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.
Mortgage Late Fees Claim Kensington 09
RBS S.A.R - Full settlement of £1,500 19/01/07. BOS-14K Sold to DCA- No CCA so no pay.
Loyds-TSB Pre-Lim Ltd Co business account. AMEX sold to CapQuest-then sold back to Amex.
Latest:Fought SD for 36K wonwith costs..
Mortgae Charges Claims
GE Money charges: Suspended Hearing March 2010
Kensington: Claim Issued March 2011
GE Money Home Lending: Defending Repo April 2011
Donate to keep this site open
Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.
James, I've had a quick look. Couple of questions:
did you only start getting charges in 2006 - what about the 5 years previously?
The listings against the account number - are these set out as charges on your statements?
I take it you have been trying to pay of a loan from your current account and insufficient funds have put you over your overdraft limit? If that's the case, are you being defaulted on your loan as well?
Have you considered charging contractual interest - won't be much on charges from 2006, but might be worth a bit?
Once I understand a bit better I will comment on your s/sheet.
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 take it you have been trying to pay of a loan from your current account and insufficient funds have put you over your overdraft limit? If that's the case, are you being defaulted on your loan as well?
Yes i'm paying off a loan, perhaps on a couple of occasions the charge put my balance over the arranged overdraft limit. However I felt no need to complicate matters over claiming the small amounts of overdraft charges. I have no idea if my loan has been defaulted.
Have you considered charging contractual interest - won't be much on charges from 2006, but might be worth a bit?
I really don't know the meaning of "contractual interest"
Thanks again for your invaluable help in these matters , i'm completely lost.
Is this a Royalties or other account where you pay a monthly 'fee' for the service? If it is simply a current account with or with interest, that's fine, if not you need to be certain that the Royalties fee isn't included in one of the 'monthly' charges shown above.
I think if you had defaulted on your loan you would know about it. What I was trying to find out was 'are you being charged for not having made a payment on your loan account', as well as being charged in your current account for having insufficient funds?
Either way, if you want to keep it simple, fine. My only concern would be about separating out any 'fee' for the account from the charges. For example I only had an interest paying current account and my charges were £28 - which made me think you might be paying your royalties fee rolled into the £38 'charge'.
Let me know?
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'm slightly concerned as i beleive it may well be a "Royalties" account.
Are you saying that the actual bounced direct debit charges may include a "royalties" fee?
I am also a bit concerned - please have a look at the threads about RBOS charges and sorting out what is a charge and what is a fee for more information and how RBOS present this on statements - I think others have found they roll the two into one charge as well. I'll have a look and see if I can find the threads which are relevant for you. Someone with more experience of this may also be able to help.
I hate having to say that you may not be able to claim as much as you thought, but I wouldn't have done you any service to not mention it if the RBOS had then decided to defend on the basis that your claim is wrong.
Keep your chin up - we may still be able to bump it up with contractual interest, if you feel that way inclined.
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.
James, have a look at the top right hand corner of your statements. It says what account you have there. If it says "interest paying current account" or very similar, then it isn't a Royalties account. If however, it says "Royalties Account, Royalties Gold Account, Royalties Premier Account" then it's what it says it is!
If you need help identifying / splitting charges, read my post all about it here.
If my post has been useful, tip my scales and let me know
Could someone check my spreadsheet?
interest for the sum which you have taken. Total £XXXXX"
Reply With Quote
Originally Posted by jamespp
Sweetrevenge 