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    • How much of the documentation have you seen from when probate was obtained? And do you have a copy of the original will? I can't remember. My thought about you making the decision on your own to go with another lawyer is that three of you are meant to be beneficiaries of this will trust, aren't you? Normally you would need to act together. HB
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    • Hi guys, I am about to file my defence via email as cannot log in to the claim anymore.  Can you please advise if I can paste below and if it's good to go for now, or should I add anything else in?  Thanks!  The Defendant contends that the particulars of claim are vague and generic in nature which fails to comply with CPR 16.4.  The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.  1.  The Defendant is the recorded keeper of vehicle xxxx xxx.  2.  It is denied that the Defendant entered into a contract with the Claimant - Parking Eye LTD.  3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.   4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant.  5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.   6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
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    • Ooops - one to many also s..... my draft reply should read as:  Thank you for your response Mr Schnur  I set out my position quite clearly in my letter of claim and nothing has changed. Your insurance requirement is unlawful and is contrary to section 57 of the Consumer Rights Act, and also section 72 of the same statute. I would also refer you to the outcomes in PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729).  My deadline for action - 1 May 2024 - still stands, and if P2G wish to avoid the addition of court costs and interest to my claim, you may wish to respond positively before that date.
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Hi All,

Just new and starting off my claim against the Royal Bank of Scotland from scratch. Im just writing a letter to get my statement of charges for the past 6 years.

I plan to document my progress here in order to help any future claimant, e.g. learning from my possible mistakes and experience in pursuing the claim.

Anyway, onward and upwards as they say!!

 

Take Care.

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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Guest louis wu

Hello,

 

Best of luk with this, you've certainly come to the right place:).

 

Just a point of interest, do you have your statements, or are you requesting them?. I only ask because people are now begining to claim further back than 6 years. There is info on this, which if relevant to you, I can post a link for you to read.

 

Good luck

 

Louis

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Thanks for your support.

Ive written to request my charges/statements over the last 6 years in order to calculate how much I have been charged in total.

Ive a feeling it could run into a substantial amount. Ive already opened up a parachute account with the Alliance & Leicester should RBS play hard ball.

Anyway, the letter went off in the post this morning recorded so the clock is now ticking.. Let the games begin.:-)

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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  • 3 weeks later...

Ok , I received a battered brown envelope in the post today containing almost all of my last 6 years statements, some pages missing but not too many. I've spent all weekend going through them and totting up the charges.

So far in just adding the "Unpaid charges etc, not including the overdraft interest I calculated £4780.

I think I will make a preliminary claim for this amount only as I think they will drag their feet over this.

Where should I post the preliminary claim to? My branch or the head office?

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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Guest louis wu

Deso, why not add the O/D interest, it wont make them 'drag their heels' anymore or less, and I bet it adds up to a tidy sum. If your concerned about the £5000, then only claim £220 O/D interest, after all, its your money (people have claimed over £5000 and been sucessful you know).

 

If you want to claim it, but are having trouble working it out, let me know and we'll work through i.

 

Louis

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Thanks for your support Louis but Ive sent my prelim letter already and I will be quite contented if I get refunded the full amount.

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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Guest louis wu

Deso,

 

It doesn't matter that you've sent your prelim, you can still add O/D interest. Have a read of this, see if it makes sense, and consider seeing what difference it makes.

 

If you decide its not worth it, then so be it. But, it could be a couple of hundred pounds for a couple of hours work, and thats got to be worth at least looking at.

 

The principle of claiming O/D interest is this..

 

If you are £1000 o/d, and your charges total £1000, then you can claim ALL the interest charged that month.

 

If your charges total £500, then you can claim HALF your interest charged that month.

 

The way I done it was to have a running total of charges, and compared that to my current o/d (month by month). I worked out what % of my o/d was charges, and then claimed that % of my interest back. It’s a bit time consuming, but as it’s YOUR money, it’s worth it.

 

As I say, its not compulsery, but have a little look at how much it could be, If you need more help, let me know.

 

Whatever you decide, good luck

 

louis

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Thanks again Louis but Ill stick to my original claim, to be honest I cant be bothered trying to work it out because I had various o/draft levels and I cant remember when they came into force so I dont know exactly what I was paying over the odds. Im only claiming for bounced cheques and unpaid direct debits. Atleast I can argue that these charges cannot be deemed lawful as penalties as opposed to service charges for going overdrawn. In view of Lloyds latest victory.

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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Ive received this which I presume is the standard letter dated 17th May but arrived today (23rd).

 

Dear XXX

Thank you for your recent letter regarding charges applied to your account.

We are currently considering your claim and will respond to you as soon as possible.

Yours Sincerely

Sandy Watt

Customer Relations Support Unit

 

They have 7 days before I post my LBA. What are the chances I get a reply before then?

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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  • 2 weeks later...

Posted my LBA to the RBS yesterday. Im going down the FOS route so they have until 10th July to repay or refuse. After which Ill complain to the FOS

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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Interesting phonecall today, I was trying to sort out a couple of new charges that have been applied to my account. I phoned my branch and as soon as I mentioned the word charges I was given this number 0800 015 5035. The branch refused to discuss the matter so I called the number given and was connected to a lady dealing with charges claims.

I didnt even know they had a dept dealing with this, anyway I enquired how my claim was progressing and she said to expect an offer around the 12th of July.

I only wanted an explanation of charges that occurred on the last few days, but atleast its nice to know Ill be getting an offer soon.

Hopefully it will be for the full amount.:grin:

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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  • 1 month later...

Well not heard buckshee! Mind you the postal strike doesnt help!

