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.
Just thought I'd keep a record of my dealings with RBS so far.
Sent off a SAR and received my statements just over a week ago, was expecting that the charges on my account that I would be looking to claim back would be around the £300 mark.
Was horrified when I sat last Monday and entered everything into a spreadsheet - even after deducting Royalties fees, the total of charges was actually closer to £1600 !
Needless to say I haven't wasted any time in sending off my second letter and yesterday I received what appears to be a standard reply from Sandy Watt saying that they were investigating and would contact me 'in due course', which seems to be a change from the '8 weeks' response that I've heard about.
Obviously, I'm not going to sit around waiting for them to get in touch, their 14 days is up next week at which point I'll be sending the lba.
Hi Ginger68,
I was shocked at the amount they owed me aswell thought it might be about 2000, when all added up 4500, i dealt direct with my local branch and had a full refund after my lba. So good luck
Well, got an offer yesterday from RBS of just over £1500.
As the original amount I expected to get was about £300, and the original amount claimed was £1600, rather than drag it out, I've decided to accept their offer.
Sent the letter accepting it off last night, obviously I lose the court fees, which I'm fine with, will not be cancelling the action until the money is in my
account though !
Ginger, if you have filed a court claim then you are entitled to an extra 8% on top of your already £1600. If you add this up and include the court fees, then I would think their offer of £1500 is well short of what you are entitled to! Unfortunately letter is already sent off, so guess there's not much you can do. Understand you reasoning (re £300) but it's still your money!!! Ah well........
If my post has been useful, tip my scales and let me know
...am aware of the interest etc, but my personal circumstances are a bit unusual at the moment.
My wife passed away about 4 weeks ago, and to be honest, yes, I could carry on with the court thing but at the minute I just don't have the heart to drag it out any longer. I'm lucky enough that I'm not desperate for the money either, but I always said to her going into this that if I got enough money out of the bank for a new telly and an Xbox360 then I'd be happy
Got the Xbox on Friday and the telly is being delivered this week, so I'm happy enough. Even better, I have a friend who reckons she's owed about £4000 in charges, so with the experience of this, I'm giving her a hand to claim those back.
Ginger68 vs. RBS
so far.
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