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.
Just reporting in with a massive £4030 in charges in the last 6 years on my parents' Royalties Gold Account! Was shocked!
I have sent off Preliminary Request to:
Customer Relations Manager
The Royal Bank of Scotland
Freepost, PO Box 1727
Edinburgh EH12 9JN
on the 23rd October and am waiting for their response.
I am just wondering what happens if the charges added between now and the potential court proceedinds take me over the £5000 mark? I have noticed on the Vampress spreadsheet that the 8% interest figure is already at £5161.77. Can anyone shed any light on this?
I am fight another battle for my olds with ltsb and their business account just waiting for the statements ...
Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030
Request for Statements Sent: 9th October
Got statements from RBS pretty quickly
Premliminary Request Sent: 23rd October
Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)
Sent off Letter Before Action: 27th December 2006
Recv Letter saying please be patient! 20 Jan 2007 - Full refund offered!!!!!
Daph4ntom's Parents Business Acc VS LTSB Request for Statements Sent: 3rd November
Eventually Recv Statements
Premliminary Request Sent: 27th December 2006
Q. Is there any limit to the amount that I can claim?
A. No. If you keep your claim value under £5000 then the case should stay on the county court Small Claims Track. This way, if you lose, you shouldn't be liable for costs.
However, there are actually some advantages to claiming above £5000 - this is discussed in greater detail on the forums.
I suppose what I am asking is if the original amount is less than £5000 but the interest takes you over £5000 will it still be handled in the small claims court? My apologies for lack of clarity
Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030
Request for Statements Sent: 9th October
Got statements from RBS pretty quickly
Premliminary Request Sent: 23rd October
Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)
Sent off Letter Before Action: 27th December 2006
Recv Letter saying please be patient! 20 Jan 2007 - Full refund offered!!!!!
Daph4ntom's Parents Business Acc VS LTSB Request for Statements Sent: 3rd November
Eventually Recv Statements
Premliminary Request Sent: 27th December 2006
Hmmmm, have already sent the preliminary request...
Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030
Request for Statements Sent: 9th October
Got statements from RBS pretty quickly
Premliminary Request Sent: 23rd October
Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)
Sent off Letter Before Action: 27th December 2006
Recv Letter saying please be patient! 20 Jan 2007 - Full refund offered!!!!!
Daph4ntom's Parents Business Acc VS LTSB Request for Statements Sent: 3rd November
Eventually Recv Statements
Premliminary Request Sent: 27th December 2006
Panic not, the claim value is ex- interest. In other words you will be ok under £5000 in small claims, although your payout may be more.
j
1/9/06 RBS claim #1
8/11/06 - claim settled
17/11 claim #2 started - incl creditcard
30/11 - CC statements received
31/11 - Prelims issued - RBS paying up, only M/C to go)
If any of my advice/ info has been helpful, please click the scales
Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional
Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030
Request for Statements Sent: 9th October
Got statements from RBS pretty quickly
Premliminary Request Sent: 23rd October
Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)
Sent off Letter Before Action: 27th December 2006
Recv Letter saying please be patient! 20 Jan 2007 - Full refund offered!!!!!
Daph4ntom's Parents Business Acc VS LTSB Request for Statements Sent: 3rd November
Eventually Recv Statements
Premliminary Request Sent: 27th December 2006
Just got a letter from Customer Relations Unit, Edinburgh from Tommy McLean which has confused me a bit, is this the fob off letter?
It is a bit confusing because it goes on about credit cards...
The OFT has restricted its investigation to credit cards and made no attempt to consult with RBS or the industry in relation to other, entirely different products.
I guess this must be therefore time for the next stage?
Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030
Request for Statements Sent: 9th October
Got statements from RBS pretty quickly
Premliminary Request Sent: 23rd October
Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)
Sent off Letter Before Action: 27th December 2006
Recv Letter saying please be patient! 20 Jan 2007 - Full refund offered!!!!!
