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.
I managed to start the thread.
Request has been delivered I have to check aiagn tomorrow with Royal Mail. Then I suppose its countdown to forty days.
I am quiet sure that they owe me a large amount due to my going over my overdraft a lot of times, but hopefully I will recover the amount in an amicable way with them.
I will keep the progress posted.
The Subject access request has been delivered by recorded delivery and I have noted the date is 23rd April when the 40 days are up. My fingers are crossed. I'll check on the £10 postal order later in the week.
I had the Subject Access Letter returned ripped at one side and a letter telling me that "From the information provided, it is not possible to trace the account requested. Natwest (RBS) uses only numeric code for the idetifcation of accounts and without a valid account number and sort code we are unable to locate a closed or open account. Please let us know your sort code or branch name and account numberand the dates when your account was opened and closed."
I have phoned my branch and they gave me the information with regard to the acccount opening I have now re-sent the request and again by recorded delivery.
I have recieved my statements dated from 2001.
I was amazed at the information that I have ignored in the past with regard to charges. Some direct debits unpaid for an amount of £0.99 and they charged me £30 or £38.
I have reckoned the charges up and they come to £5018.00 without the interest charges if I add them the total is £5116.44
I am now going to get the letter off to them to claim it back.
Just another update.
I have sent my claim for my money back the total was £5088.43 after studying the statements.
I have also included the itemised charges of the statements so they will not have to send me a letter asking me to itemise them and play for time. it has been sent recorded too.
I am worried though that they are going to find a loop hole and I'm going to lose, just my luck.
Yes I know that I cant go through the small claims court. I think I made an error and the total amount is just udner £5000.
They are bankers (and I did say bankers) they will add up and tell me how much I reckon and it will probably be just under £5000.00
Thanks for the advice.
I will be making a donation to this group if I get paid out.
I have now sent the letter before action to RBS. I have also amended the amount to £4998 as the interest charges took the amount over by about £50
They have until 23rd May to reply after that I take it I start my court action.
How do I calculate the interest and what exaclty will be the amount of interest in days I put on the court forms?
Ok Thanks for that. Just thought it may have been the other way round. They have until next week to reply with an offer then I take them to court.
I'll let you know how I get on.
hi, ive also sent my second letter and they have until this friday 18th to reply till i small claims there ass. im fed up of excuses off them i just want my money back!!! and whats the deal with them and this 8 weeks nonsense? i cant wait to do them over and get what im owed, then leave that crappy bank for good.
Upto now they have not replied to my second letter. They have until next Tuesday then I start court action. Would it be better to go the court and deliver the form and if there is any problem it can be dealt with then in the court office rather than send by post?
Upto now they have not replied to my second letter. They have until next Tuesday then I start court action. Would it be better to go the court and deliver the form and if there is any problem it can be dealt with then in the court office rather than send by post?
it can all be done online now and apparently it is easy to do. ill have a look tomorrow when i do mine and get back to you mate.
Well upto now it looks for certain that I am going to court as I have had no reply. I read the Lloyds victory, but I am not put off. All I want is what they took off me paying back no more. I'll let you know how it goes.
Royal Bank of Scotland **won**
by recorded delivery.
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Originally Posted by todd390
