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    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
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Big_Lad vs. RBS


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Recommended Posts

Hi there,

 

Been recommended here by a friend who successfully claimed back charges against his account. I have read through all the FAQ's about the processes and where i stand should things get hairy.

 

I'm hoping to send my SAR tomorrow, but two questions i would like to ask RBS account holders is who do you make the £10 cheque payable to? And secondly, does it make any difference sending my letter and funds to my branch or the address in Edinburgh?

 

In the meantime i will continue to work my way through the various threads within this section.

 

Many thanks,

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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Hi there,

 

Been recommended here by a friend who successfully claimed back charges against his account. I have read through all the FAQ's about the processes and where i stand should things get hairy.

 

I'm hoping to send my S.A.R - (Subject Access Request) tomorrow, but two questions i would like to ask RBS account holders is who do you make the £10 cheque payable to? And secondly, does it make any difference sending my letter and funds to my branch or the address in Edinburgh?

 

In the meantime i will continue to work my way through the various threads within this section.

 

Many thanks,

 

The cash is payable to RBOS and i sent my paperwork to my branch just for ease.

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Thanks for the swift reply. As eager as i am to claim back charges brought against me, i will still trawl through the threads here and try to gain a better understanding of what is going on as to be honest i've not overly confident at the moment.

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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Thanks for the swift reply. As eager as i am to claim back charges brought against me, i will still trawl through the threads here and try to gain a better understanding of what is going on as to be honest i've not overly confident at the moment.

 

You will be fine there is plenty of help here, and well done for taking the time to read the threads before you start!!! Any probs PM me.:D

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Hand delivered the SAR to my branch this morning, 40 days will begin from tomorrow...

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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  • 2 weeks later...

Ok i submitted my SAR on the 23rd October to my branch of RBS, its been over a week now and i have still not received acknowledgement that they have it.

 

Should i receive a courtesy letter to say that they are processing my request or does RBS not do this?

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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In my experience they do not do this, and they don't include a compliments slip or note when they send the statements either! Is frustrating isn't it because you worry if the request has gone to the right person.

 

You will have seen from other threads that RBS don't always comply with the 40 day deadline, so be prepared to hassle them. But your staements will come.

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In my experience they do not do this, and they don't include a compliments slip or note when they send the statements either! Is frustrating isn't it because you worry if the request has gone to the right person.

 

You will have seen from other threads that RBS don't always comply with the 40 day deadline, so be prepared to hassle them. But your staements will come.

Well my mind was thinking if they would be doing anything but from what you've told me i'm going to have to give them some work to do anyway :D

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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Ironically, i received an acknowledgement from RBS on the 1st Nov. Hopefully not long to wait now

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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Well i got my statements through this morning, and after having a brief look throuigh over my breakfast there are a few things i have questions on.

 

I take it on my statements where is says CHG against my account, is basically what i can claim back?

 

One thing i would like to query though, on my statements it says the following thing, for example.

 

INT TO 29DEC A/C ******** £7.19 withdrawn

CHG TO 27DEC A/C ******** £32.50 withdrawn

 

How much of this interest can i claim back? this is not the only time its appeared on my statements. and it amounts to quite a bit.

 

Thanks in advance

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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if you go to vampiress chamber and look at the spreadsheet there you enter the balance on the account at the time and that calculates how much of the interest is allowable. take your time and post back if you have any problems.

 

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 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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Stacey thanks for the reply.

 

I'll take a look at the spreadsheet, but one thing i need to clear up is, that particular charge. On some of my statements it is about £5 in one particular month and £34 for the next.

 

Is this CHG to do with the agreed overdraft i have on my account? If so i could understand paying £5, but why does it fluctuate so much, is it because on particular months where it rises to £34 i have gone over my overdraft?

 

thanks

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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if on a normal month its £5, anything above that will be a penalty charge. So claim for any anything above the standard charge i'e £29.

 

Double check what the standard charge is, it varies on different types of accounts!

 

 

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 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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  • 3 weeks later...

Ok, finally i've worked my way through my statements and prepared a spreadsheet, i'm going to transfer it across to one of the recommended spreadsheets on here.

 

One thing i've become worried about over the last couple of days is the possibility of my account being closed. Have RBS been known to do this?

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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I think they only tend to close accounts if you claim against them more than once, but as me says best to be prepared!

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 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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I've got a parachute account on standby should anything go pear shaped :confused:

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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  • 1 month later...

Thought i'd dig this thread up again, i've been a bit slack over the last couple of weeks.

 

I'm now at a stage to send my prelim letter, but there are so many addresses to send it to, who is best. I'd rather not give it to my branch if possible

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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Hi big lad

 

Seems like you and I are at the same stage of claiming against rbos.

as ive just sent my prelim letter about four days ago.

 

I dont think it matters where you send your prelim letter as it always gets to the right dept eventually. I sent mine to customer relations.

Did you send it registered mail? you can then follow the progress of it.

 

Good luck with your claim (not that you will need luck!)

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  • 2 weeks later...

Ok i've updated my spreadsheet ready to send to RBS, but would anyone be able to take 10 minutes or so to kindly check mine over and make sure i've got everything down and make sure i'm not claiming for stuff that i shouldn't.

 

Still a bit unsure you see as to what i can claim for and what i can't and want to make sure its right :confused:

 

Any help is appreciated

 

Many thanks

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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  • 2 weeks later...

Received an acknowledgement letter this morning from RBS, saying they will be in touch over my claim.

 

Is this the standard procedure?

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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Yep, attempt at delaying. Keep to your timescales

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Haven't heard anything from RBS since hey acknowledged my Prelim letter, should i just carry on to the next stage - LBA?

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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Ironically, when i got home from work just now there was a letter on my mat from RBS, offerring me a full refund of all my charges (£1230). I'd only sent a prelim letter off. Blimey. i'm extremely chuffed. :D

John

 

RBS S.A.R - (Subject Access Request) delivered - 23rd Oct 06

RBS Acknowledgement Received - 1st Nov 06

RBS Statements Received - 4th Nov 06

Prelim Letter Delivered - 22nd Jan 07

Full Refund offered on 31 Jan 07

Nationwide S.A.R - (Subject Access Request) delivered - 23rd Oct 06

Nationwide Acknowledgement Received - 26th Oct 06

Nationwide Statements Received - 3rd Nov 06

Prelim Letter delivered - 14th Nov 06

LBA Sent - a while back

Court Claim submitted and acknowledged - 27 Jan 07

Full refund offered 07 Feb 07

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