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.
I would like to know why account charges seem to vary from month to month. Sometimes it is £24 and sometimes £40 or more. I'm assuming this is due to the account going into debit, but it seems to that it doesn't have to be much debit or for long to attract these charges. Is it allowable to include the charges in your interest claim?
---------------------------------------------- http://www.consumeractiongroup.co.uk...external+links A-Z INDEX. really uselful
http://www.consumeractiongroup.co.uk...-get-your.html Letter thanking, but not accepting as final settlement.
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(I already had my statements saved, sad lad)
14.12.2006: Preliminary letter to RBOS.
7.1.2007: lba. Claim: £5085.12 (This includes interest component)
3.2.2007: N1 sent to county court. Fee £250, because > 5k
23.2.2007: Ackn of Service - bank defends.
13.3.2007: Defence received.
15.3.2007: AQ received & filed c court, + Order for Directions + Response to
Defense
3.4.2007: General Form of Judgement received.
5.4.2007: Copy RBOS AQ received.
12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)
Court accepts Small claims figure.
2.5.2007: Court bundle sent Registered mail.
14.5.2007 - BANK PAYS IN FULL. £4781.93
No, it just says 'charge to ...' then the date up to which the charge was being levied. I haven't asked bank itself yet, I guess I don't want to show my hand too early. I do have an overdraft on the account, but the charge changes from month to month quite substantially.
That charge is a mixture of Royalties fee and Over-limit penalty.
Royalties fee was £8 then £10 now £12. I don't know how others have approached the problem but I intend to average the fee at £10 and take that off each month to leave the penalty.
I am taking an average of the fee because the bank won't tell me when the rate changes took place.
I'm pretty sure I could tell you when charges changed, because I have kept my original statements and it is fairly obvious when the charges increase. However, I like your idea as it seems we really shouldn't be doing the banks work for it in this case. So I shall take an average of £10 off as well. ta.
'Referral charge' is when they pay a DD that you didn't have funds to cover, as opposed to 'Returned DD' which is when they don't pay it....damned if they do, damned if they don't!
Yes, I HAVE NOT yet sent any formal notice of legal action. It's just a request to refund the 'illegal' - that is the letter downloaded from this site.
Would anyone care to answer my original question - which was "Is it unusual for the bank not to send any answer in the first 3 to 4 weeks?" If so, when should I remind them that I do expect some form of reply?
If the bank have failed to respond in the time you stipulated then go to the next stage, what ever that may be.
Send the lba stick to your time limits.
Right. I have sent my lba. I have also recieved my copy of Small Claims Made Easy. Interesting read.
I will get my N1 in if I need to, I'm thinking of doing it online as it looks easy & neat. Has anyone had experience of electronic applications? I've read a few posts about Fast Track, is this the same?
Also it seems to want the name of my local court (somewhere in the Durham area). Is there a place I can go to find a list of appropriate courts?
I also have difficulty navigating the site (not very computer literate, e.g. what in heaven's sake happens when you furl a post?). I would like to link to the A-Z index post & also Karnevil (as it hyperlinks to all the essential documents). I tried clicking the icon "link to this post", but nothing seems to have happened. Can you advise.
Fast track is a higher court, the no cost rule does not apply.
Using MCOL is a convenient way of issuing a claim.
Have a good read of the FAQs theirs also a new template for the MCOL.
Right. I have sent my lba. I have also recieved my copy of Small Claims Made Easy. Interesting read.
I will get my N1 in if I need to, I'm thinking of doing it online as it looks easy & neat. Has anyone had experience of electronic applications? I've read a few posts about Fast Track, is this the same?
Also it seems to want the name of my local court (somewhere in the Durham area). Is there a place I can go to find a list of appropriate courts?
I also have difficulty navigating the site (not very computer literate, e.g. what in heaven's sake happens when you furl a post?). I would like to link to the A-Z index post & also Karnevil (as it hyperlinks to all the essential documents). I tried clicking the icon "link to this post", but nothing seems to have happened. Can you advise.
Thought I'd just let you know.....I haven't a clue. All my have so far settled prior to court so unfortunately, I can't help. As for navigating the site, don't know what you're talking about so I guess it's beyond me too
If you need a response from someone, why don't you pm a link to this thread to one of the more experienced / advanced peeps that hang around RBS, livelylad springs to mind, however, there are others. Open a few posts and see who the knowledgable peeps are and pm one of them asking them if they'd be so kind as to sort your court questions
If my post has been useful, tip my scales and let me know
Sorry........pm as in private message, easiest way to do this is click on the persons name on a post (where it says "Basic Account Customer" or something similar), a menu will appear and you can select "click on send private message".
If my post has been useful, tip my scales and let me know
dpgunn v RBS
claim?
Reply With Quote
Re: Rbsbattler
Would anyone care to answer my original question - which was "Is it unusual for the bank not to send any answer in the first 3 to 4 weeks?" If so, when should I remind them that I do expect some form of reply?
Originally Posted by dpgunn
