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.
I have recently sent my Charges letter and Schedule of charges to the Middlesbrough Branch of the RBS (dated 14th oct).
To my suprise I recieved a reply dated the 20th, as follows:
Thank you for your letter of 14th Oct 2006 about charges. I am sorry you were unhappy with the service you recently received, but grateful that you took the time to write and explain why.
I am already looking into your concerns, and can confirm that I have today ordered historic statements in order for us to reconcile the charges quoted in your letter to your acounts. I will contact you again in seven days, either with a full response, or to let you know what progress I have made.
I shall do mt utmost to resolve your complaint quickly and to your complete satisfaction, but so that you are aware of all the options available to you, I have enclosed a leaflet that explains how we handle customer complaints.
Firstly, no Leaflet was included
Secondly, the date for the banks reply has passed, as has the 14 days I gave in my first letter.
So, that was the response to your prelim letter? and the 14 days is up? they are just stalling, pay no attention and send in your lba. Give them 14 days from the date of posting your LBA and file your claim.
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!!!!!!!!!
Thank you for your Letter dated 30th Oct 2006 regarding repayment of charges and for your patience while I have been investigating your complaint. I am not yet in a position to respond to all your points in full because of a delay receiving copy statements
I am extremely sorry to have to keep you waiting, but rest assured, I will contact you again in due course.
Yours Sincerely
H Byers
Letter 2 dated 2nd Nov
RE: Case Reference 3849464
Thank your for your patience while I have been incestigating your complaint about charges made to your account. I am not yet in a position to respond to all your points in full because we have not yet recieved the copy statements but we are chasing this up.
I am extremely sorry to have to keep you waiting, but rest assured, I will contact you again within the next two weeks.
Your Sincerely
A Coote
So I have been sent two very similar letters from two different CSO's and one stating a time frame which is about to pass. Is this yet another delaying tatic?
I am also due to make a court application this week as the time scale for that is also due this week.
Should I send a letter first reminding them that I'm about to do that and pointing out that their own time scale has again run out?
Or should I just proceed straight to the court claim process??
First Reply From RBS
(dated 14th oct).
Reply With Quote
Re: First Reply From RBS
.....send them a letter telling them that you have filed a claim and attach a schedule of charges plus 
