Hi I was made redundant last year and received a redundancy payment which I have since spent. I am now trying to claim Housing and council tax benefit. The Office have now sent me a letter demanding that I produce bank statements and dated receipts for whatever I spent the money on. I received the payment in July last year and did not claim benefit until November, they have stopped all my housing and CT benefits until this information is given to them. I need to know if they can do this as this money was received and spent prior to any claims that i am making?

Hi I have received a letter from Lowell Portfolio 1 and Red saying that they have bought a debt from Vodaphone for £201.25 for a mobile phone i used to have. I sent a letter to Red asking for a copy of the CCA but they have returned my postal order and are saying that the balance requested for payment is a service agreement and not a credit agreement as defined by the Consumer Credit Act 1974. The Bill is made out as follows Call Charges / Line rental...........£136.91 Early termination fe...................£64.34 I am sure that this payment was made to vodaphone but have no record to prove it. Any assistance on this would be appreciated. Thanks

Small Claims action for £742 lodged with Glasgow Sheriff Court 29/08/06 Letter offering £1846 for Full and Final Settlement Received 02/09/06 Letter from Mr Tommy McLean offering £1846 recieved returned thanking him but informing him I want it all and will continue with court action until settled in full.

Hi just a quick question I am claiming in Scotland for the amount of £742 (1st claim) when I add the interest and £10 SAR fee and £39 Court costs it come to £1047.68 is it still ok to go via the small claims procedure.

Have now completed Forms 1a and 1b will be handing them in to Court on Tuesday. Anyone else at this stage?

Can we please have a separate thread soley for the Royal Bank of Scotland, this would make i a lot easier for us to follow and improve the passage of information, does anyone else feel this would be better.

Hi phoned RBS ref historical statement charge of £5 on my account told it would be credited back to me also i was informed that they only hold 6 years worth of statements, is this correct??

Hi I am at the LBA stage (sent Mon 31st July ) still got seven days to go before time expires,

Hi Folks got my statements today can someone help me I need some guidance on what I can reclaim back got all my default charges ok but unsure about monthly charges on the account with no description. HELP thanks

Still no statements form RBoS LBA giving 7 days for info went in today

The 17th July came and went still no response from RBoS have now completed the LBA giving further 7 days for release of the info or will take them to court this will be issued on Monday 24th July

Thanks for the speedy reply. Bring on the 17th

Hi Guys, Firstly can I say a big hello to all Glaswegians, fellow Scotsmen and our English Friends and secondly thanks to all who have so far contibuted to this forum, fascinating reading if ever there was, so much so I have been spurned into action myself against the RBoS. I put in the letter requesting all charges against my account since 2000 on the 7th June 2006, the cheque was cashed on the 15th June 2006. Now can someone clarify the 40 day response is it 40 working days or 40 calender days, I need this clarified asap please, as the date if 40 calender days is 17th July 2006.I will keep you all posted on my joust with the RBos