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Having got my head around all this with starting my battle with Cabot (who really have p****d me off big time), I've started down the road with the RBoS over their unlawful charges. Decided to start off nicely with them, and went to my local branch to speak to an advisor. Let them know my concerns over recent charges (I last spoke to them in the middle of December without anyone getting back to me), and she has promised I'll hear back about it soon. BUT! Next question was, How can I get hold of previous statement? I think alarm bells were going off by then, but she is arranging to get ALL my statements, 13 years worth, for both accounts to me. Costing £20 as it's 2 accounts. I thought that this might be the way to start before banging off a demand for them. Get serious later if they fail to materialise. I'll take everything from there once they get here, as per the procedures outlined on the Forum.
However, I'm sure I read somewhere that in Scotland, you can chase them up for more than 6 years worth of charges. Does anyone know if this is correct, or should I just concentrate on the last 6 years regardless:idea:
However, I'm sure I read somewhere that in Scotland, you can chase them up for more than 6 years worth of charges. Does anyone know if this is correct, or should I just concentrate on the last 6 years regardless:idea:
Seahorse
Just read on another Forum that max in Scotland is 5 years. Anybody know for sure?
parachute account opened today with Lloyds TSB. No problem with adverse credit, except it's a very basic account. Hopefully not required, but you never know
Statements arrived but only from 1999. Still, it's a start, and no SAR needed. Unfortunately, I'm out of the country for a month, so the suspense is going to be murder. Looking forward to getting back and getting my spreadsheet filled in.
Well, how about that!?!? The missus has just let me know more statements have arrived going back to 1997, so I guess I'll have to read up on claiming back further than the 5 year Scottish limit. Anyone who knows much about that are more than welcome to put in their tuppeny worth here. Please!!! :o
NOW I'm angry!!!! Slightly O/T but still on the subject of the RBS.
Just had a call from the missus. We have a loan with them, and the usual date for it to come out is the middle of the month. In November we asked for it to change to the last banking day of the month. 15th December, bump. Out it comes. Went in to complain, was told it would now be sorted. Next thing is, a letter today saying we have defaulted on our payments and they expected a payment mid January!!!!! So obviously, they HAVEN'T changed our D/D date AGAIN!!!! So I guess that's more charges, possibly a default on my credit file, all because someone can't do their job properly. I AM JUST SO MAD!!!
It almost seems as if they know I'm going to be starting proceedings against them next month when I get home and are acting out of spite. But of course, they can't possibly know who I am from my user ID on here, so the only other explanation I can deduce is that they are total imbeciles. Allegedly.
Hey SH, just so you know ppl are reading this, thought I'd say hello!! Not really sure with Scottish limits but sure someone can help. Good luck with it all.
With regards to your loan, if you have made contact with them in November and recently they should have footprints on your account that will prove you did make those calls. If they say there isn't, then write a very stern letter demanding them to resolve it - explain what you've done here and tell them you expect them to solve it and leave your credit file entact.
If they don't sort it, go for a SAR for your loan and instruct them you want all footprints on the account included. That should clear things up.
Btw, if you know this excuse the patronising explanation, but a footprint is a log that anyone who you speak to needs to leave on your account explaining what was said in the conversation.
HTH!!!
If my post has been useful, tip my scales and let me know
Hey SH, back again. Just been reading someone else's thread and this "20 year limit in Scotland" was linked in it. The heading made me think to direct you to it, not read it so don't know if it will be of use but should make some interesting reading for you!
If my post has been useful, tip my scales and let me know
AHA. Thanks for the link Taff. I've still got another week here, so plenty of time to read and learn before I get back and tear into them. I know there will be a footprint, cos I watched her log my complaint into her system the first time around. I'm STILL waiting to hear about getting a couple of charges refunded that I asked about before venturing on here, so they have had enough time to be helpful, and I know all my queries since about June are in there too. It was all done in my branch face to face, which is why I can't understand their ineptitude.
Now all I get is downright obstructiveness. The thing is, I remortgaged with them, and their attitude seems to be, they have me doing all my banking with them, so they just don't care any more. Well, the gloves are off. No piddly wee 5 year limit now, they are going to have to refund the lot.
Emma, in case you are reading this, why didn't you just do your job properly, you silly wee girl?
Looks like I'm going to be very busy from now on. I think I'd best plan a timetable properly so I don't lose track of where everything is at.
Well, having just read the thread and taken over an hour at it, my eyes have packed up for a while. (Silly me forgot to bring my specs to the States with me) However, it all got a bit heated in there, and I'm not sure there is a legal basis for going back further than the 5 years. However, it also appears that the banks are not sure of their ground either, and would prefer to settle rather than try it out in court. I assume on the basis that, although they may be in the right regarding the limitations, they would still need to defend their position regarding their charges. If I do go down this route, AND claim for contractual interest, over a period of 13 odd years, it might well come to the point where I'll need to to consult a lawyer.
I'll just have to be patient until I can get my hands on my statements.
Good luck Seahorse I was only with RBoS for 3 years banking and they took just under £800. Sent my preliminary and they received that today, so will now have to wait for there response.
Well, now I am convinced they DO read my posts, and they do know who I am. (Being paranoid doesn't mean they AREN'T out to get you!!! )
Just spoken to the missus, who tells me the branch have become suddenly VERY helpful.. We shouldn't have had the letter, no charges on our account etc, etc. And we'll keep an check on your account all week to make sure nothing happens that shouldn't. WTF???? All very weird.
