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.
ok, i have posted in the welcome thread previously, about my discovery of this great site, and my plan to reclaim charges made against me by RBS. i have been reading all the FAQ's, and following many people's claims, especially within the RBS forum. well done to all who have been successful so far!
so far, i have sent in my s.a.r. in mid october, and received my statements last week, very prompt! they charged me £10.
i have been carefully going through my statements, and have totalled charges of £1,524. i've also fed these numbers into the simple spreadsheet that is in the library, but i understand that i shouldn't worry too much about the interest at this stage. i'm a bit confused about this part still.
i have also prepared my prelim letter, which i will direct towards Tommy McLean.
Do you think that this will be the best address for me to send to?
Mr T McLean
Customer Relations Unit
Retail Support
The Forthstone
56 South Gyle Crescent
Edinburgh
EH12 9LE
Good luck (not that you'll need it) but give anyone a shout on here if it goes as far as filing your claim and we'll help you with the interest bit.
Keep us updated!
Lynzilou xx
Capital One
29.11.06 S.A.R - (Subject Access Request) sent 22.12.06 prelim sent - charges total £590.00 19.01.07 received offer of £164, sent refusal of offer - have until 5th Feb to respond or court action
RBS - claim £4451.76 ***WON***
03.11.06 Received letter from Tommy McLean offering full amount of £4451! Hooray!!!!! 26.10.06 received offer of £2685.00 in full and final settlement, sent refusal informing them I have filed my claim. If they do not refund by 3rd Nov I will proceed through the courts 26.10.06 filed claim with courts 16.10.06 received letter back offering £830, sent refusal, have until 25/10 to respond 11.10.06 sent letter requesting full refund within 14 days or court action 10.10.06 received statements, charges come to £4451.76! 26.09.06 sent S.A.R - (Subject Access Request)
Sounds like a good plan. You are right enough about the interest, this is only added when filing a court claim.
Keep it off the spreadsheet for the moment (when I did mine, I "hid" the relevant columns then printed it off - easier to retrieve that way).
Get your letter of to Big Mac and see how quickly you get your "bugger off" letter. (I estimate about 8 days)
Have fun.
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
(p.s.: i can't get my sig working with my progress in it - i have written it out and saved changes in the edit signature area, but it doesn't want to come up? i'm not good with forums, anyone know what i'm doing wrong? thanks)
EDIT: AH HAAAAAAAA
please ignore my ignorance, it's working now!
rbs :£1,525
sent S.A.R. 13th oct 2006
received statements 24th oct 2006
sent prelim letter 7th nov 2006
received polite "naw" from T. McLean 14th nov 2006
l.b.a. sent off 20th november
received letter 2nd Dec, another polite refusal
Tommy McLean advises by email to take court action
first direct : £?
sent S.A.R. 13th oct 2006
pending statements......
discovered that they have sent no statements from an account that doesn't exist....
Just for fun.....after you get your bugger off letter and you issue them with a letter before action, lets have a "sweep" as to how much your 1st offer is for.
I'll go for £835.
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
rbs :£1,525
sent S.A.R. 13th oct 2006
received statements 24th oct 2006
sent prelim letter 7th nov 2006
received polite "naw" from T. McLean 14th nov 2006
l.b.a. sent off 20th november
received letter 2nd Dec, another polite refusal
Tommy McLean advises by email to take court action
first direct : £?
sent S.A.R. 13th oct 2006
pending statements......
discovered that they have sent no statements from an account that doesn't exist....
Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived
LBA sent 29/8/06 £2646.64 claimed - no reply
Claim entered 26/09/06 £2716 + interest. Not acknowledged so Judgment requested 17/10/06
Judgment in default 28/10/06
Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...
GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06
LBAs on 2 accounts sent 5/11/2006
2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...
hi everyone. well, got my first letter from Tommy Mclean today, it is the standard one saying "we consider our charges to be fair" etc.
i already have my lba almost ready to go. I'm in two minds as to whether i want this to go the court route: on one hand, i'll get to charge them a whacking amount of interest, but i'll have to scrape cash together for the court fees. (how much are they?)
on the other, i'd have a nice lump coming to me for christmas.
i'll worry about it when the next response comes in i suppose......
rbs :£1,525
sent S.A.R. 13th oct 2006
received statements 24th oct 2006
sent prelim letter 7th nov 2006
received polite "naw" from T. McLean 14th nov 2006
l.b.a. sent off 20th november
received letter 2nd Dec, another polite refusal
Tommy McLean advises by email to take court action
first direct : £?
sent S.A.R. 13th oct 2006
pending statements......
discovered that they have sent no statements from an account that doesn't exist....
sending off my lba today, so let's hope i have a nice surprise before christmas!
cheers
daver.
rbs :£1,525
sent S.A.R. 13th oct 2006
received statements 24th oct 2006
sent prelim letter 7th nov 2006
received polite "naw" from T. McLean 14th nov 2006
l.b.a. sent off 20th november
received letter 2nd Dec, another polite refusal
Tommy McLean advises by email to take court action
first direct : £?
sent S.A.R. 13th oct 2006
pending statements......
discovered that they have sent no statements from an account that doesn't exist....
I wouldnt worry too much. If Tommy (Big Mac) McLean is up to his usual standard, you will get an offer of about half this week/ start of next week and, when you reject, you should be offered the full amount within 4 or 5 days.
My guess is that the money should be in your account on or around 5 December.
Happy Christmas!
j
PM me if you want to see how I approached Tommy.
