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.
Hi guys. I have sent an lba last week to BOS (£965) and RBOS (£350). I have had the usual fob off from each. Come the 14 day point I'll submit my claim to the court.
Hi Rudi, and welcome. sounds like u know what you're doing but if you get stuck don't be shy.
You won't need it - but good luck anyway!
Sweetrevenge
Don't get mad - get even!
If I've helped you please hit my scales 'n' bump my rep!
RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
WON at LBA with compound contractual interest £607
RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.
I notice that on the weekly court lists at the Glasgow Sheriff Court, the Summary Cause cases of individuals against banks rarely show that a law firm is acting for either side. Does this mean that in cases like ours, the banks arent even appointing court solicitors, as it would be a further waste of their (our) money.
What I find most despicable, is that they keep charging and denying claims, whilst settling others at the very same time. Bank staff have clearly been instructed to lie to customers and claim that they dont know of any such successfull claims.
I spoke to Willie Carson, Customer Care Manager at BOS (on 0845 850 0431), this morning, after recieving his letter denying my claim. I asked him why he would deny my claim whilst settling many many others. Would n't he just have to cough up like they did for all the others? Was I a special case, and different to all of the other claims that they have settled?
He refused to comment on other cases, but said that he was unaware that anyone had been repaid their charges. I made it clear that I would be submitting my court papers as soon as the 14 days notice had run out, unless they saw sense and paid the money to me.
I just received a letter from the Royal Bank of Scotland to confirm that, whilst admitting no wrongdoing, they are repaying me the full £350 in unlawful charges they took off me!
Now all I need is for the Bank of Scotland to give me the £965 that they owe me too.
I got my claim settled with RBOS on first letter. I think you have a better chance of getting it settled quickly if your claim is below £500. Both claims of mine that have been settled quickly have been below £500.
Good luck. I'm about to start court proceedings with BOS. They havent even had the decency to acknowledge my letters.
I've just recieved a letter from Margaret Wilson, Deputy Team Manager, at the Bank of Scotland. She is confirming that they "are not prepared to refund the charges levied, for the reasons stated in Willie's (Carson) letter".
I wouldnt get involved in telephone conversations with BOS unless it is to finalise settlement. Keep to your plan of action. If they are not prepared to refund the charges then you take them to court. Its that simple. They will then refund the charges!!!!!
Dont stress yourself out by speaking to them; they will only seek to confuse you and intimidate you. There is a system you should follow and I would recommend that you keep to the system and not rise to their bait!!!
The Consumer Forums
Newbie
Reply With Quote
Sweetrevenge 
