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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a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I am waiting for my last 6 years statements from RBS i have written to them twice and eventually phoned them on friday they said that the statements should be with me by next friday. I have a problem with the spreadsheet i have never used one before so can anyone help as i want to send yje 14 day letter off as soon as i can
when you get the statements post again and one of us can give you a few tips on how to use it, you've just got to basically type each charge, date and amount in each line.
Stacy
NatWest - Settled in full 22/05/06
RBS- Prelim sent 9/05/06 £1,147
£500 offer 27/05/06, rejected 30/05/06
LBA sent 25/05/06
MCOL 15/06/06
Defence received 20/07/06
Settled in full 01/09/06 wahey!!!!!!!!!
i have just received all my statemnts for the past 6 years can i claim back refferral charges that i have been charged some months also some months i have double lots of interst included what do i do about htem? help. I also dont know where to go for the spreadsheets.
There's an on-going debate about claiming for interest charged on overdrafts, alot of people think that it is too difficult to do but it's up to you. What you have to bare in mind is that the overdraft has to have been caused by the unfair charges in the first place.
I put a link in my previous post.....yes you can claim back referral charges, infact any charge which isn't their std monthly o/d fee which is for the service.
I put a link in my previous post.....yes you can claim back referral charges, infact any charge which isn't their std monthly o/d fee which is for the service.
Have sorted out the spreadsheets total of charges are £6950 not bad. Anyway sent off the 14day letter i have been on holiday and the RBS phoned me while i was away is this there normal practise if so what should i do when they phone again i just thought that they would write to me?
Personnally if they phoned again, I would tell them to keep everything in writing. That way you always have something to refer to and don't have to rely on your (or their) memory.
Does this amount include interest? If it does, is the amount before interest under £5000? If so carry on, if it's over, I'm not sure, as small claims courts are for under £5000. I have heard of people claiming more but not sure what has happened. If you don't get a reply, come to the chat room, as there is a few people there who may be able to help. I'm quite new to this myself. Good luck
Yes try to keep it under £5k (including interest )
the main claim HAS to be under £5k or you will be allocated a different track. the interest or other fees can take it over £5k but you pay slightly more.
the court charges will be £120 if the amount is under £5k or £250 if the total inc interest is over £5k.
you get the charges back anyway but it can be dificult to find them in the first place
Personally I would go for it in two chunks to keep costs down.
***dont sign anything saying that you won't claim again***
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 !!
sharon
statements from RBS
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Re: sharon
If you think I have helped, informed, or amused you do the clickey scaley thing !! 