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.
Today is the day I send my request for charges letter. I received all my statements for both accounts I have with RBS; one Royalties Account and one Current Account (IPCA). Both accounts total £4,397.91 as of today going back 6 years excluding the 8% interest at this stage.
If I am correct in my interpretation of the guidence on the site it shouldn't matter if my gross of 8% interest court claim is above the £5,000, apart from an increase in Court charges to £250, i.e., as long as the 'track' is below the £5,000.
Just before I was about to send my nice chaser letter, I receive my reply from the RBS, in a nut shell telling me to take a hike!
"We believe our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied stictly in accordance with you agreement with us and our published tarrif, which we are satisfied complies with all applicable laws and regulations."
"We have considered and responded to the OFT's statement of 5th April 2006. We do not accept the OFT's findings in relation to credit card fees. We are concerned that the OFT has publicly called into question the setting of charges applied to other products, including current accounts. The OFT has restriced its investigations to credit cards and made no attempt to consult with RBS or the industry in relation to other, entirely different products"
Consequently, against that backgroud, we must differ with the views expressed in your letter and will not be refunding any of the charges applied to your bank account."
RBS is in Scotland, how does this affect English Law?
Hiya all!I am putting together today the next letter 'pay me in full within the next 14 days otherwise I am taking you to court'. The final chance. Now, I am assuming that at this early stage they with either offer me a good will payment (that I will reject), or a letter sticking to their guns, which I expect. Thus off to court..Quick question though, If I do make an on-line claim I have to enter an address that is in England or Wales, however my correspondence has been with RBS in Edinburgh. How do I get around this?Help greatly appreciated.M
All sounds pretty standard so far hun, just hang in there and we all know that you will get your charges refunded in full before they show up to defend a claim in court!!
Stacy xx
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!!!!!!!!!
Sent off my firm but fair rejection letter on the 9th Oct. I was feeling nice so I gave RBS a further 14 days to consider their position, diarised to start Court proceedings on that date. Lets see what happens.....
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!!!!!!!!!
Mark Vs RBS
; one Royalties Account and one Current Account (IPCA). Both accounts total £4,397.91 as of today going back 6 years
Reply With Quote
Re: Mark Vs RBS
Re: Mark Vs RBS
RBS is in Scotland, how does this affect English Law?
Re: Mark Vs RBS