Daph4ntom's Parents Business Acc VS LTSB Request for Statements Sent: 3rd November
Eventually Recv Statements
Premliminary Request Sent: 27th December 2006
Off with the lba (I take it their letter goes on to say they they will not be paying out?)
j
1/9/06 RBS claim #1
8/11/06 - claim settled
17/11 claim #2 started - incl creditcard
30/11 - CC statements received
31/11 - Prelims issued - RBS paying up, only M/C to go)
If any of my advice/ info has been helpful, please click the scales
Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional
Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030
Request for Statements Sent: 9th October
Got statements from RBS pretty quickly
Premliminary Request Sent: 23rd October
Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)
Sent off Letter Before Action: 27th December 2006
Recv Letter saying please be patient! 20 Jan 2007 - Full refund offered!!!!!
Daph4ntom's Parents Business Acc VS LTSB Request for Statements Sent: 3rd November
Eventually Recv Statements
Premliminary Request Sent: 27th December 2006
After an absence I have finally managed to get my Parent's lba sent out to RBS (27th Dec 2006)
Can anyone give me (my dad) any help with the court preparation if we end up there? I have bought the small claims pack from here already
How are the RBS successes going as I have been busy at work so have not had a chance to see how people are getting on?
Cheers all...
Daph.
Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030
Request for Statements Sent: 9th October
Got statements from RBS pretty quickly
Premliminary Request Sent: 23rd October
Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)
Sent off Letter Before Action: 27th December 2006
Recv Letter saying please be patient! 20 Jan 2007 - Full refund offered!!!!!
Daph4ntom's Parents Business Acc VS LTSB Request for Statements Sent: 3rd November
Eventually Recv Statements
Premliminary Request Sent: 27th December 2006
I received a letter from "Sandy Watts" yesterday at the RBS Customer Relations Unit.
Thank you for your letter dated 29th December 2006.
I am sorry that we have not yet been able to respond to you and would ask that you bear with us in the meantime. We are currently investigating and will respond to you as soon as possible.
Thanks for your patience to date.
Yours sincerely,
Sandy Watt.
Do I just wait for their reply? Or wait a reasonable amount of time and then proceed with next stage?
D.
Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030
Request for Statements Sent: 9th October
Got statements from RBS pretty quickly
Premliminary Request Sent: 23rd October
Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)
Sent off Letter Before Action: 27th December 2006
Recv Letter saying please be patient! 20 Jan 2007 - Full refund offered!!!!!
Daph4ntom's Parents Business Acc VS LTSB Request for Statements Sent: 3rd November
Eventually Recv Statements
Premliminary Request Sent: 27th December 2006
I WON!!!! Daph4ntom's Parents Royalties Gold vs RBS
OMG!!!
Just got a letter from RBS this morning saying they are going to put the entire amount £4030 back into my parents' account!
I decided to wait for a response rather than get into the court proceedings! My olds are over the moon, it's there 30th wedding Anniversary this year so some of the cash will go into that pot
Once the money gets into my parents' account I shall give some back to this forum
Am still very much stunned!
Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030
Request for Statements Sent: 9th October
Got statements from RBS pretty quickly
Premliminary Request Sent: 23rd October
Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)
Sent off Letter Before Action: 27th December 2006
Recv Letter saying please be patient! 20 Jan 2007 - Full refund offered!!!!!
Daph4ntom's Parents Business Acc VS LTSB Request for Statements Sent: 3rd November
Eventually Recv Statements
Premliminary Request Sent: 27th December 2006
Could an admin please move this and change the title to won please?
Daph4ntom's Parents Royalties Gold VS RBS Claim: £4030
Request for Statements Sent: 9th October
Got statements from RBS pretty quickly
Premliminary Request Sent: 23rd October
Letter from TMcL Recv: 2nd Nov (think this is FOB OFF?)
Sent off Letter Before Action: 27th December 2006
Recv Letter saying please be patient! 20 Jan 2007 - Full refund offered!!!!!
Daph4ntom's Parents Business Acc VS LTSB Request for Statements Sent: 3rd November
Eventually Recv Statements
Premliminary Request Sent: 27th December 2006
Daph4ntom's Parents Royalties Gold vs RBS
on my parents' Royalties Gold Account! Was shocked!
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Re: Daph4ntom's Parents Royalties Gold vs RBS
I WON!!!! Daph4ntom's Parents Royalties Gold vs RBS