Oh, well. This time next week I should be at home and able to sit down and tot up my spreadsheet, then hit them with my prelim.
Good luck Seahorse I was only with RBoS for 3 years banking and they took just under £800. Sent my preliminary and they received that today, so will now have to wait for there response.
I was with RBOS for about 3 years too & I'm looking at just under £2000 in charges..........in one month I actually got stung for £420!!!!!!!
i JUST GOT BACK HOME YESTERDAY, BUT JETLAG HAS ME UP AT SILLY O'CLOCK IN THE MORNING PLAYING WITH MY CHARGES (oops, caps lock ) I think this is goint to take a little longer than I thought. So far, on our first account, from Nov 97 up to March 01, it's come to £1,404. NOT including interest charged, and not adding any interest at ll. No contractual, or statutory. All I'm thinking is B*&&$Y HELL!!! How much is the whole lot going to add up to??? I'll just have to plough on and see, I guess. Oh, well. Back to the spready.
Well, that's the first account done. Just a smidgin over 3k, before adding in contractual. There's also a few dodgy looking charges that seem to be way over the normal fees for the account, but I don't think I'd be able to pin them down as unfair charges, so I'll ignore them in the meantime. I have a feeling I'm going to need a solicitor if I go down the route of contractual, so I'll have to try to get the legalities fixed in my head first.
Right, now to start on the second account. Haven't had it open as long, but as it is supposed to be our bill paying account, I have a feeling that's where a lot of the charges will be. Here goes...
Well, that's the first account done. Just a smidgin over 3k, before adding in contractual. There's also a few dodgy looking charges that seem to be way over the normal fees for the account, but I don't think I'd be able to pin them down as unfair charges, so I'll ignore them in the meantime. I have a feeling I'm going to need a solicitor if I go down the route of contractual, so I'll have to try to get the legalities fixed in my head first.
Right, now to start on the second account. Haven't had it open as long, but as it is supposed to be our bill paying account, I have a feeling that's where a lot of the charges will be. Here goes...
There are quite a few cases of people winning with contractual interest without using a solicitor, are you sure you want to involve one?
Cheers for that lively. That shows pretty much what I'm claiming for. The ones I'm not too sure about vary between £15 (whch ties in with monthly charge for Royalties. Yes, silly me but back to a normal acc now), to £43. I can't see how to split it out, but I guess part of anything over and above the Royalties fee will be charges for unauthorised OD. There are seperate £3 charges, and I'm guessing too that they will be an authorized OD fee. I think I'll be cheeky and ask my branch to clarify, cos over the nearly 10 years, it'll ramp the amount up a fair bit.
No, not sure about a solicitor. But bearing in mind the costs involved in going for quite a hefty refund, I'd like to have a bit of muscle in my corner. Perhaps if I can understand in my own mind exactly why it's fair to claim the contractual, it won't be necessary. But at the moment, I'm having trouble convincing myself it would be fair, so how to persuade a judge in that case?
What I really need to do is go through all the contractual cases and see if I can make it all gel in my head.
Anyhoo... need to take a break and sort the horses out.
Hey SH. Reference your varying charges, you are correct, you need to strip out royalties charges from it then claim back the rest. I've got a definitive explanation of deciphering RBS charges here. That along with lively's list of charges should sort you out..
If my post has been useful, tip my scales and let me know
OK, I've now got the info I need regarding fees (but I'm almost going to wish I hadn't as I'm going to have to sort through several hundred statements again I said ALMOST).
interest paying current account - Free
Royalties - £6/month
Royalties gold - £12/month
Royalties premier - £15/month
How daft was I? Fees for benefits I hardly use, if at all. Oh, except for preferential interest rates on a loan I probably wouldn't have needed if it hadn't been for them and their Turpin-like activities.
OK, spready time again, and by heck, is this going to send the claim soaring. Woohoo!!!
Oh, dear. I think I need to lie down. I've come over all soon-to-be-rich.
Discounting agreed fees, Royalties fees etc, I have come up with the following on my main account...
Total penalties - £4479.59 interest on penalties - £215.97
Total RBos owe me - £4695.56
Enough to have my little heart pounding on it's own. But WAIT, there's MORE. If I pop in a rate of 29.9% (RBoS's unauthorized borrowing rate, I believe), all of a sudden, I find the blighters should REALLY be handing over a tidy little £21223.93!!!!
Just on one account. I need to finish off the spready for the other one tomorrow. OOERR, MISSUS. :o
Anyone think I should adjust the percentage, or does it seem reasonable to bash them with that figure? I'm going to have to spend a little time trawling the success stories for some indication of how they'll behave when faced with a claim like that.
Time for a rest. More financial shenanigins tomorrow.
Seahorse v RBoS **WON **
worth of charges. Does anyone know if this is correct, or should I just concentrate on the last 6 years regardless:idea:
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Re: Seahorse v RBoS
Originally Posted by Seahorse
I was only with RBoS for 3 years banking and they took just under £800. Sent my preliminary and they received that today, so will now have to wait for there response.
How much is the whole lot going to add up to??? I'll just have to plough on and see, I guess. Oh, well. Back to the spready.
