Thread: help Re: MCOL

Welcome Rbos,

Take a look at the Royal Bank of Scotland forum and start your own thread. Members will soon put you on the right track to getting back what was taken.

Just wondering if you can help me. I have sent my lba today I have split my cliam which was £5,990 into two seperate amounts saying that from Nov 2001-2004 my charges were etc...and the second letter for the dates 2004 - 2006. this was to keep the amounts within the small claims court. should I have sent the letters on different dates? I am hoping the bank will treat them as 2 seperate claims although it is the one account. have I made a cock-up? would be really grateful for some advice on this matter:-|

Post moved - please stick to your own thread and do not duplicate questions!

Originally Posted by s0127786

Just file one court action at a time, once you have the first one resolved then do the second one. The lba's dont really matter, its just important you've sent them.... it doesnt matter when the action takes place, it could be that you state 14 days but dont pursue it for 6 weeks - completely up to you.

Once again thanks for your help.

I am about to send my lba for my 2nd claim and will point out that they can settle now for the full amount outstanding, or I will pursue a further 2 claims incurring a further x amount in court costs and interest.
"Who gives you extra?..."

did they settle your 1st claim following your first lba? and did they respond within 14 days? What I don't understand is that different people are being responded to in different ways by the same bank.The same bank doesn't seem to be singing from the same hymn sheet. Glad you have had some of your cash back though, it's certainly a positive step. Good luck and thanks for taking the trouble to reply to my thread.

Originally Posted by angelface69007

did they settle your 1st claim following your first lba? and did they respond within 14 days? What I don't understand is that different people are being responded to in different ways by the same bank.The same bank doesn't seem to be singing from the same hymn sheet. Glad you have had some of your cash back though, it's certainly a positive step. Good luck and thanks for taking the trouble to reply to my thread.

No I had to raise a claim in the sherriff court to get the refund. I had previosly had a telephone offer of 6 months worth of charges to which I said no. I've received nothing to sign to say it was Full and final settlement, so heres to the next £750 !

Well on July 1st I confidently thrust 2 lba's into the hand of my bank manager and smiled sweetly before demanding a reciept for them. I've been rushing home from work everyday hoping for my response. Today I got it. I thought I would get some sort of offer but oh no!

It's from Tommy McLean and it' says blah, blah, blah.....sorry we have failed to reach an agreement with you....( what Agreement???)...I regret blah blah that there is little I can add constructively to previous comments but having reviewed your account, I can find no instance where charges have been applied when they were not properly due. They have all be associated with a lack of covering funds in the account at the time these items were presented for payment. Accordingly, the charges that have been applied to your account should stand. Therefore this is the bank's final response to you on this matter!!!!! You may wish to seek the opinion of the Financial Ombudsman and the leaflet enclosed tells you more about the scheme and how to contact them.....blah, blah, blah!!!!

I am pretty certain that I have read the exact response on somebody's thread, so I'm guessing that this is again probably a standard letter.

I feel really deflated now, could somebody please give me some thoughts on this letter. Last week I was in fighting mode but now I'm no soooo sure. They owe me over £6,000 if you include interest ( i'm claiming in 2 amounts). Please make me smile again........Thanks all

Thanks Michael.....Yep Moneyclaim will be done on Tuesday. I just don't understand why others get some offer of a goodwill gesture and why I don't get a bean. It's the same bank and yet they are not singing from the same hymnsheet. Well nodody messes with me so watch out Tommy McLean.......... I'm pretty annoyed now.....and I'm on my way to get you!!!!!!!!!!!

I guess more and mor epeople are turning down small goodwill gestures so they perhaps feel it is not necessary in cases where a substantial amount in 4 figures is being claimed!

Hi All, wonder if somebody can give me some advice. I have sent a prelim to the RBOS and was fobbed off and then sent my lba'S and once again fobbed off. I didn't send a schedule of charges, I have almost £6,000 of bounced d/d etc over overdraft charges, card missue charges. I did however make a general reference to what the charges I am claiming are for. I am due to issue my MCOL on Tuesday. What should I do and will me not sending this schedule of charges make a huge difference. I understand that I will have to have this should I proceed to court. should I forward this to my bank even though they have fobbed me off following my LBA's? Any advice please?