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.
This is proving a very helpful site for me. I didn’t have a clue I could claim my charges back so I’m very grateful for all who have helped (helping) me sort these buggars out!
I asked for my statements at the bank on Fri. 16th June, I paid cash (5.00) and they said it will take up to 10 days. Meanwhile I noticed the cheeky buggars had charged my account 5.00 too. My account is already overdrawn so I would get the 38.00 charge for unauthorised O/D too. But I put that right when I phoned them and yelled profusely.
So I now have my statements and totted up a total of 1300 quid in charges and interest but I have 2 accounts with the same bank so I’m just waiting on the other statements to arrive then I’ll send the request for payment letter. I’m thinking the total will be around 2000 maybe a bit more.
I am currently going through the default stages (well have been since January and been charged 4 default fees at 30 quid a time) so I will also be asking to take the default off too.
Has anybody else had their default removed? I have looked through the FAQ's but not seen anything yet
OK, i got my statements for the last 6 years (i am claiming on 2 accounts). I have filled in the spreadsheet and have a total of 2319.95. I have just printed off my prelim letter and going to post it tomorow.
I have come to realise that this process is not as straight forward as it seems. I have spent hours reading the FAQ's and think i know what i have to do, however i'm bound to run into some problems somewhere along the line but it seems there are many helpfull folk out there, so thankyou to you all
I have sent my letter to this address:
RBOS senior Customer Relations Manager at Edinburgh
Freepost PO box 1727 Edinb EH12 9JN
BTW i have a total debt of about 6K with this bank so this money should knock about 15 years off my repayment (ha I'm only paying 30 quid a month back)
I just went into my local branch and ordered them for 5 quid, the first lot (i'm claimin on 2 accounts) came in 5 days, but the second took about 2 weeks and they charged me twice! if you dont recieve them in 5 days ring and nag em.
well its been 14 days and i haven't heard a peep from anybody. so on monday i will send my lba letter. not sure what to do if they say they didnt recieve the first one. was i supposed send it recorded post or what? i expected to have a fob off letter but i ain't got owt.
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Royal Bank of Scotland
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Total 2319.95
*Prelim letter sent 5th august
*LBA letter sent 21st august
*Go away letter recieved 22nd august (bit late!!)
*Claim filed with county court on 15th september
*Court acknowledgement on 2nd october
*Defendant acknowledgement with intent to file defence on 3rd october
*Defence letter recieved 28/10/06
*goodwill gesture of 1200 recieved 3/11/06
*AQ posted 21/11/06 deadline 24/11/06
I got my go away letter a few days later, but i'd already posted my 2nd letter on the 21.8.06. not really sure what to do if they dont reply again though....
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Royal Bank of Scotland
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Total 2319.95
*Prelim letter sent 5th august
*LBA letter sent 21st august
*Go away letter recieved 22nd august (bit late!!)
*Claim filed with county court on 15th september
*Court acknowledgement on 2nd october
*Defendant acknowledgement with intent to file defence on 3rd october
*Defence letter recieved 28/10/06
*goodwill gesture of 1200 recieved 3/11/06
*AQ posted 21/11/06 deadline 24/11/06
Kay Stanbridge, Solicitor
Group Litigation, RBS
1 Princes Street
london
EC2R 8PB
but moneyclaim says the postcode is not valid.
i cant find the right 1 anyone help please??
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Royal Bank of Scotland
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Total 2319.95
*Prelim letter sent 5th august
*LBA letter sent 21st august
*Go away letter recieved 22nd august (bit late!!)
*Claim filed with county court on 15th september
*Court acknowledgement on 2nd october
*Defendant acknowledgement with intent to file defence on 3rd october
*Defence letter recieved 28/10/06
*goodwill gesture of 1200 recieved 3/11/06
*AQ posted 21/11/06 deadline 24/11/06
Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.
Abbey: SETTLED IN FULL BoS M/card SETTLED 27/09 Aqua CC (Halifax) SETTLED 28/06 GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9 First National Mortgage Data Protection Act sent 14/6 Statements 26/7 Cap 1 - SETTLED IN FULL Abbey x 2: 50% offer refused AQ filed
what are particulars of claim???
arg me heads battered!!
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Royal Bank of Scotland
~~~~~~~~~~~~~~~~~~
Total 2319.95
*Prelim letter sent 5th august
*LBA letter sent 21st august
*Go away letter recieved 22nd august (bit late!!)
*Claim filed with county court on 15th september
*Court acknowledgement on 2nd october
*Defendant acknowledgement with intent to file defence on 3rd october
*Defence letter recieved 28/10/06
*goodwill gesture of 1200 recieved 3/11/06
*AQ posted 21/11/06 deadline 24/11/06
anyone help? what should i put for the particulars of claim?
i'm really stuck. i searched the site but cant find anything suitable. i dont know what to include for the particulars of claim, and i dont want to seem dumb.
i found a template but its too long.
please, please anyone help
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Royal Bank of Scotland
~~~~~~~~~~~~~~~~~~
Total 2319.95
*Prelim letter sent 5th august
*LBA letter sent 21st august
*Go away letter recieved 22nd august (bit late!!)
