Thread: An Offer !

I have reached (almost) the end of reasoning with RBoS
Complaint about charges etc being rejected (you've seen the standard format of their letter) and I have been advised that summons should be sent to their Edinburgh office.
But, the on line court service says only England and Wales, so can anyone advise please.
Also, has anyone actually been to court with them yet?

Thanks

Chris

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England,
They tell me to address summons to Edinburgh address

Seem to be getting a bit of a further run around from the Tommy Mclean in Edinburgh
Conceeded that I can issue a Bluey to local Branch, the interesting observation is " all our branches are aware hoew to handle claims" That makes me think that they are perhaps bracing for the storm.

Also,I asked if the Bank considered charges leveed to be Penalty charges , Response " We do not regard our charges as penalty fees Following the oFT investifgation into Credit Card default fees etc, We have responded to the OFT befoire the deadline of the 31st May and await there comments on our response along with that of other banks"

i WONDER IF THIS IS PERHAPS A BIT OF GUILTY CONSCIENCE?

Chris

I am probably being very dim, and I am, as I have mentioned been getting the run around from Mr MacLean in Edinburgh
His contention is as always, that their charges are legal.

I have quoted Consumer Credit Act and OFT Regulations to him but to no avail
Can anyone exactly define whether the OFT Rules are fully legal and enforcable, or only guidelines?

I saw as probably did evrybody hat excellent Trevor MacD programme the other night, but I would be grateful for a little hand holding at this moment on the enforcability of OFT and CCA

Has anyone actually been to Court yet with RBS?


Many thanks


Chris

Thank you for your encouragement, and apologies for thepostings, I am not overly skilled in forums.

Right, I will get the 6 years statements at a cost of £5, ( and add this to the bill) and issue a Summons PDQ, I am sure you are right, they are off course hoping I will get bored, run out of steam etc

Many thanks

Chris

Hope I am posting this correctly, apologies if in error

Have faxed the ubiquitous Tommy in Edinburgh requiring last six years statements, gave them 14 days, ( due up end of next week to provide), or I would issue the summons based on an estimate.

On another matter, my branch totally cocked up an instruction to change date of a standing order, and cancelled it !
Wrote a strong letter outlineing their ineptitude, and failure to understand a clear instruction. Today had a call from a rather nice lady not at branch, apologising, confirming AND asking if I had been put to any costs due to the cock up, Do you get the feeling that kid gloves are being used and a worried bank?

Thanks to all encoragement and reading other tales, I am really going to get these thieving B******

I have baked with them from 1972, Glynn Mills, and then Williams and Gynns and then RBoS. Obviously long term loyalty counts for zilch

Well, received the copy statements today and bought a new highlighter!
Just a question on what I should be totting up
1. Obviously all referral charges
2. Generally listed as charges on the statement
3 Interst listed for each month from statement
4 Service charge?
5. Royaltys Gold account fee not relevant
6. Court charge when known
7.Incidentalls incurred

Please confirm/advise if anything I should or should not be including

Many thanks

Chris

I have just passed a while going through statements over the last six years and have totted up £720 in "referral charges

I am unsure however whether to add to this the "Service and Maintenance charge" which is listed for each month, not sure exactly what this covers can anyone advise if a) I should add this, which is 71 x £20 = £1420

Also, I presume I should also add interest on the amount(s) for the whole of the six year period plus any expenses and court costs?
I would appreciate any final advice, HMCS web site beckons !

Chris

I dont believe you can add the service and maintenance charge into your claim as this would appear to be a fee for a service - of them providing your account and maintaining it for you.

The overdraft interest you only claim where it is caused solely by the charges leaving your account.

The court charge you enter in a seperate box on your claim form.

The 8% interest - you need to complete the Interest spreadsheet, or use the online calculator,http://www.consumeractiongroup.co.uk/chargeinterest.php to work out the 8% you are entitled to claim once your claim is lodged with the courts.

I'm not sure about expenses - most people haven't put these in their claims.

Have faxed the ubiquitous Tommy in Edinburgh requiring last six years statements, gave them 14 days, ( due up end of next week to provide), or I would issue the summons based on an estimate.

As they have complied with this request within the time limit - I believe you should send another letter detailing all the amounts you have worked out (excluding court fee and 8% interest) requesting a refund within 14 days or you be filing with court for a refund, and additional courts costs and interest will be added - this will give them the opportunity to settle before it reaches court, and show you have made a reasonable effort to come to a conclusion before involving the courts.

OK, I dont feel very charitable, but its a sound idea to show reasonableness

Faxed a letter and a schedule of charges excluding interest and court fees etc to dear Tommy and Branch, and backed this up with recorded delivery letters saying that refund to be into my account by 5pm Monday 10th July, or Summons would be issued forthwith and include interest and court charges

We shall see!

No,
My first contact with Branch at Chichester about this was a generalisation in February, and after a week a phone call and letter promised that it would be investigated and a response within two weeks.
Then, the Grand Silence from Chichester despite several letters from me getting angrier and angrier at this slovenly attitude.
Finally put in a complaint vis web site and have had the pleasure (!) of Mr Tommy, who as we all know repudiates any who dare to question.

Ihave been spurred into action on this and requested the 6 years statements, which I have gone through and after a suggestion here today, I have written to the Bank and given them 14 days to repay £740 orI will issue summons for this amount, plus court fees and interest.

So a rather protracted affair, caused by the terrible behaviour of branch

All previous letters sent have used the formats