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.

I sent my LBA 29th April 2006. No response!

Therefore today was the day I took it legal - lets see if they respond to this.

I suspect they just might

Well done so far, your timetable, your money!

Good luck

Update:

They acknowledged my claim on 23rd May.

So now they have until 14th June to enter a defence.

Good stuff.... sit tight.

Update and Progress Report.

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.

General thoughts?

Doug

Spot on about the Part 18.

In your response to them, add;

"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."

Excellent! Thank you very much.

Especially liking the line about advising the law society about retraining!

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