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I previously posted a few messages under 'Here I go'. To recap, I have sent off my DPA request to the bank. the bank have coincidentally handed the account to Intrum Justicia.
I have attempted to open another current account over the last few months, with the Abbey (with whom I have had a savings account for over 20 years) and with the Nationwide. Both declined me. Does anyone have any any suggestions as to any bank who would at least offer some sort of basic account?
I am having to operate on the savings account using Counter Cheques, and this involves a 25 mile round trip each time I need to do it.
Early days yet, obviously, so I have not had a reply to my DPA letter yet. I think that the RBS has issued a default notice against me over my account as well, but that can be dealt with in due course.
Someone from Intrum Justicia rang me at work today, so I told him that I was looking into the charges that had been levied on my account. he asked me to put something in writing. I sent them this...
Dear Sirs
Following the telephone conversation with one of your representatives today, please note the following:
I am currently assessing whether there are recoverable charges on my account with the abovementioned bank. Should this prove to be the case, they will be given the opportunity to refund me accordingly.
This being the case, I will not be entertaining any further communication with your company, and I suggest that you refer the matter back to the Royal Bank of Scotland.
I think that this does the job with them. Any comments or adivice, as usual, appreciated
Staggeringly, the bank statements arrived in the post today, only 8 days after I posted the DPA letter. However, pages 1-13 are missing, although at present they are not pertinent, dating from 1999 or before. Busy with the highlighter tomorrow....
A couple of questions for anyone else tackling RBoS. Maintenance charges on Royalties accounts, do you think that they can be counted in? In sure that Referral charges certainly apply. What is your view?
royalties gold account service charge
was £9 then £10 now £12
YOU CAN'T CLAIM THESE
the account overlimit charge is sometimes mixed in with these
was £15 then £20 now £28
so if the account charge in the early days was £24
this will be £9+£15
or account charge £30....£10 + £20
or account charge £40....£12 + £28
Only claim the "excess" (15,20,28 )
you can also claim (obviously) referal charges £30 and dd refusals £38
these are the latest charges, other older ones will be noted on your statements.
rgds
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 !!
Thanks Davefirewalker, this was what I thought based on a previous posting of yours on another thread. My prelim letter to them has reflected these charges, although if it actually gets as far as court action (probably!) I will also have to calculate the excess interest that all of their charges incurred on the account.
I seem to be having two separate correspondences with RBoS now. This claim, and rather belatedly Credit Management Services who seem to have taken an interest in actually corresponding with me, but this is certainly coincidental.
They have also set Intrum Justicia on to me, and they in turn have let Geoffrey Parker Bourne solicitors loose.
if the account is in dispute... as it is,.... tell them to go away until the court action has finalised.
then you can work out a strategy
good luck
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 !!
Thanks once again. I will write to the solicitors in question telling them that. My Prelim letter has been referred to Credit Management services as well, who have then passed it on to Customer Relations.
Does anyone on the board have copies of RBoS charges from 2000 to the present? Davefirewalker kindly provided some info on these, with which I concur, but I will give you my service charge advice from Dec.2004 as a case in point.
Maintenance charge £28.00 (probably £18.00 claimable)
Plus a fee of £15.00 (what's this?)
Service charge to be applied £43.00
The of course the is the overdraft interest on top of this, and by then it could be argued that my overdraft was entirely comprised of previously levied unlawful charges....
If this has been dealt with in another thread could you kindly direct me to it. I have reached the point where a lba is due, and I want this to be as accurate as possible now. thanks for reading this.
Sent lba on 29/08 by recorded delivery. Reply to prelim. letter had indicated that I would receive a reply within 10 days, but I'm trying to stick to my schedule now, not theirs.
Intrum Justicia's solicitors seem to have beaten a retreat now, their reply suggesting that at present they 'are not being instructed'...
Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived
LBA sent 29/8/06 £2646.64 claimed - no reply
Claim entered 26/09/06 £2716 + interest. Not acknowledged so Judgment requested 17/10/06
Judgment in default 28/10/06
Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...
GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06
LBAs on 2 accounts sent 5/11/2006
2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...
It looks as though my lba got held up due to the unofficial postal strike in this area. I guess that I will have tp play fair, and start the clock ticking from when the recorded delivery actually gets to them.
Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived
LBA sent 29/8/06 £2646.64 claimed - no reply
Claim entered 26/09/06 £2716 + interest. Not acknowledged so Judgment requested 17/10/06
Judgment in default 28/10/06
Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...
GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06
LBAs on 2 accounts sent 5/11/2006
2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...
with regard to post 12 the £15 looks like an "overlimit" charge, difficult to be sure without seeing the statements, I'd claim it anyway.
Ive just had an offer from tommy straight in at £3.5k from a claim of £5k +£1.2k interest I have of course refused this. It looks like they are now caving in all over the place
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 !!
Thanks again Dave. I wish I had held on to the leaflets detailing charges that they used to inundate me with, but this mob have literally reduced me to tears over the years and I threw away lots of stuff before I came across this site. I got to the stage where I could not open envelopes from the RBoS, how sad is that?
I presume that I will still have a couple of weeks before the inevitable claim has to go in. If I cannot absolutely nail these few debatable charges I will leave them out, with a view to claiming again at a later date. Like a few others on here I also have charges that are more than six years old, and I will certainly consider going after those as well.
Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived
LBA sent 29/8/06 £2646.64 claimed - no reply
Claim entered 26/09/06 £2716 + interest. Not acknowledged so Judgment requested 17/10/06
Judgment in default 28/10/06
Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...
GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06
LBAs on 2 accounts sent 5/11/2006
2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...
Ive been at the hiding from envelopes stage too ( a few times ), but this site has given me the confidence to take almost anything on. I cant wait for the mail to come now......
I wonder how long it will be before I get my full payout ? my missus has spent it already
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 !!
Am now the proud recipient of a Tommy McLean 'on yer bike' letter, this presumably in response to my prelim. They took so long in answering that - not helped by the postal strike in the West Country - that I have already sent off my lba.
Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived
LBA sent 29/8/06 £2646.64 claimed - no reply
Claim entered 26/09/06 £2716 + interest. Not acknowledged so Judgment requested 17/10/06
Judgment in default 28/10/06
Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...
GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06
LBAs on 2 accounts sent 5/11/2006
2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...
Further complication now - as of 8th September the bloody Post Office had still not delivered my lba, sent 1st class recorded delivery. Queried this on the phone and was airily dismissed with 'ring back next week, we allow up to 15 days for delivery'. It would have been quicker to have got sponsorship and walked up there to deliver it personally. Will probably send off a copy of the LBAwith a covering letter on Monday, unless anyone suggests otherwise
Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived
LBA sent 29/8/06 £2646.64 claimed - no reply
Claim entered 26/09/06 £2716 + interest. Not acknowledged so Judgment requested 17/10/06
Judgment in default 28/10/06
Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...
GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06
LBAs on 2 accounts sent 5/11/2006
2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...
I would suggest you don't use Recorded Delivery for these kind of letters in future - there really is no need to use it - an ordinary First Class stamp will suffice. And sometimes it causes problems such as this - your letter probably has been delivered but they just can't confirm it which often happens when they are sent to large organisations like this.
Incidentally, I doubt very much that they said they allow 15 days for delivery - what they probably said was that the letter wouldn't be classed as a 'lost' item until after 15 working days have passed. Big difference.
Anyway, in summary - don't use Recorded Delivery!
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
Seawall vs RBOS
(with whom I have had a savings account for over 20 years) and with the Nationwide
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If you think I have helped, informed, or amused you do the clickey scaley thing !! 
I have of course refused this. It looks like they are now caving in all over the place
