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.
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I got my statements but they have been shredded by my over zealous father who did not think it was a good idea to keep them. I have already sent the last letter requesting a refund from rbos and had the second reply from tommy mclean saying "we believe our charges are fair and transparent" and the next stage is court proceedings. what i want to know is because i haven't got the amount i'm due anywhere anymore (it was around the 1k mark) will i need to start again? or will i need to get the statements again? or can i just claim for an amount slightly lower and see how it goes? i don't want to ruin this as i'm really tight for cash and this woul get me out of such a whole.
If i go into my branch they won't give me a note of the charges only will they?
Did you not enter them on the spreadsheet to find out what you were owed ...if not then you will have to start again because you will have to send a list of charges with your claim to the bankand also to the court if it goes that far
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I was dreading that. means going through it all again . is there any other way of getting a list of charges? it took a month last time and im already at the court stage this time round
Yes but that got shredded as well. my dad thought it was old stuff cos i put it all in a shoebox. he doesnt like any financial details being left in the house. i really don;t know what to do. ive come so far and don't want to start again
just to clarify. there are no copy's. the letters were hand written as i felt this would work better. i've really buggered this up by the sounds of it. so close and yet so far
In any event you will need the dates/amounts for the spreadsheet.
Does not look like any way round it.Only thing I can suggest is that you try and get copy statements again,but in the meantime make the bank aware that you will still be proceeding.
I dont think you need to say any more than this.
You could add that you now reserve the right to file without further notice given that they have not refunded your charges.
I would think this would pave the way for court as soon as you could prepare the new spreadsheet.
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May have made a mistake (rbos)
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Re: May have made a mistake (rbos)
don't be like the banks - give a little back 
There was a time before CAG but now CAG is here we are the empowered! 
. is there any other way of getting a list of charges? it took a month last time and im already at the court stage this time round
