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.
Can someone clear this up please, I have an RBS account in England , sent DPA letter etc, and heard nothing, when I called the branch I was referred to the head office in Scotland, is this ok? my branch did nothing with the letter and I seem to be getting somewhere with Head Office,
Can someone please tell me what the liabilities are if my claim is being delt with over the border ? When I submit Court Proceedings, I will be doing so in England because that is where my account is based and I live. Is there any difference please ?
Scottish born and bread stay here ......so trust me on this keep in England ......don't think of trying in Scotland these are the limits and exclude interest.... the limits are small claim up to £750.....Summary Cause £750 to £1500 Ordinary Cause over £1500 and you need a solicitor and guess what ? You WILL NOT get any ......the banks have a contract with the solicitors ........along the lines of
do work against us you don't work ever for us again
I'm a bit further along the trail but this thread has started to get me worried.
Basically I have an account in England however all my paperwork has been forwarded to Scotland. The deadline on my lba has expired so I am just about to file a court claim. I entered the address (which is in Scotland), from the letter they had sent me letter confirming they had recieved my correspondance, into MCOL and it said it could not deal with claims over the border?
Please tell me I haven't dropped a clanger!?!
If any of you have found anything more out I'd be interested to know.
Can someone please tell me what the liabilities are if my claim is being delt with over the border ? When I submit Court Proceedings, I will be doing so in England because that is where my account is based and I live. Is there any difference please ?
the post that this came off
also one of the links lead to tommy mclean and addressed as RBS( whom I've never seen mentioned ) I thought he was at the Govan law Centre
Just to keep it right sorry
But I've done 6 in Scotland
result so far 6-0
and Now got 2 in England
I don't think anyone was disputing that Tommy MacLean is in Scotland, it's quite likely that the ROYAL Bank of Scotland would have offices in SCOTLAND.
What I'm telling you is that the fact that TMcL is corresponding with you from Scotland does not impact your case. If your own address is in England and you have an address in England for the bank (which you do - either your branch or the Litigation address above) then your claim is under English Law in the English county court - be it MCOL or your local court.
I don't think anyone was disputing that Tommy MacLean is in Scotland, it's quite likely that the ROYAL Bank of Scotland would have offices in SCOTLAND.
What I'm telling you is that the fact that TMcL is corresponding with you from Scotland does not impact your case. If your own address is in England and you have an address in England for the bank (which you do - either your branch or the Litigation address above) then your claim is under English Law in the English county court - be it MCOL or your local court.
My first post. Treat me kindly...
My branch is in Scotland, but I live in England (and have never actually been to my branch as my old branch closed). Will I be able to issue proceedings in England?
you have to issue against your branch, however if that branch is now closed you could probably issue proceedings against the Princess St address in London.
I understand that I will be issuing against my branch but the question for me is in which jurisdiction? As I live in the deep sarfff I don't want to have to trek up to a court in Scotland because my branch/account is up there.
First off, best place to start is just by sending all letters to Customer Relations in Edinburgh, attention either Sandy Watt or Tommy McLean.
Start with the SARS, add up the charges, then the Prelim, then the lba. (If you have all your statements just jump into the prelim)
IMHO, if your claim is for under approx. £1500 they will probably settle before you issue a court claim anyway....seems to be the trend however I probably just jinxed my second claim there!
When I claimed, I didnt even bother with my branch, just went straight to Customer Relations. (Branch is in Essex)
Settled first claim within a month and half.
Just read thru all the threads, read the step by step and start your own thread. loads of RBOS claimers here to help you out. AND GOOD LUCK!
Your address is in England and that is the important part. Use the Litigation address in London for MCOL.
By all means correspond with Customer Relations but I wouldn't bother with Sandy Watt as apparently he is a temp and has no actual decision making authority (his own words - from another thread)
RBS : keep all correspondence in England ????
account in England , sent DPA letter etc, and heard nothing, when I called the branch I was referred to the head office in Scotland, is this ok? my branch did nothing with the letter and I seem to be getting somewhere with Head Office,
Reply With Quote
Re: RBS : keep all correspondence in England ????
Originally Posted by stivis
