Kevinjay27 v Rbs ***another WINNER ***

**kevinjay27** · 7th August 2006 05:15

Hi, Just watch gmtv last week, and have been reading threads, and faqs ever since, anybody have any good advice on taking on RBS icon

in scotland, have statements that i have kept for the last 4 years, charges of £3500 for the 4 years, so maybe around £5000 for the last 6. any advice will be appreciated, as i start out my journey. kevinjay27

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**Sophie-Jane** · 7th August 2006 06:58

Hi Kevin

Please check the following link out below

Step-By-Step Instructions

You will have as good chance as all the members on here, who were like you.

Just follow the deadlines and guidelines, follow threads and see how others have tackled different things.

No to make things seem harder, The SMALL claims court - FIXED FEE - You do not pay RBOS fees

Sm Claims limit is £5000, So whet I would do is Split the case

But we will inform you opnce you have your Full details on how much they have unlawfully taken

**HadEnough** · 7th August 2006 07:31

It's a much smaller limit for small claims in scotland so you'll have to get more advice of one of the mods in scotland, sorry i don't know who but one will be along before long though I'm sure

**Sophie-Jane** · 7th August 2006 07:54

Sorry Kevin

Missed the Scotland part, Thats where my heart is - Scotland lovely Country

But lets not go there

Check out the following link

Are you in Scotland and want to claim £750 - £1500?

It will assist you

**kevinjay27** · 11th August 2006 04:38

Is there anyone who has had a full settlement from RBOS, there does'nt seem to be anyone who has. if so can they tell me, how it went, and what the timescale was from start to finish.

cheers Kevin

**MARTIN3030** · 11th August 2006 07:41

Of course there are full settlements.

They are dragging on a little...and in fact there are many in the court systems now.
Some are speculating that they are demanding confidentiality agreements the same as Barclays icon

,however it is not compulsary to sign one.

The Halifax and HSBC icon

etc are very prominent simply because there are a lot more of them.

I suspect we will see more written about HBOS icon

cases,as they start to get settled quicker.

**kevinjay27** · 15th August 2006 16:26

Hi, just a suggestion here, if the bank is asking for confidentiality, and no disclosure, why has'nt anyone taken this a step further, and ask more more money on top of their full settlement, they were quick enough to take our money, why can't we apply the same rules.

Kevinjay

**MARTIN3030** · 15th August 2006 16:31

Originally Posted by kevinjay27

Hi, just a suggestion here, if the bank is asking for confidentiality, and no disclosure, why has'nt anyone taken this a step further, and ask more more money on top of their full settlement, they were quick enough to take our money, why can't we apply the same rules.

Kevinjay

Errrrrrrrr

I think this is actually the case already.
But of course once they do that then they cant talk about the case ...........or the extra money for signing !!

No one should sign the confidentiality agreement unless there is some obvious benefit of doing so .....otherwise whats the point ??

**kevinjay27** · 17th August 2006 20:34

Hi everyone,

Just to make sure i'm getting this right, i'm still waiting for a list of charges levied on my account, but have some statements, dating back 4 yrs.

I know i can claim for u/p direct debit icon

and card misuse/position of sale, but what can i claim in regards to my overdraft icon

, i have charges of maybe £20, for being over my limit, then interest charges on my overdraft of maybe £5.09.

Also doing some re-search on the charges schedule template, i understand the 8% on the charges, from the date you were charged, but do you include this in the pre-lim letter, then it's only the judicial 8% interest you include when you are actually filing your claim, from the first date of starting proceedings with the bank, ie, the date you sent your prelim letter. is this correct or am I getting it totally wrong.

Any help would be appreciated, i'm not being lazy have done a lot of re-search, just making sure i'm spot on.

kevinjay27

**MARTIN3030** · 17th August 2006 20:50

Originally Posted by kevinjay27

Hi everyone,

Just to make sure i'm getting this right, i'm still waiting for a list of charges levied on my account, but have some statements, dating back 4 yrs.

I know i can claim for u/p direct debit icon

and card misuse/position of sale, but what can i claim in regards to my overdraft icon

, i have charges of maybe £20, for being over my limit, then interest charges on my overdraft of maybe £5.09.

Also doing some re-search on the charges schedule template, i understand the 8% on the charges, from the date you were charged, but do you include this in the pre-lim letter, then it's only the judicial 8% interest you include when you are actually filing your claim, from the first date of starting proceedings with the bank, ie, the date you sent your prelim letter. is this correct or am I getting it totally wrong.

Any help would be appreciated, i'm not being lazy have done a lot of re-search, just making sure i'm spot on.

kevinjay27

Overlimit charges are penalties.
Do not quote 8% interest in a prelim letter,this can only be applied from the court stage although you can say that you will apply for it later.
A charge schedule should be sent with prelim and lba icon

.

The 8% interest is claimable from the first unlawful charge (within the 6 years icon

)

**kevinjay27** · 17th August 2006 21:01

hi Martin,

So i can't claim for anything to do with my overdraft icon

then.

**kevinjay27** · 17th August 2006 21:03

so what is the difference between the 8% interest icon

on your charges and the judicial interest.

**kevinjay27** · 21st August 2006 18:13

can anyone please tell me what you can claim back. is it just charges for unpaid direct debits, and card mis-use.

Or can you claim back charges for being over your overdraft icon

, as this was mostly caused by them, taking off these charges of £30 at a time for unpaid direct debits.

**MARTIN3030** · 21st August 2006 18:53

Charges for unpaid cheques/unauthorised overdrafts/fees for cancelling cheques/charges for unpaid standing orders/dds/etc etc

**kevinjay27** · 22nd August 2006 06:56

Thanks Martin,

Just wanted to make sure, i did'nt make a mistake, as i had an authorised overdraft icon

, and was constantly being charged £20 a month in charges, due to being over the limit, i thought i could claim for this, as the main reason i was over, was due to their excessive charges, for unpaid direct debits, as if this was not the case, i would not have constantly been over my limit on my overdraft. would they not refund these charges of £20, if i could prove it was there unenforceable charges that put me in this position.

**kevinjay27** · 28th August 2006 03:09

please look at my last thread, does anyone have a take on this.

**missm** · 29th August 2006 15:14

yes you can claim for it
the only thing you CANT claim for is things like service fees for royalites accounts, member fees ect.

**kevinjay27** · 6th September 2006 12:23

thank you missm

**kevinjay27** · 6th September 2006 12:54

Hi before i send my spreadsheet, with my pre-lim, do i have to delete the calculated interest icon

, and the total with interest, or can i just leave it on it, i have already stated on my pre-lim the amount i am looking for without the interest, just want to make sure, no mistakes

**stacymason** · 7th September 2006 13:37

leave it on Kevin for when it gets to court claim stage

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