Anyway, Im filling in the FOS complaint form and Ive decided to claim interest. Ive used the complex excel spreadsheet and came up with the following:

Charges - £4988 ( they have charged me again since my initial claim)

Interest - £822.81

Sub total- £5810.81

 

Can I also claim judicial interest of £2929.28 at this stage?

This would give me a total claim of £8740.09.

 

I would be grateful if anyone could check my figures as I wouldnt like to muck my claim up because of a miscalculation.

Any help mucho appreciated.

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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Hi Deso, with regards to adding debit interest at this stage.....if you were taking them to court, RBS could apply for your claim to be thrown out on the grounds that you are seen to be vexacious - i.e. adding additional amounts to your claim. Whilst you are going through the FOS, I'm not entirely sure how this would sit with them.....not sure if it makes a difference or not, just thought I'd make the point.

 

As for "judicial" interest, if by that you mean 8% statutory interest, then yes you should on the grounds that if you could afford to take them to court (that is the "story" I used) then you would be adding 8%.

 

If you want to see how my FOS claim is going, click on the Barclaycard link in my Signature.

  • Haha 1

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

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

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!!!

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Thanks for the reply T4FF. I think Ill just stick to the 8%.

Well, I received a reply from Ms Watt this morning offering £1458 as " a gesture of goodwill and without admission of liability or error".

Im looking for a polite way to tell them to stuff it as reading further down the letter she explains that "should I be unable to accept any future charges then they may need to consider if they are prepared to continue offering me my existing banking facilities, perhaps offering a simple account with no borrowing facility".

Veiled threat or what?

Never mind though because they dont know it yet but Im already moving to the A&L so bring it on!

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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There are rejection letters in the library.

 

This is a common response now, funnily enough I transferred to A&L shortly after receiving my payout too ;) I definitely made the right move. Amongst other things, they don't chase you for more credit (disguised as a customer review) like RBS did.

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

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

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!!!

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Now Im confused. I thought I had it all understood until i tried to use the excel spreadsheets to calculate the interest I could claim.

If someone could answer these questions for me I would be very grateful:

 

1) What is the Claim date? Is it the date of the first charge or the date of the first letter you send (pre-liminary)?

2) What is the date of service?

 

Im trying to claim 8% judicial interest that would be awarded if I claimed via the courts (bearing in mind Im in scotland).

Any help on how to work out these spreadsheets would be welcomed.

:???:

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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Deso are you aware that if you are claiming over £1500 in Scotland then you will need to appoint a lawyer to take your claim to court, if you haven't already done so may I suggest you ready this :-

 

http://www.consumeractiongroup.co.uk/forum/scotland/94302-updated-scottish-procedure.html

 

 

Have you actually rejected Sandy Watt's offer of £1548 but accepting only as a part of full claim using Letter 1 on here?

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

If you have I suggest you hold fire until you receive another offer from RBS as this seems to be the normal pattern they follow, offer part of claim to see if they get a bite then offer full amount if that is rejected.

 

Unless you're determined to get the interest, which normally means going to court, you should accept your full claim if offered.

 

The above is only from my own experience and you may wish to follow your own way.

“It's not personal, Sonny. It's strictly business.”

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Hi Yanni,

 

Im going down the FOS route so im not going through the courts (unless i have to!).

Ive rejected Sandy Watts offer using the appropriate letter.Im just trying to get my FOS claim together incase the RBS drag their heels.

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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Hi Deso, just to let you know, I've gone down the FOS route and am quite a bit through the process so you can have a read about what I've done so far in my Barclaycard thread. If you go up to post #14, there's a link to it in my signature.

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

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

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!!!

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Thanks T4FF Ill have a read.

I received this letter form Sandy Watt today. I take it this is a standard letter?

 

Dear Mr xxxx,

Thank you for your recent letter declining our gesture of goodwill concerning charges applied to your account xxxxxxxx/xxxxxx.

We are currently examining your claim in more depth and will respond to you as soon as possible.

Yours sincerely

Sandy Watt.

 

How much time would be reasonable before contacting FOS? I had stated in my letter I would give them 7 days to respond (which they have done) So do you think I should press on and contact the FOS?

Any help greatly appreciated.

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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You can't really go to FOS until you have a final letter from the bank or unless they (i.e., the bank) are over the 8 week limit in dealing with your case.

 

I'd hold back a week or 2 yet.

“It's not personal, Sonny. It's strictly business.”

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Hi Yanni,

The bank have been dealing with my claim for over 10 weeks now. Ive already rejected their "goodwill gesture" of 30% of my claim and given them 7 days to respond with another offer. Im pretty sure they are stalling now, Im just asking if this is typical of RBS.

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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Not in my experience as regards claiming my charges back, first asked for them on 10th May and was paid full amount of my claim on 4th July after initially being offered about 73% on 4th June, just under 8 weeks.

 

I do have another complaint with RBS which will be a year old on 1st Aug but that is now with FOS.

 

If you've been waiting 10 weeks I would proceed to FOS altho they are also inundated with stuff but get your claim off to them:-

 

our complaints procedure and how to complain

 

and let Sandy know by letter backed up by email if you want.

“It's not personal, Sonny. It's strictly business.”

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Thanks for the info Yanni, Much appreciated.

27th April - Requested Statements

13th May - Received Statements:D

15th May - Preliminary request for £4780 sent.:D

16th May - Royal Mail confirm Letter received.:D

23rd May - Received Letter considering claim. :grin:

30th May - Letter Before Action sent. :D

10th July - Times Up!! FOS claim going in.

16th July - Measly 30% of claim offered as goodwill

17th July - Rejected offer letter sent

25th July - Acknowledgement of Reject Letter received

26th July - Screwed over by the OFT,Banks, FSA & FOS all in one go.:evil:

Never even felt it happen.

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