Hi all, first looked at this site back in June and now I'm finally doing something about reclaiming my charges.... Slow, I know, but small issue of an ever growing pregnancy has worn me out!

I got re-inspired to take action thru the mse site and sent their first letter off asking for money back, complete with a break down of charges and 8% interest from a spreadsheet I filled out from this site ages ago. Obvoiusly I updated this and as it was just before Christmas I have allowed them a few extra days to reply. Received one this morning stating that they were sorry for delay in replying and they are investiagating and will reply asap. I'm wondering whether I should now send second letter, stating that I willl take them to court if no action is taken from mse site. I must confess that I have found the simple layout on Mr Lewis's site easy to follow, but I love the idea of having back up and people to ask in this big scary bank battling world. Also, when I send the letter, do I then go on the moneyclaim site the same time or do I wait to see if the bank replies?

I know the answers are propbably out there somewhere, but brain is on over load at moment, battling the tax credit people too, which is just brain ache... so please be gentle!

Sugar:p

Hi because you are using two sites to help you with your claim this is making it much harder for people on here to help you, as we don’t know how the letters are worded. So you need to give as much detail as you can. As for LBA letter you should send it after the 14 days is up on the prelim letter, you then need to give the bank another 14 days before you submit your claim.

Also you only ask for the 8% interest at the court stage, you will need to send an up to date schedule of chargers showing the 8% interest when you submit your claim.

Hi Sugar Walsh and welcome back to CAG,

Hope all went well with the pregnancy.

Mbdiss is absolutely correct in everything she/he says about the interest and the letters.

Keep this thread updated and we can help you along the way.

Best wishes

Hi guys and thanks for your replies. My my, you are up late!

I sent my first letter (After receiving statements ages ago!), complete with upto date charges and interest of 8% to rbs. Although I know that we can not get the interest back until court time I figured it may be a bargaining tool, though after reading up again on this site I see that most people seem to get the lot back if it proceeds. Either way, I need the cash and will be happy to get the money back with or without the interest!

On Friday I received a letter saying that the bank are sorry for delay in replying and are looking into matters for me. I will now send the second letter from MSE which states disappoinment in not getting satisfactory reply and that if I do not get a reply in 7 days I will start court proceedings. The letter will be sent today, as I only have 9 weeks before this baby is due and my mind really turns to mush!

Once again, thanks for your replies and support, it really helps!

Sugar:p

Ps, just a quickie, I originally wrote to my branch for the money but reply received was from Sandy Watt, Customer Relations in Edinburgh. Do I continue with correspondance to my local branch or do I send to Edinburgh? Thanks, Sugar

Hi I would send it back to sandy watts. One question though it the letter you are sending today you LBA letter? If so you need to give them 14 days before you file a claim.

You need to be able to show to the court that you have given the bank a fair time to resolve the issue that you have with them. I really think that you are hurting your case by using the MSE site and this site at the same time. I know you some say need the money but if the bank think they can win they will drag it out as long as they can and by not playing the game by the rules you are helping them do this.

Hi, thanks for the advice. It will be a LBA, I've already written and given 14 days, as a prelim letter, but just to show my lovely nature I shall alter the LBA letter to say 14 days.

If only the banks were so lovely back!

Sugar:p

Surly that should be your sweet nature.

If they reply with an offer before the 14 days is up and it is not a full settlement then you can go straight to filing your claim.

Oh, so quick. Letter is now prepared for posting in the morning, to Sandy, along with amended 14 day action period.

Have you seen the new adverts, apparently rbos has the most satisfied customers. Do you think they perhaps asked those who have been refunded? HE He.

All that remains is to see how satisfied they can make me!

Cheers, Sugar:p

Just a quickie, sent lba yesterday, so 14 days and will proceed with action.

Yippee.

Sugar:p

Update:

I got offered full refund yesterday, with 8% interest! Will be returning letter of agreement tomorrow and hope to have £3174.00 in my bank account asap.

And all that before I had to take any action!

Yeah!!!!

Sugar:p

Well it certainly is new year, new bank balance now isn't it? And new baby too! Well done - I'm very pleased to hear of your success- with not too much of a battle. Nice one!

Thanks. I couldn't quite believe how easy it has been. I will be debt free (Apart from my mortgage) now and I can't wait. First time in years. And all with a new babe on the way, really feeling positive about life now.

Sugar:p

congrats suger:D

Hi mbdiss,

Thanks for your note. And good luck to everyone who is still in the process.

Sugar:p