Shaunboy Vs Royal Bank Of Scotland

**shaunboy** · 17th November 2006 12:27

The royal Bank of Scotland have made me a offer of 515 pounds but they owe me 3k now I have accepted that offer as part payment, that was over 2 weeks ago, and not heard a thing since. So I have made a appointment with a solicitor to see if I have any chance of winning my case ( first half hour free ) can anybody else tell me if I am doing the right thing as I am not legally minded and not sure what I am doing.

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**biffinplate** · 17th November 2006 12:41

shaun

If you follow the instructions on this great site loads of people have won without the need for legal help. If you read through some of the longer threads and in the success forums you will see what the banks do and how people have responded.

Good luck - let us know what the solicitor says.

**cariad mo brwydrwr** · 17th November 2006 12:57

Shaun, Its probably not necessary to see a solicitor. What stage are you at with your claim? If you let us know what you've done so far and how far along you are we can help you on here.

**shaunboy** · 17th November 2006 17:44

just letting you know that i have been to the courts to hand in my N1 claim form had enough of waiting bank took to long i give them 14 day they replyed back saying the were looking into my claim and i waited another 10 like they asked still no reply so the courts here we go

**shaunboy** · 22nd November 2006 17:39

got a offer though dont know weather ot except it or not

**mfp** · 22nd November 2006 17:55

Did they offer you the full amount, Shaunboy?

**shaunboy** · 22nd November 2006 17:59

no they took off the interset but with it coming christmas and having two kids its a hard decision

**cariad mo brwydrwr** · 23rd November 2006 10:36

Only you can make the decision whether you could benefit from the money now or if its worth holding out for the full amount. Its really down to your individual circumstances. No-one will berate you for not holding out for the interest icon

if its not in your best interests right now to do that. Obviously kids+christmas=spending! But if you think you can afford to hold out a bit longer then go for it. It's up to you

All the best.

**mfp** · 23rd November 2006 13:33

Shaunboy:

I'm still at the start of my own claim, so please don't take this as gospel...

but from what I've seen posted by more experienced claimants, you are perfectly entitled to accept an offer from your bank (let the family have a better Xmas) - but including a proviso in your letter accepting their offer which will basically say that you are still entitled to pursue the bank for further cash, ie: the interest icon

they still owe you, or anything else you feel that they've taken unlawfully.

This would mean you get money ASAP but still keep your options open regarding getting more of your money out of the bastards!

I hope a more experienced member of the forum who has done this succesfully will reassure you here.

mfp.

**mfp** · 23rd November 2006 13:44

Shaunboy,

I've re-read your first post, and it sounds like you've already accepted one of the bank's offer as a partial-payment...

If they are offering more, now, then surely you can accept and move on to court papers, which will force them to pay up the rest?

Not sure what your process has been, though.

Have you seen this, though: http://www.consumeractiongroup.co.uk...ent-offer.html

mfp.

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