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.
My letter outling the details of penalties, and giving 14 days notice before taking bank to court, was received by RBS on 23/03. I chased it up today to be told that it can take up to eight weeks for them to process and settle these compensation claims and when I mentioned 'courts', I was told quite bluntly to "go ahead"; so I did.
I later rang the RBS to tell them I'd calculated the charges, plus interest and it was greatly increased and I was very disappointed with the customer service and this woman, who was much nicer than the previous person I spoke to, told me that my claim is being dealt with as we speak and I should hear something withing 4-6 weeks!! Is this right? I told her that I've already put the claim through to the courts and she said I should cancel and wait because they are entitled to up to eight weeks processing time. What do you think?
Re: Spoke to the RBS - I don't know what to do now!
I think people should stop ringing the banks and getting themselves confused.
The banks are only entitled to 28 days by virtue of the fact that theres a bit of court guidance that says it is reasonable to give them 28 days notice before filing a claim.
If they fail to respond to the prelim and lab letters then file at court, add Sec 69 interest if you haven't asked for contractual interest, also add your costs based on the fact that they have been unreasonable.
if they fail to respond to prelim and lba with anything other than standard fob off letters then they are IMHO being unreasonable, if you don't think your time and effort is something you want to argue over when it comes to negotiating settlement you can always drop it.
JMHO
Glenn
Kick the shAbbey Habit
Where were you? Next time please
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
Re: Spoke to the RBS - I don't know what to do now!
Have to agree. The guide on this site is far more truthful than anything the bank is going to tell you. They said your charges were fair, so why should you believe them when they say you have to wait 8 weeks?
Incidentally, if you sent your lba on 23/02 (I guess you mean feb?), then you are outside of your own deadline so you are right to have already filed your court claim.
Continue as you are, head over to the FAQ forum and the Guidance notes and get up to speed on filing your court claim.
If my post has been useful, tip my scales and let me know
Spoke to the RBS - I don't know what to do now!
on 23/03. I chased it up today to be told that it can take up to eight weeks for them to process and settle these compensation claims and when I mentioned 'courts', I was told quite bluntly to "go ahead"; so I did.
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