Thread: Suzy H v RBoS

Hi - just moving over from the DCA posting as have now got round to posting off my SAR yesterday by recorded delivery to :-

Royal Bank of Scotland
Senior Customer Relations Manager
Freepost
PO box 1727
Edinburgh
EH12 9JN

This account is being handled by Wescot DCA but 'do not acknowledge any debt to their company' so will (as always) keep you updated on developments.

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Received a nice letter today (dated 26 October) from 'Mrs M Carpenter' (same person who wrote to me re my Tesco account) confirming 'safe receipt of [my] postal order and that copy statements will be sent to [me] within the 40-day timescale'

Marvelous

Good luck Suzy and keep us all informed.

Stacy xx

Thank you Stacy & good luck to you to

Recieved my statements today so out with the highlighter it is

Just a quick question ... I have noticed 5 x £25 'unpaid convenience cheque fees' oops - can I also claim this back?

Cheers

yeah I should think so Suzy!

Marvelous - thank you Stacy

I'll update the thread when I add up the figures

Added up the late payment fees and the unpaid convenience cheque fees and get a grand total of £305 Will draft my prelim letter tonight and post tomorrow.

quick question ...

I have, for example,

14 JUN LATE PAYMENT FEE 20.00
14 JUN interest - SEE SUMMARY 14.85
14 JUN INTEREST - SEE SUMMARY 28.45
14 JUN INTEREST - SEE SUMMARY 0.26

In the 'summary of balances' the interest is purchases, cash & convenience cheques. Don't suppose I can claim any of those interest charges back can I

letter before action going out today .

Suzi

hi suzy,

good luck, hope it all goes well.

im still languishing in the prelim letter stage, trying to work out what interest to go for.....i think im stalling myself instead of just going for it..

The RBoS statements are really hard to decipher....is that deliberate??

Hi TD

For sure it's deliberate - I guess anything to put us off claiming . I'm still just going for the 8% interest to be honest, as claiming the higher rate is still over my wee head never mind i'm happy with what i'm going for.

They received my letter on the 8th but I have not even had an acknowledgement from them, never mind the standard bogoff letter, so i'll keep you posted on the outcome of the lba.

Nothing ventured nothing gained TD - go for it and before you know it you'll be running down to the bank with your cheque.

Good luck

Hi all

Got a letter from Sandy Sims, Senior Customer Advisor, Customer Care Team saying they are looking into my concerns.

14 days runs out tomorrow so I guess MCOL next

hey suz,

did you MCOL the RBOS?(i love acronyms)...following this with interest as i'm going to do the same in the next 4 weeks.

cheers

Hi TD

Haven't gone to MCOL yet ...

... but meantime I have received another letter -- this time from Gareth Gerreli with the usual standard response.

I was going to wait until after Christmas to MCOL so I could give it 100% of my attention.

Good luck with your claim and i'll keep you posted

Suzi

Just an update ...

... sent off my MCOL on February 20th but no news yet however they have stepped up the pace and there are two DCA's now chasing this debt http://www.consumeractiongroup.co.uk...croft-now.html

Good morning guys

Received some great news this morning -- from The Royal Bank of Scotland Group, Group Litigation, 1 Princes Street, London, EC2R 8PB.

The letter dated 16 March 2007 has a cheque enclosed for the full value of my claim (£536.30 ).

Really chuffed and as always ... thank you to everyone for their advice, guidance and support.

Suzi