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.
HIYA ALL, i have just successfully won against Barclays,
now i'm after RBS for moh
i have sent the first letter and when thier deadline was up, got moh to give them a call they said they actually have 8 weeeks to reply mmmm, are these as good at stalling as barclays,
anyway had my eye off the ball for a while with rbs as it was getting close n scarey with barclays so now rbs are going to get the lba posted tommorow, just wondered if anyone else on here had the same response,and if there are any little games rbs play that i should be aware of. thanx
looking again at my statements they are a bit confusing as to what to calim for eg
i have an unpaid item = £30.00
then
int to 04Apr a/c ......= £10.32
then
chg to 02 APR a/c.....=£30.00
then
chg to 02 APR a/c .....=£9.90
now i know i can claim the first one as this is an unpaid item but which of the others can i claim back, as these occur once every month in that order, a bit confused
been reading other threads about what to claim back from RBS charges and i think i am now even more confused..
banks say their charges are open and transparent....!.my eye...!!
think i am going to give em a call n ask if they want to settle now with just normal dd charges ref fees etc or they want to crack on and i will claim back everything i can n see what happens, surely cant do any harm, already got court bundles ready from Barclays claimthisone just getting me so frustrated i know i have to get this bit right then its all plain sailing, followng time scales n letters...
thanks stevokenevo, i got tottally confused adn was going to phone n say i would be happy with just the referral fees now i know what to go for look out RBS here i come. you lot on here are brill.
hiya all, 0n 26th april recieved letter from RBS saying the usual sorry to hear blah blah, we are looking into you complaint blah blah, will hear from us soon. Not the most patient person gave them a call and they said they have 8 weeks to respond (as my first post).
any way counted it up and feeling 8 weeks slightly excesive i decided to give them a call this morning it is week 7 so felt i had been more than patient ( mostly durc due to finishing and spending Barclays claim HAHA)
the up shot is spoke to a lady called to jo who again sed 8 weeks blah i told her we were on weeek 7 she said there will be an settle ment offer in the post to reach us by nxt tuesday i fi i have nor got it by then to call them back
sorry about errors on page my delete button stopped working....
so now we wait n see, anyone else had this should i expect usual bank tactics.... ie not recieving a letter or, recieving a piffling amount...
anyway will get my next letter ready just in case..
Well done with Barclays! I'm waiting for them to Ack my claim at the mo, tick tock, tick tock.
Anyway, I've sent off my prelim and lba letter to RBS and have received the standard letter back from Sandy Watt. I'm about to send off my N1 - do you think it is worth a shot ringing them before hand? It would save them alot in interest and the court fee - but I get the impression that Sandy Watt is holding out to the last minute like Barclays.
Incidentally, you only need to wait the 8 weeks if you are intending to use the Financial Ombudsman to get your funds back for you, if your intent is to use the court system then don't wait any time period the bank tells you. Only wait the 14 days between letters.
14 day is considered to be a reasonable time by the courts. If you don't stick to the timetable YOU dictate then the bank will just delay and stall as much as they can.
I will be sending off my Letter to the fos this Friday if I haven't heard from RBS aka Sandy Watt. I haven't called them but have emailed him last week to see what the progress of my claim was and the response I got was:
Dear Miss Lush
Thank you for your e-mail.
Having checked our database, we received your claim here on 3 May 2007, with
an acknowledgement letter issued to you, on 7 May.
Against that background, we will issue our response within the 8 week period
from the date of receipt of your claim.
Regards
Sandy watt
I have had absolutely no communication from him since and so the next phase is about to begin....remember to keep to the timetable you have set yourself and if you think it'll help then give them a call!!!
whilst persuing Barclays i used to get really nervous about making a phone call to them. my advice to anyone wondering wether to or not is just go for it, make sure you have all dates and sums owing letters sent/ recieved in front of you take the bull by the horns and give em a call ( they are only people working in an office at the end of the day ) whats the worse they can say to you, the way i see it is whilst you keep calling it gives them the clear message you are not just gonna shut up, curl up n go away......
Thanks for your reply mr hamster, i wish i had known that sooner i would probably have got them by now anyway not to worry, if it does go to court ( if they dare !) i will be using your snippit of information to point out to the court that i have been more than patient with the bank.
Think i will send my lba tommorrow n see if it rattles a few cages before i recieve my settlement offer. Cant do any harm let them know i am serious
hi there kiff, on the Barclays ack bit, they waited till the Very last minute with me, dunno how long you have been after barclays but personally when i got that far i wanted em to take me to court, the extra 8% was really worth the wait for me and the cheque was all the sweeter..... . i waited until i had the court date till i called em....
Hi Muggles, I was also told 8 weeks by RBS, after nearly 10 weeks a letter offering about 10% (if you include the interst owed) so although I was awaiting offer on my other account I now have two RBS accounts in the court process. Incidentally I have had every penny owed by Lloyds after court action started. Dont let them believe they are in control, you are owed this money and they have acted illegally. Good luck!
Thanks barney i am onto them now, this site is brill just like going to the gym if you do it with a friend you are more likley to go cos when you dont want to theres always someone there to push you on again...
thanx all, carrying on with renewd gusto.....
watch this space....
hiya all just recieved a rather nice offer from RBS in the post this morning, but they are saying it wil be paid straight into the account...( this account was closed by them about 3 years ago) the over draft which we owed them has since beeen passed on to collectors. Do they seriously not check these things before getting in touch. i am going to give them a call later this week as i posted my lba on Sat morning and recieved their offer letter sat afternoon. so as they have crossed in the post i will give em a couple of days to think about it. not sure if we will accept the offer yet i say go for the throat as i did with Barclays but this is moh so will have to have a chat first. keep ya posted.
p.s to last post the offer is about £800 short as they are saying this amount excludes any packaged account fees eg royalties gold etc ( which i didnt claim for anyway) or interest paid then the usual letter everyone gets
hello muggles
I received an offer from RBS which i'm happywith, the settlement figure that is,they want to pay it into our account which we thought was closed cause the overdraft went to a collection agency do you know if we can insist on a cheque which is what we would really like
cheers
Rbs I'm Coming To Getcha!!!
,
Reply With Quote
. i waited until i had the court date till i called em....
HI HO HI HO ITS OFF TO THE P.O I GO......