim leter should only include the actual banks charges not the interesticon?


  4. #4
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    Default Re: robo2 claim against rbs

    Yes, spot on, 1 & 2

    Regards.

    Scott.

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  5. #5
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    Default Re: robo2 claim against rbs

    a couple of questions

    1. what do i put in the schedule of claim for charges box under my sort code in the spreadsheet

    2. in the account number box the 2 zeros at the start of my account number wont show, is this ok?

    3. date from and date to is just the date from the first charge to the date of the last charge, is this correct?

    4. do i need to include the days since offense category?

    5. i take it in the respect of column you just list the reasons the bank has taken money off you. i.e card misuse, maintenance charge etc


  6. #6
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    Default Re: robo2 claim against rbs

    Hi robo2.

    1. I put PERIOD 08/11/2001 TO 10/07/2006 (1st charge & last charge)

    2. Is it a 16 digit number, what spreadsheet are you using ?

    3. Yes

    4. No

    5. I put, CHARGES AS NOTIFIED

    Regards.

    Scott.

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  7. #7
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    Default Re: robo2 claim against rbs

    Quote Originally Posted by maroondevo52 View Post
    Hi robo2.



    2. Is it a 16 digit number, what spreadsheet are you using ?



    Scott.
    no its the 8 digit account no under the sort code

    eg 00123456

    only 123456 is showing is this ok?


    this is the order the things appear
    my name
    my bank
    sort code
    account no - ITS this one im talking about
    "SCHEDULE OF CLAIM FOR CHARGES - i take it you dont change anything in this box
    period from and to

    i take it for the prelim letter you remove the interesticon column and the boxes with "
    "JUDICIAL INTEREST AT CURRENT RATE OF 8%" and "
    "TOTAL CLAIMED AT DATE OF JUDGEMENT OR PAYMENT" from the spreadsheet



  8. #8
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    Default Re: robo2 claim against rbs

    can anyone help me with these two points


    1.
    this is the order the things appear
    my name
    my bank
    sort code
    account no - ITS this one im talking about
    "SCHEDULE OF CLAIM FOR CHARGES - i take it you dont change anything in this box
    period from and to

    2.
    i take it for the prelim letter you remove the interesticon column and the boxes with "
    "JUDICIAL INTEREST AT CURRENT RATE OF 8%" and "
    "TOTAL CLAIMED AT DATE OF JUDGEMENT OR PAYMENT" from the spreadsheet



  9. #9
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    Default Re: robo2 claim against rbs

    Hi,

    Yes and yes.

    Any advice I give is honest and in good faith.
    If in doubt, you should seek the opinion of a Qualified Professional.

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  10. #10
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    Default Re: robo2 claim against rbs

    1. just wanted to check if this is the correct address to send my prelim letter too

    royal Bank of Scotlandicon
    customer relations unit
    the forthstone
    56 south gyle crescent
    edinburgh
    eh12 9le

    2. would it be better to send recorded to ensure they recieve it?

    3. i am planning to claim on hardship grouds - i take it a short paragraph detailing large overdrafticon caused by charges , 2 credits cards maxed out , currently unemployed should cover all the bases

    4. i take it once again you have to remove the bit about overdraft interest from the prelim letter?

    "I calculate that you have taken £XXXXX plus a further £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX . "

    i.e this undelined bit?


  11. #11
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    Default Re: robo2 claim against rbs

    Hi,

    Yes, on four counts.

    Regards.

    Scott,

    Any advice I give is honest and in good faith.
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  12. #12
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    Default Re: robo2 claim against rbs

    Quote Originally Posted by maroondevo52 View Post
    Hi,

    Yes, on four counts.

    Regards.

    Scott,
    one more quick question before i send off my prelim letter - should the bank address on the prelim letter be my local branch or the customer services address which i have given a few posts above


  13. #13
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    Default Re: robo2 claim against rbs

    Hi,

    I sent mine to my local branch, including my court papers, I think they'll all end up in the same place.

    Though that was with HBOSicon so you may be better sending them to the address in the 'stickys'.

    Sorry, forgot we're not in the RBSicon Forum, yes, the address you've mentioned in your post should be ok.

    Regards.

    Scott.

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  14. #14
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    Default Re: robo2 claim against rbs

    ok , can someone point me in the direction of the second letter to send to the bank ( the one after the prelim letter)

    recieved a letter from RBSicon today, as i am claiming under hardship, they have basically sent me a form to fill in detailing my current financial position, what steps do i take here here do i fill in the form and send it back but also fill in the letter before actionicon as well and send them both off seperately


  15. #15
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    Default Re: robo2 claim against rbs

    Hi,

    Yes, that looks like the way to go.

    Here's the 'link'..............

    http://www.consumerforums.com/resour...k-charges.html

    Regards.

    Scott.

    Any advice I give is honest and in good faith.
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  16. #16
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    Default Re: robo2 claim against rbs

    can you send me a link to the scottish letter before actionicon, the only one i can find is the english version,


  17. #17
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    Default Re: robo2 claim against rbs

    Hi,

    Sorry, I posted the 'link' after I replied to you

    Regards.

    Scott.

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  18. #18
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    Default Re: robo2 claim against rbs

    that one mentions county courts, surelt there is a different letter for scotland and they have responded to the letter, not sure what to do


  19. #19
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    Default Re: robo2 claim against rbs

    Hi,

    Just change the county courticon, for Sheriff Court.(although, the link I gave you was the Letter I sent)

    Don't think it makes much odds.

    Regards.

    Scott.

    Any advice I give is honest and in good faith.
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  20. #20
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    Default Re: robo2 claim against rbs

    right having no joy with the hardship route with RBSicon, they have been messing me about for about a month now, can someone post me the link to opening a court case

    is it possible to put a claim in for 6 yearsicon with the court even if i only put five years charges in my two letters to the bank?



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