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
rbs :£1,525
sent S.A.R. 13th oct 2006
received statements 24th oct 2006
sent prelim letter 7th nov 2006
received polite "naw" from T. McLean 14th nov 2006
l.b.a. sent off 20th november
received letter 2nd Dec, another polite refusal
Tommy McLean advises by email to take court action
first direct : £?
sent S.A.R. 13th oct 2006
pending statements......
discovered that they have sent no statements from an account that doesn't exist....
well, that's one week exactly since my L.B.A. landed on Tommy's desk, and i've not heard anything. i'm panicking that my letter is going to be one of the ones that gets lost, so does anyone think i should send a reminder email with the L.B.A. attached?
i haven't emailed Tommy McLean yet, so thought i'd better ask if anyone had any results from doing this?
rbs :£1,525
sent S.A.R. 13th oct 2006
received statements 24th oct 2006
sent prelim letter 7th nov 2006
received polite "naw" from T. McLean 14th nov 2006
l.b.a. sent off 20th november
received letter 2nd Dec, another polite refusal
Tommy McLean advises by email to take court action
first direct : £?
sent S.A.R. 13th oct 2006
pending statements......
discovered that they have sent no statements from an account that doesn't exist....
I'm also at lba plus 8 days and no reply although I'm corresponding with branch manager rather than TMcL, so any advice peeps have regarding your last post will be helpful to me also...
Best of luck with it all (not that we need it, but nerves!!!)
i guess i just think they might miss the deadline, and i don't know if i want to muck around with all the small claim stuff, it's way over my head!
thank the gods for this well spring of info and experience!
rbs :£1,525
sent S.A.R. 13th oct 2006
received statements 24th oct 2006
sent prelim letter 7th nov 2006
received polite "naw" from T. McLean 14th nov 2006
l.b.a. sent off 20th november
received letter 2nd Dec, another polite refusal
Tommy McLean advises by email to take court action
first direct : £?
sent S.A.R. 13th oct 2006
pending statements......
discovered that they have sent no statements from an account that doesn't exist....
Dave. Personally, if it was me, I would give him a call in a couple of days. I have spoken with him and he is friendly enough and it is probably just taking an extra day or 2 to get back to you. Dont be surprised if you see something in the post in the morning or Thursday
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
that's pretty much going to be my plan in the morning, unless something arrives in the post.
i'll post any results when i get em.
cheers fellas,
rbs :£1,525
sent S.A.R. 13th oct 2006
received statements 24th oct 2006
sent prelim letter 7th nov 2006
received polite "naw" from T. McLean 14th nov 2006
l.b.a. sent off 20th november
received letter 2nd Dec, another polite refusal
Tommy McLean advises by email to take court action
first direct : £?
sent S.A.R. 13th oct 2006
pending statements......
discovered that they have sent no statements from an account that doesn't exist....
I've been side-tracked a little, so I didn't get a chance to deal with this stuff until today.
I have just sent off this email to Tommy McLean, with original L.B.A. attached. I hope it is firm, but polite, I've heard he's a nice man!
Whaddya think?
Dear Mr. McLean,
I am writing to you to enquire if you have received and read my letter dated 20th November, in which I ask for bank charges to be refunded to me within 14 days. I have attached it here for your reference. I have also attached a chronological schedule of charges against my account.
It is now the 1st December, and I would like to remind you that I must stick to my deadline of 14 days (allowing for delivery), and therefore I will be filing a claim at court on Monday 4th December.
Please be aware that if this matter goes to court, I will be claiming for the full amount, plus interest, which totals £1,986. The amount without interest is £1,524.
I provide my phone number below, please feel free to contact me at any time. Thank you.
Kind Regards,
David Gow.
If i have not heard from TMcL by monday, I am going to phone him on his direct number, and push a little farther.
Hope this will do the trick!
rbs :£1,525
sent S.A.R. 13th oct 2006
received statements 24th oct 2006
sent prelim letter 7th nov 2006
received polite "naw" from T. McLean 14th nov 2006
l.b.a. sent off 20th november
received letter 2nd Dec, another polite refusal
Tommy McLean advises by email to take court action
first direct : £?
sent S.A.R. 13th oct 2006
pending statements......
discovered that they have sent no statements from an account that doesn't exist....
We did receive your letter and responded with a letter dated yesterday,
though it may have gone to the post only today, given that our last mail
pick up is at 4.00pm.
Our letter, however, simply reiterates our view that until the OFT completes
its investigation into current account charges, we believe them to be valid.
As a result, it may be best if you to proceed down the legal route within
your own timescales.
I am sorry this is unlikely to be the answer you would have hoped for.
Tommy McLean
I guess I'm going to have to go the court route then. Lots of reading to do over the weekend!
I suppose it means that I will be getting to claim the interest too.
rbs :£1,525
sent S.A.R. 13th oct 2006
received statements 24th oct 2006
sent prelim letter 7th nov 2006
received polite "naw" from T. McLean 14th nov 2006
l.b.a. sent off 20th november
received letter 2nd Dec, another polite refusal
Tommy McLean advises by email to take court action
first direct : £?
sent S.A.R. 13th oct 2006
pending statements......
discovered that they have sent no statements from an account that doesn't exist....
daver1975-vs-RBS
. i have been reading all the FAQ's, and following many people's claims, especially within the RBS forum. well done to all who have been successful so far!
Reply With Quote
Re: daver1975-vs-RBS
Re: daver1975-vs-RBS
