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)


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  1. 15th February 2007 10:28 #1
    domflanuk domflanuk is offline
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    Default Domflanuk vs RBOS

    Prelim sent 14th Feb
    Will follow up on 1st March with lbaicon
    Claimed charges only - not interest on overdrafticon
    They owe me £230, not much i know but still its better off in my pocket than theirs

    Will update when i hear back!

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  2. 15th February 2007 10:30 #2
    livelylad livelylad is offline
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    Default Re: Domflanuk vs RBOS

    Quote Originally Posted by domflanuk View Post
    Prelim sent 14th Feb
    Will follow up on 1st March with lbaicon
    Claimed charges only - not interest on overdrafticon
    They owe me £230, not much i know but still its better off in my pocket than theirs

    Will update when i hear back!
    Exactly its your cash.






    I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.
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  3. 26th February 2007 10:34 #3
    domflanuk domflanuk is offline
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    Default Re: Domflanuk vs RBOS

    Still no reply from prelim letter, i read on the CAGicon newsletter that RBSicon are paying most cases before court stage to save legal fees, hope thats true, lbaicon date is in 3 days!
    Since sending my claim i have been charged £38 on an account for going £1.78 unauthorised overdrafticon! How they can claim that is fair i just dont know!? I can feel another claim coming on soon!

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  4. 26th February 2007 13:58 #4
    missm missm is offline
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    Default Re: Domflanuk vs RBOS

    You can add it to your schedule of charges and just amend the amount claimed when you send your lbaicon.

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  5. 26th February 2007 14:05 #5
    livelylad livelylad is offline
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    Default Re: Domflanuk vs RBOS

    You can add the charges upto filing the claim, once you file the claim you will need to submit a N244icon to amend the claim at a cost of £35 which you can not reclaim. So I suggest if you do have any charges after filing your claim you issue a second claim on completion of your first claim.






    I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.
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  6. 1st March 2007 10:58 #6
    domflanuk domflanuk is offline
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    Default Re: Domflanuk vs RBOS

    I am sending lbaicon today, i have amended my schedule to include the new charge and amended my letter as necessary, is there any particular person i should address to or just customer relations dept???

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  7. 1st March 2007 11:15 #7
    isidore isidore is offline
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    Default Re: Domflanuk vs RBOS

    Doesn't really matter, just CR dept. It'll get to the right place. The mailroom will probably have a conveyor belt running to the right department by now lmao!!!!

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!
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  8. 1st March 2007 11:21 #8
    domflanuk domflanuk is offline
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    Default Re: Domflanuk vs RBOS

    I read a mention of a guy called Mr Mclean???

    I will send my letter this afternoon, any advice before then would be appreciated

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  9. 1st March 2007 11:35 #9
    isidore isidore is offline
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    Default Re: Domflanuk vs RBOS

    Tommy. Well he's the main guy, yes you can send it to him. Makes no difference really. It probably won't be looked at by him directly anyway. I don't know. It's not really a big issue tbh.

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!
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  10. 1st March 2007 11:45 #10
    domflanuk domflanuk is offline
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    Default Re: Domflanuk vs RBOS

    The address i originally sent prelim letter to was

    RBSicon PLC
    Cust Relations
    Freepost PO BOX 1727
    Edinburgh
    EH12 9JN


    However the address in the contact details section shows

    ROYAL Bank of Scotlandicon PLC
     36 ST ANDREW SQUARE
     EDINBURGH
     EH2 2YB

    Which address have people found to be responsive?

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  11. 1st March 2007 12:10 #11
    isidore isidore is offline
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    Default Re: Domflanuk vs RBOS

    I think the registered address is the one you use when filing your claim. All of my letters went to the Customer Relations address.

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!
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  12. 1st March 2007 15:02 #12
    domflanuk domflanuk is offline
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    Default Re: Domflanuk vs RBOS

    1st March 07
    lbaicon sent by recorded delivery at 13:30pm

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  13. 2nd March 2007 12:38 #13
    domflanuk domflanuk is offline
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    Default Re: Domflanuk vs RBOS

    Checked Royal Mail website, letter has been signed for

    Strike 2!!!

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  14. 5th March 2007 10:18 #14
    domflanuk domflanuk is offline
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    Default Re: Domflanuk vs RBOS

    Letter received in response to prelim saturday 5th March
    Settled - Full and finalicon £230
    That must be a record time?
    Well chuffed!!!!


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  15. 5th March 2007 12:35 #15
    matt-man matt-man is offline
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    Default Re: Domflanuk vs RBOS

    Hi Domflanuk

    I sent off my prem letter to them on 21st Feb and i too recieved settlement offer this morning for full amount, mine was only £304 so it looks like they are paying these out in double quick time at the moment!
    Matt

    19/02: S.A.R - (Subject Access Request) sent to A & L
    20/02 S.A.R - (Subject Access Request) sent to HBoS
    20/02 SAR sent to Capital One
    21/02 Prem letter sent to RBS for £304
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  16. 5th March 2007 13:26 #16
    domflanuk domflanuk is offline
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    Default Re: Domflanuk vs RBOS

    Thats good news for anyone making claims with RBOS, maybe they will fight harder on larger amounts but i am amazed at how quickly they are paying out

    Congrats

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