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Today I submitted my claim - total claimed £1385.13.
To give a bit of history, my experience with RBS has been a total shambles and I suspected that the same shambles would ensue upon my requests for refunds of the unlawful charges.
As such they have failed to respond to any letter I sent.
I sent my preliminary letter 27th March 2006. No response.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Further to my previous posts, my claim was actually submitted on 22nd May 2006, meaning the bank had until 19th June to submit a defence.
Surprise surprise I received in the post on Saturday a defence from Cobbetts - having read a few other threads here it seems to be a standard defence. They have put in a CPR18 request for information.
I am putting a response together today along the lines of that I anticipate the claim will be allocated the the small claims track and therefore I will not be answering the part 18 request. However I will, as an act of good faith, provide them with the account details and list of charges with relevant dates.
"I note from your recent correspondence that you have requested further information from me under Part 18 of the CPR.
I must advise you that Part 18 has no relevance to Small Claims procedures and, as such, I consider that the inquiry is intimidatory and I intend to bring this matter to the notice of the court, should my case proceed that far.
Further, I shall notify the Law Society with a view to possible retraining.
As a gesture of goodwill and in the interests of concluding my claim, I have enclosed a Breakdown of the charges imposed, their value and the interest being claimed on each charge."
..
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
DougWUK vs RBOS - Defence Received!
has been a total shambles and I suspected that the same shambles would ensue upon my requests for refunds of the unlawful charges.
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