Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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Thread: lolaj vs RBoS

  1. #1
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    Default lolaj vs RBoS

    After reading as much as I can, am going to go ahead and start my claim...my question is, I have most of my bank statements already, except a couple of pages, should I skip the S.A.R - (Subject access requesticon) letter and go straight to sending my first letter requesting the charges to be refunded(together with my schedule of charges), or should I send the SARicon letter first?
    Thanks everyone.


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  2. #2
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    Default Re: lolaj vs RBoS

    Have a look at the bank statements you have. Lots of the charges come out on a certain day and it is often the same each month. So if some of the missing statements include this date - get them! Also - you will see that there will be referral charges on certain months - if there are high charges at the end of that month / start of preceeding month then it would imply that the reason for the referral etc must be around somewhere - check to see if any missing pages might include those.

    I'd say it is worth the extra days to get it all together - you want to look organised and so on in the claim. You don't want to miss anything! Eg - I called the bank and complained sometimes and had certain charges refunded. The refud didn't appear on same day as charge, of course. So I would have looked like a fool if I'd tried to recliam that and then found I was missing the page that showed I'd been refunded anyway!

    I found that by calling phone banking and just asking for statements, they arrived v fast - it cost me £5.

    7-11-06 Requested statements from bank
    11-11-06 Statements received
    3-2-07 Finally send letter demanding repayment of £1,993.81
    8-2-07 received first bog off letter - 'sorry to hear you are dissatisfied - passing you to customer services...'
    21-3-07 letter ofering full refund of charges (£1037) less the contractual interest. As have NOT filed to court yet, am accepting payment of charges.

  3. #3
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    Default Re: lolaj vs RBoS

    Thanks Furzle
    I shall use the SARicon letter template and send it on Monday..so nerve racking..but hey, here goes!

    Thanks again for your help-will keep you posted.


  4. #4
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    furzle Novitiate

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    Default Re: lolaj vs RBoS

    Good luck! It took me ages to get going once I finally got my statements - I got the letter off this week in the end. Now the waiting game begins...

    I look forward to hearing how you get on!

    7-11-06 Requested statements from bank
    11-11-06 Statements received
    3-2-07 Finally send letter demanding repayment of £1,993.81
    8-2-07 received first bog off letter - 'sorry to hear you are dissatisfied - passing you to customer services...'
    21-3-07 letter ofering full refund of charges (£1037) less the contractual interest. As have NOT filed to court yet, am accepting payment of charges.

  5. #5
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    lolaj Novitiate

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    Default Re: lolaj vs RBoS

    And good luck to you Furzle..let's hope we don't need it!



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