*Claim filed with county court on 15th september
*Court acknowledgement on 2nd october
*Defendant acknowledgement with intent to file defence on 3rd october
*Defence letter recieved 28/10/06
*goodwill gesture of 1200 recieved 3/11/06
*AQ posted 21/11/06 deadline 24/11/06
Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.
Abbey: SETTLED IN FULL BoS M/card SETTLED 27/09 Aqua CC (Halifax) SETTLED 28/06 GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9 First National Mortgage Data Protection Act sent 14/6 Statements 26/7 Cap 1 - SETTLED IN FULL Abbey x 2: 50% offer refused AQ filed
Re: anyone help? what should i put for the particulars of claim?
Louise - If you are at all unsure I would advise you use the N1 submit your claim to the court. It enables you to inclue more particulars, inslude the letters and schedules of charges which you have sent to the bank.... have a look at the template particulars nnelson has given you above. There is also a example here
which will help.... there is a downloadable version of the N1 form on this site too.
You can post it to the court with payment (3 copies of everything) or you can take it in....you'll find this is a good thing today as it will help make the whole process seem less daunting.
I hope that helps. please don't rush into your claim, double check it is right first, as Abbey will jump on anything.
Is the address that you used the registered address of the royal Bank of Scotland. Im not sure if you are supposed to put a named person on the claim for companies ie in the name box just put Royal Bank of Scotland. I guess this is incase the person you put in goes on leave or quits the company.
My advice is only my opinion, I am not a legal expert.
IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.
I used the address of the branch my account is held at.
Royal Bank of Scotland
24/05/06 - Requested 6 years of Statements - Received 09/06/06
12/06/06 - Initial letter sent requesting refund - Response received 21/06/06 - 'Sod Off.....'
27/06/06 - LBA Sent - 31/07/06 - Response received 31/07/06 - 'Sod Off....'
01/09/06 - Claim Submitted - 04/09/06 - Claim Issued to RBS.
hi everyone
im ready to file my claim but if i do it online i cant get the exemption (im on tax credits) i have forms from my local court i just want to check if i do it the same way. and also where i post the claim to (bank) as all the addresses i have seen are in scotland
please help
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Royal Bank of Scotland
~~~~~~~~~~~~~~~~~~
Total 2319.95
*Prelim letter sent 5th august
*LBA letter sent 21st august
*Go away letter recieved 22nd august (bit late!!)
*Claim filed with county court on 15th september
*Court acknowledgement on 2nd october
*Defendant acknowledgement with intent to file defence on 3rd october
*Defence letter recieved 28/10/06
*goodwill gesture of 1200 recieved 3/11/06
*AQ posted 21/11/06 deadline 24/11/06
i need to file my claim but the intrest area on my spreadsheet just says "VALUE" where the amount should be. is there something wrong with the formulae on the sheet? has anyone else had this problem?
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Royal Bank of Scotland
~~~~~~~~~~~~~~~~~~
Total 2319.95
*Prelim letter sent 5th august
*LBA letter sent 21st august
*Go away letter recieved 22nd august (bit late!!)
*Claim filed with county court on 15th september
*Court acknowledgement on 2nd october
*Defendant acknowledgement with intent to file defence on 3rd october
*Defence letter recieved 28/10/06
*goodwill gesture of 1200 recieved 3/11/06
*AQ posted 21/11/06 deadline 24/11/06
the formula for the total should be, =sum(C10:C118) if your using the simple excel one, like i did, you can type it in yourself, click on value and enter the formula in the bar at the top.
good luck
I'm at the same stage as you, maybe we could do this together.
Im Still Doing It The Dates Are Set Up Wrong I'll Let You Know If I Get Anywhere
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Royal Bank of Scotland
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Total 2319.95
*Prelim letter sent 5th august
*LBA letter sent 21st august
*Go away letter recieved 22nd august (bit late!!)
*Claim filed with county court on 15th september
*Court acknowledgement on 2nd october
*Defendant acknowledgement with intent to file defence on 3rd october
*Defence letter recieved 28/10/06
*goodwill gesture of 1200 recieved 3/11/06
*AQ posted 21/11/06 deadline 24/11/06
ooh the cheek!
My account is already overdrawn so I would get the 38.00 charge for unauthorised O/D too. But I put that right when I phoned them and yelled profusely.
but I have 2 accounts with the same bank so I’m just waiting on the other statements to arrive then I’ll send the request for payment letter. I’m thinking the total will be around 2000 maybe a bit more.
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Louise vs RBS
Re: Louise vs RBS
spreadsheet problem - help
