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)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
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  1. #1
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    Default Cheakychops v Royal Bank of Scotland

    Ive just recieved my bank statements they took 2wks..im quiet shocked ive total it all up and it comes to £3640.55 in charges and £522.01 in intrest making a total of £4162.56 so now ive printed letter number 2 out do i make the claim for the full amount with the intrest or just the charges?? do i also send the letter to the freepost head office again or to my local branch?
    many thanks


  2. #2
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    Default Re: Me V's BOS

    Add the interesticon at this stage only if you intend to claim Contractual, or Interest charged on overdrafts directly attributable to charges.

    If the interest you are referring to is the Statutory 8% 'Judicial' interest then this should be omitted until court stages.

    Don't know what address you used to start with, so can't comment.


  3. #3
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    Default Re: Me V's BOS

    thanks ive found the address now ive just printed template letter 2 off and just gonna go post it now.Wish me luck.


  4. #4
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    Default Re: Me V's BOS

    Don't need luck, just the patience of Job. ;0)


  5. #5
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    Default Re: Me V's BOS

    Ive not got alot of that anyway ive done it now so 14 days and counting.


  6. #6
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    Default Re: Me V's BOS

    Is your bank the Royal Bank of Scotlandicon or Bank of Scotland?






    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.

  7. #7
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    Exclamation Few questions

    Right i got my bank statements last sat and sent my 2nd letter off the same day asking for my amount back..do you wait 14 days for this then what happens?? do they make you an offer after this letter or do i prepare letter number 3 to be sent off
    also how do you do your signitures? i cant find it.


  8. #8
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    Default Re: Me V's BOS

    Threads merged - please stick to one thread.

    Your signatureicon can be changed via your User CP (link at top of forum).

    The other questions are very basic and you need to read the FAQs and step-by-step instructions thoroughly. In fact, you should have done this before even sending the first letter.

    Finally, your title says Bank of Scotlandicon, but you have posted in Royal Bank of Scotlandicon forum - which is correct?

    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.


    "Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)



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  9. #9
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    Default Re: Me V's BOS

    yeh sorry im with the royal Bank of Scotlandicon thank you and sorry.


  10. #10
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    Default Re: Cheakychops v Royal Bank of Scotland

    No news from the 2nd letter so just getting ready to post the lbaicon another 14days here we go..


  11. #11
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    Default Re: Cheakychops v Royal Bank of Scotland

    I got response this morning from the 2nd letter it just says they are looking into my claim and will be in touch soon.Ive already sent the lbaicon yesterday so what do i do just wait untill the 14 days of the LBA or just leave it with them


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    Default Re: Cheakychops v Royal Bank of Scotland

    Quote Originally Posted by Cheakychops View Post
    I got response this morning from the 2nd letter it just says they are looking into my claim and will be in touch soon.Ive already sent the lbaicon yesterday so what do i do just wait untill the 14 days of the LBA or just leave it with them
    Pretty sure you just stick to your schedule and don't let their delaying tactics affect you. Dig your heels in mate, it's your money they've stolen from you...

    The Pigeon vs RBoS
    03/04/07 - Prelim letter sent requesting £765
    12/04/07 - Acknowledgement of letter - "We are considering your claim".

    http://www.consumeractiongroup.co.uk...tml#post724228

  13. #13
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    Default Re: Cheakychops v Royal Bank of Scotland

    Thanks


  14. #14
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    Default Re: Cheakychops v Royal Bank of Scotland

    CC, you have 14 days now before you need to file a claim in the courts (assuming you don't get offered a settlement in between). If you haven't got much patience, I'd advise you to wile the hours away reading through the court process NOW rather than asking lots of questions once you have filed.

    Hopefully you will see the benefit from doing the time now and getting yourself prepared. You are, after all, taking on a quite a large company....

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

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    Default Re: Cheakychops v Royal Bank of Scotland

    Ok thanks for that.


  16. #16
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    Default Re: Cheakychops v Royal Bank of Scotland

    Ive just recieved this 8 days after the lbaicon was sent how long do i give them now?? do i still give them the full 14 days then would you email them? or would you email them and tell them they got till the 14 day deadline
    here the letter

    ETA; taken out it was huge


  17. #17
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    Default Re: Cheakychops v Royal Bank of Scotland

    Cant rezise it sorry x


  18. #18
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    Default Re: Cheakychops v Royal Bank of Scotland

    Lol!!!

    You could have typed it!! There's not much to write

    Just wait until the 14 days are up, no need to respond.


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    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!!!

  19. #19
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    Default Re: Cheakychops v Royal Bank of Scotland

    Oh right ok then roll on wed..they better answer.


  20. #20
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    Default Re: Cheakychops v Royal Bank of Scotland

    Still no news im getting scared now any advice you peeps can offer me for the next stage im just filling in the money claim forms ready
    many thanks for any advice please

    also where do you send the court claim the only adress i have is retail support where sandy is



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