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Well i'm on my way, just playing the waiting game at the moment! Posted my Prelim letter on 19th Sept '06 as of yet had no reply, so i've now got my lba ready & will post this on 3rd Oct.
This is so much fun!
Luckily i'm a natural hoarder so had/have bank statements going back to 1996, but it wasn't until i was doing my schedule of charges i realised what EDIT %%^%*&%%& they are! eg:-
Unpaid DD £1.99 Charge £30.00
Unpaid DD £1.99 Charge £30.00
Unpaid DD £9.58 Charge £30.00
All on the same day!
I had a loan with them & due to being a single parent on benefit i was paying it back weekly via S/O (in line with benefit going into account) So when i got myself a job & realised that what i was earning was being eaten by charges i got my account back into credit & swapped banks, paying in £60.00 per month to cover loan S/O, within 4 months my account at RBS was £260.00 O/D via charges .
This then obviously sent everything else back, so i ended up with depression & back on benefit.
I've calculated that in 6 yrs they have taken £4,646.42 in charges & the best of it is that out of those 6 yrs i was only employed for a total of 18 months .
Roll on Tuesday 3rd October. Bring it on!!!!!!!!!!!
Don't worry not letting them get me down, quite excited actually even more so when i recieved my bank statement today & they are going to charge me £28.00 + £6.50(interest) for going O/D for about 0.000000000000000000002 seconds!
I think we are running on the same dates except I'm waiting for my statements to update at lba stage, why wait I say.
Barclaycard Student credit card £400 partial refund received, S.A.R - Open & Direct Finance- extortionate, cca to Rockwell debt collection they ran away, now with Bryan Carter, no cca 17/03/08 sent back to Open Pugsley v Littlwoods, have not received the signed credit agreement only quoting reg of 1983
Pugsley v Fashion World JD williams, 17/03 2008 Debt Managers returning file to JD williams as they could not supply the credit agreement Capital one MCOL Settled in full Smile lba settled in full advice is given informally and without liability and without prejudice.
I think for once i'm going to be a good girl:o & wait till Tuesday, i can post letters on route whilst dropping girls off at school.
Can't wait to hear their reason's behind latest charge!!!!!!
You'll get the same....we believe our charges are fair and transparent.....groan groan response. I recommend either RD or getting a certificate of posting which is free when sending any letters. Remember to send the LBA when you get a response or after the 2 weeks have passed. same for when you file your claim and at this point don't forget to add the 8% interest and send a schedule of charges plus interest to the bank also.
Getting all excited now! Got my "Fob off!" letter this morning off Tommy Mclean, Just a shame i posted my lba whilst dropping children at school
Here we go, here we go, here we go!!!!!!!!!!!!!!!
On you go Warah!!! Keep the chin and keep us all posted. You''ll get all the help and support you could need on here!!!!
Gav
14/09/2006 - Data Protection Act letter sent to my bank.............here goes
28/09/2006 - Statements received through the post. Charges appear to be in the region of £2000
04/10/2006 - Prelim letter sent for charges of £2037
Need some advice & i know i will get shouted at for asking but valid excuse believe me.
Sent my lba 3rd October, do i now need to get forms from court or do i do money claim?
Excuse for asking, my youngest daughter has given me her cold, my body has stopped functioning, my brain is full of snot & is thinking of moving out (just managed to drive them to school this morning, I THINK!)
Any help will do, just don't get to technical as words look like pretty shapes at the moment & its just taken me 20 mins to type this!
Bolton Customer Service Centre
PO Box 2027
Parklands
de Havilland Way
Bolton
BL6 4YU
Dear Miss ********
I refer to your concern regarding the charges applied to your account over the past six years. To progress the resolution of your concern i thought i would write to keep you up to date.
Initially, let me thank you for bringing this to my attention, as it is important that we are made aware of any instance where our customers feel that we have fallen below the standards expected of us.
As part of the Customer Enquiries team i will now be dealing with the investigation into your concern until we are able to reach a mutual resolution.
I have read your letter carefully and i am currently investigating the issues which you have raised and await the statements on your account. I will be in contact again by 23 October 2006 to provide you with either a full responce or further update on my investigation.
I will do my best to resolve your concern quickly and to your complete satisfaction. To make you aware of all the options available to you i have enclosed the leaflet entitled 'Unhappy with our service?', which explains how we handle customers' concerns within the Royal Bank of Scotland.
If you would like to contact me in the meantime, please call me on 0845 303 6868 and i will be happy to help.
Hi Warah....know the virus from hell feeling all too well:>( hope you get better soon.
So, you sent your lba out on the 3rd of October? then when the clock rolls around to the 17th of October, regardless of their time wasting letters! file your claim on line (Money claim on line).....it's very simple, even I did it!!! lol
If you need any help with your particulars of claim, just ask.
Virus from hell! Made worse i feel as i'm now a single parent so not allowed to get ill till next Friday!
Wish i knew where all the snot came from? my poor nose is so red i could freelance for Father Christmas at the moment!!!!
Next question is do i phone woman from RBS that wrote above letter & ask which letter shes replying to as in prelim or lba? and let her know that MY deadline is up on 17th October or give her a chance to look at my account? Already had "Fob off!" letter off Mr Mclean from prelim letter!
If you're on benefits and likely to be exempt from court fees then I think you need to file an N1 form in person at your local court, and apply for exemption at the same time.
Again templates are in the library for what to put etc but may take a few days to get your head round so you may want to look as soon as your feeling half alive again hun.
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!!!!!!!!!
Half alive! at the moment i would just settle for being able to walk without legs/whole body aching! oh that & getting to sleep, staying asleep without waking up with snot pouring out of my nose.
Yeah i'm on benefits, so will take a wonder into Sale at some point & sort out court.
Will have a look at templates today, if nothing else the pretty patterns of all the words may lull me to sleep!
If you need a hand with anything just let me know, I'm only round the corner xxx
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!!!!!!!!!
lol no thanks hun, got my hands full with my boy!Who doesn't like to share!!!
I'm a single mum as well so know how how stressful it can be and I work in Withington so if you do need a hand..........
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!!!!!!!!!
Can't believe you don't want my 2! can't even give them away now!
Don't need a hand at the mo, just a new nose will do!
Where abouts in Withington do you work? up that way next week taking my friend to hospital for a check up. If i'm still full of cold they may put me in quarantine HOPEFULLY!
On my way
ready & will post this on 3rd Oct.
.
in charges & the best of it is that out of those 6 yrs i was only employed for a total of 18 months
.
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Got my "Fob off!" letter this morning off Tommy Mclean, Just a shame i posted my 
Originally Posted by warah
