Smithsu01 vs RBoS (in Scotland)

**smithsu01** · 12th October 2006 16:01

I started this process before I knew this website existed and so just wrote a polite but firm letter to my bank requesting that they review what I felt to be excessive charges on my account over a 3 month period (£1200). When they ignored that I sent them a reminder 14 days later (both recorded) which they have now also ignored! Had I not been nearly so frustrated by them I may not have found this website but they ignored me at their peril and now instead of 3 months charges they'll be looking at a whole lot more.
SAR icon

is on my desk ready to go in the post tonight and thanks to all you guys and the great information on this site, I can't wait!!

Similar Threads:

**susanne007** · 13th October 2006 22:29

good luck. i'll keep an eye on your thread if you need to know anything or need any help just shout.

**smithsu01** · 14th October 2006 09:52

Thanks! It's quite a daunting prospect so it's great to know there's so many kind people who can help if I get stuck or panic!!

Suzanne

**susanne007** · 14th October 2006 12:00

just keep reading threads the more you read the more understanding you have and it becomes less daunting. if you follow in the right order and stick to you timetable you'll soon be laughing all the way to the bank.....

**smithsu01** · 19th November 2006 17:38

Well my bank statements arrived on friday and I'm sitting working my way through them just now - hard to tell how much it'll total to but around the £2000 mark already! Hope to have this ready to post tomorrow!

**daver1975** · 20th November 2006 03:23

hey,

good luck!

**smithsu01** · 23rd November 2006 15:41

Well the total now is £3176 excluding interest although it may be higher as although I pay a monthly charge for my Royalties Account I also get hit with £28 a month for going over my arranged overdraft icon

limit - can I include this? I'd appreciate if someone can let me know asap as I have the letter ready to go and would like to get it posted before the weekend.
Thanks

**smithsu01** · 3rd December 2006 16:05

My prelim letter went off on 27th November claiming charges totalling £3868. Short of miracle I'm too late to get the money in time for xmas but maybe a good start to the new year!! As my husband has just been laid off yet again we could really do with it so fingers crossed. I'd like to think it won't get as far as the courts as I'll need to file 6 different small claims but am well prepared to if that's what needs done!

**smithsu01** · 6th December 2006 19:08

6 days and counting........ til deadline for Prelim letter!!

**erinamanda** · 11th December 2006 19:45

Hi
RBOS offered me £1350 on the date deadline for my prelim letter. Of course I've only accepted this as part payment Deadline for lba icon

is up on Friday, so here's hoping they come up with the rest.

Good luck

**smithsu01** · 14th December 2006 15:01

Well my deadline for the Prelim letter was yesterday and I've had no word so lba icon

will be going in the post tomorrow. Watching Bank Robbery on BBC2 on tuesday night helped inspire me a lot - I hope everyone watched it!!

**erinamanda** · 15th December 2006 08:03

My lba

deadline is up today, been up since 6am but don't know if it's just that normal friday feeling or the anxiety over what the posty may bring this morning. I'll probably be soing the court money claim over the weekend

**smithsu01** · 15th December 2006 12:45

I'll be the same when my lba icon

deadline is up! I'm bad enough just now. I can't believe I didn't even get the standard 'no' letter - I keep telling myself maybe it's all running a bit slow due to xmas etc but I'm sticking to my deadlines all the same! Hope you hear something before the weekend! Fingers are crossed for you!!

**erinamanda** · 22nd December 2006 18:09

Hi
Can anyone advise me of the court process in Scotland. i think i need to pursue BOS icon

through court, however they owe me £1200. Should I be taking out a summary cause cliam?

**smithsu01** · 23rd December 2006 13:09

My understanding is that you can use the Summary Clause up to £1500 whereas to go through Small Claims you'd need to split it as £750 is the most you can claim. The fees involved are the same (I think £39) but I believe the only down side to summary clause is that you could be liable for the Bank's court fees IF you lose but then reading through this site, reading articles and watching that episode of the Money Programme highlighted just how unlikely this is. From what I've read on here I think more people are gaining confidence and going with Summary Clause rather than the lengthy process of doing a few Small Claims.
Sorry I don't have many details but I'm not quite at that stage just yet.
Good luck!!

**o0oliambeeo0o** · 25th December 2006 23:00

Hi Erinamanda and sorry to hijack your thread Smithsu01, im also in Scotland and just reading through some Scottish posts to refresh myself. I'm currently going through the summary cause process with ltsb icon

(see my signature icon

for my thread). The fees are the same £39 and the whole process is the almost identical, its just a diferent track of small claims. One thing I would point out is when you recieve the summons back in the post from the sheriff court YOU must get a sheriff officer to serve the summons on the bank (form 1B), the court doesn't do this for you.

Good luck with both of your claims and have a look over my thread to see what my lie ahead should you need to go to court, hope it gives you some encouragement.

Merry christmas btw
o0oLiamBeeo0o

**smithsu01** · 28th December 2006 14:34

No problem, hijack away! Thanks, I'll check out your thread!

**erinamanda** · 28th December 2006 18:27

Hi

Cheers for the info, but I'm now wishing I took RBOS's offer. I'm emigrating to Australia end of Jan and with the timescales for Summay cause claims, it's a nitemare. Spoke with Tommy McLean again to day and felt he was trying to fob me off. He previously told me on 20th December that I would be likelly to recieve a letter offering full amount the following day, now he's saying the the way in whish the bank are dealing with claims is changing from day to day. He suggested I either wait until they respond or take the legal route. To top all this off, I've been charged £152 over xmas

**erinamanda** · 28th December 2006 18:31

Just has a daft thought, but if I am in oz will the bank be responsible for my expenses to travel back for court?

**smithsu01** · 30th December 2006 13:01

Mmmm, fraid I don't know the answer to that one but hopefully someone will!
The deadline for my lba icon

is up in a few days and as yet I've heard nothing at all from RBS icon

! No 'get lost' letter in response to my prelim letter and now no offer at all to my LBA. Wondering if I should e-mail to make sure it's being dealt with as everyone else seems to at least get the standard responses and seems strange to have had nothing at all by this stage!
The letters were sent recorded delivery and have been signed for so I know they've got them!
Any thoughts anyone??

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