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.
Hi
I am a newbie to this site and find it fantastic, there is light at the end of the tunnel!!!
I have requested my bank statements which I went through with a fine tooth comb and a highlighter today and one of my accounts has had £1033 worth of charges between 2002 and now!!! I am still waiting on bank statements for my joint account!
I have been reading quite a lot of threads and it seems that very few people from Edinburgh, or who write to Edinburgh for their money back don't seem to get it? Has anyone received settlement in full from an Edinburgh based RBOS??
Also the terminology seems to throw me, I hope I get guidance from all you experts as to the legal side of it if the bank does not respond to my first few letters, the first is ready to go, I just need to add on the other bank accounts charges.
Another question, is it reasonable to ask for overdraft charges back even although I had signed an extended overdraft application form informing me there would be a charge for this??
Thanks for everybody's threads it makes extremely interesting reading!!!!!
I live in Edinburgh and sued through Edinburgh Sheriff Court.
I'm with the BOS. They settled but waited until the day before my court return date. Just to get my goat up! Starting another claim shortly.
Best wishes, hope it all goes well.
I have just filed 2 claims in the sheriffs court in Aberdeen, 1 for Barclaycard and 1 for Marbles. Return date is 16th November so will just have to wait and see what happens. However, i am also claiming from RBS visa, mastercard, my account and a joint account and have sent lba's to all 4 but so far no response (14 given was 2 days ago) so will be filing in court again for all 4.
It looks really complicated but it was actually quite easy. I am hoping to file 4 claims tomorrow in sheriff court in Aberdeen, RBS Visa, Mastercard, My account and my joint account about 4000.00 in total.
Got my statements for all 4 RBS, then sent a preliminary letter off to each(template taken from here) . Got a reply basically saying 'sod off'. Sent off lba's for all 4 (template taken from here again). Got no reply (14 days were up on Mon). Have given them a few extra days, but now am ready to go to court. Will put the RBS visa and mastercard on one claim and my account and my joint as 2 separate claims as they are over 750.00. Best advice i can give is to read all the FAQ's and potter through the RBS threads before you do anything. The more info you have under your belt the better. I found it a little confusing at first but it def gets eaiser the more you do it. And dont be afraid to ask questions even if you think they are daft lol. Anything you need to know just ask, i will try and help, although i'm quite new to this myself. Only started at begining of Sept. But it does work. Have had offers from Barclaycard and Goldfish, although i have not accepted Barclaycard as they will only give me half of what i'm cliaming for, so have filed in court against them and am in negociations with Goldfish at the mo. Good luck.
Pauline
Thanks Unicorn 96!
I am trailing my way through lots of threads and FAQ's and it is great the support I am getting from this website.
I got the rest of my statements through this morning and am ready to send my prelim!
Not sure which RBOS office to send it to, I live in Edinburgh and there are about 4, someone suggested posting it to London.
Alison
hopefully waiting on a full settlement, coming through the post, and my lba, is only 7 days in, already been offered more than half, of what i'm claiming for.
Have a look at a thread by andrew1, you can search for it. there is a couple of interesting letters on there, and keep me posted of your progress, maybe i can help you through this without the need for court.
Hi Alison, kevin again, don't send any letters, till you have, received something back from RBS, you can maybe follow the route i took, just keep me in the loop with whats happening.
ps. I sent my letters, to my local branch, all recorded delivery, kept the receipts, and could trace, when they received them, then i got the fob off letter, from a tommy mclean, thats when i sent a couple of e-mails to him, and i'll send them to you, when the time comes.
Thats brilliant Kevin, thanks for all your help, it definately keeps me positive, I can't believe my charges have mounted to £3343!!! How can they take that much money from people, it is horrendous!!!
I take it you mean no more letters after the prelim letters?
Will search for your thread, and thanks again, everyone on this site has been so helpful!
Alison
Have received my infamous 'beat it' letter from Tommy McLean!!
Do I wait until the 14 days are up before sending lba or just send it now? Or should I email him first?
Alison
RBS
13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL
Cheltenham & Gloucester (ERC's)
21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!
if you personal message me with your e-mail address, i can send you the e-mail i sent to Tommy, you can e-mail him, and send your lba away, as they have replied to you.
if you need anymore help, just get in touch, just p.m. me
Fingers crossed the same applies to me! Have mixed views, my sister thinks I must be mad to even consider getting anything back! Watch this space was my answer, hmph!!!! lba away, thanks for the email address and letters.
They must know when we start mentioning all the legal jargon and Cobbetts that we know what we are talking about, have done our homework and are not going to be told to sod off!!!!!
Here we go............here we go............
RBS
13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL
Cheltenham & Gloucester (ERC's)
21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!
Has anyone in Edinburgh received settlement?
charges back even although I had signed an extended overdraft application form informing me there would be a charge for this??
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Re: Has anyone in Edinburgh received settlement?
