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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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My Mum Vs RBS


reka
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I thought i should start a new thread on here. My mum has asked if i can help her to reclaim her charges. She has provided me with an almost full list of statements going back to 1990. (she used to be a teacher and is organised...a gene i missed).

 

Looking through her statements in the early days, i notice very few charges for DD's etc. But there are charges that say eg

 

"chg to 29 Nov" and "Int to 23 Dec"... and therein lies my problem/confusion.

 

I am assuming that "Chg to" is for unauthorised interest....but i don't want to assume. "Int to" i assume is interest (i think you call it contractual interest.

 

If i am correct in my above assumptions, am i able to claim for the unauthorised interest? The reason i ask is that these charges were taken out every month at varying amounts and will mount up to alot of money that will help her out alot.

 

If she can claim the unauthorised interest back, will that be at the 8% (if it goes to N1 stage) or can she claim at a higher rate (equal to the rate they charged)

 

Any help/pointers will be massively appreciated! (i feel lost on this one totally)

[FONT=Tahoma][SIZE=4][COLOR=blue]Reka [/COLOR][/SIZE][/FONT] [FONT=Tahoma][SIZE=4][COLOR=blue][URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/93120-reka-abbey-court.html[/URL][/COLOR][/SIZE][/FONT] [URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/101308-t-cs-nov-1998-a.html[/URL] [FONT=Tahoma][SIZE=4]Abbey *WON IN COURT* £2775[/SIZE][SIZE=1](awaiting payment) [/SIZE][/FONT] [B][FONT=Tahoma]Warrant of Execution filed 22/06/07[/FONT][/B] [B][FONT=Tahoma]***Warrant Issued 22nd June 2007***[/FONT][/B] [B][FONT=Tahoma][COLOR=red]PAID IN FULL [/COLOR][/FONT][/B] [URL]http://www.youtube.com/watch?v=XcAaoRr8H5c[/URL]

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Royalties accounts? It was a personal account, sorry if i am being thick just i have never heard of them. As there were 2 interest payments taken each month, i asumed one was for unauthorised OD, and thought you can claim that back?

 

Arrgghhhh, i was expecting to get it confirmed that they are for unauthorised OD and was going to ask how i claim them, and at what rate...hmmmmmmm. Thnx for helping anyway

[FONT=Tahoma][SIZE=4][COLOR=blue]Reka [/COLOR][/SIZE][/FONT] [FONT=Tahoma][SIZE=4][COLOR=blue][URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/93120-reka-abbey-court.html[/URL][/COLOR][/SIZE][/FONT] [URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/101308-t-cs-nov-1998-a.html[/URL] [FONT=Tahoma][SIZE=4]Abbey *WON IN COURT* £2775[/SIZE][SIZE=1](awaiting payment) [/SIZE][/FONT] [B][FONT=Tahoma]Warrant of Execution filed 22/06/07[/FONT][/B] [B][FONT=Tahoma]***Warrant Issued 22nd June 2007***[/FONT][/B] [B][FONT=Tahoma][COLOR=red]PAID IN FULL [/COLOR][/FONT][/B] [URL]http://www.youtube.com/watch?v=XcAaoRr8H5c[/URL]

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Royalties (and Royalties Gold) are personal current accounts whereby you pay £10 (the sum has varied over time) per month for all sorts of extras like commission free currency exchange etc.

 

Normally when RBoS charge for things like unauthorised overdrafts they use a blanket title like "maintenance charge".

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In the top left of the statement under the account holder's name it should state what kind of account it is - "INTEREST PAYING CURRENT ACCOUNT" or ROYALTIES GOLD ACCOUNT" or whatever.

 

Currently the monthly charges or "monthly membership fees" as they are known as, paid on Royalties accounts are :-

 

Royalties Premier = £15

Royalties Gold = £12

Royalties = £6

 

these appear on the statement as "CHG" - these are not claimable to be returned as "penalty" charges as they are a fee for the service of commission free currency excahnge etc.

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

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The "Chgs to" bit I think applies to all charges applied during a particular month e.g. exceeding overdraft limit.

I claimed these back on my schedule of charges and got reimbursed no problem.

Good luck.

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The "Chgs to" bit I think applies to all charges applied during a particular month e.g. exceeding overdraft limit.

I claimed these back on my schedule of charges and got reimbursed no problem.

Good luck.

 

Yea lots of things come under "CHG" but service fees are not normally reclaimable - this was the reason I believe that the Berwick v Lloyds case failed as he tried to claim service fees as well as "penalty" charges - if you got them back you were lucky I'd say:)

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

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Thanks for helping all, i have my mums statements in front of me. All the statements state "Current Account" and one print out states "Personal Current". So am i to take it that it is not a "Royalties" Account?

 

Sorry about this, i am just very confussed as to why it shows 2 interest charges every month, and never for the same amount. And if they are claimable.

[FONT=Tahoma][SIZE=4][COLOR=blue]Reka [/COLOR][/SIZE][/FONT] [FONT=Tahoma][SIZE=4][COLOR=blue][URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/93120-reka-abbey-court.html[/URL][/COLOR][/SIZE][/FONT] [URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/101308-t-cs-nov-1998-a.html[/URL] [FONT=Tahoma][SIZE=4]Abbey *WON IN COURT* £2775[/SIZE][SIZE=1](awaiting payment) [/SIZE][/FONT] [B][FONT=Tahoma]Warrant of Execution filed 22/06/07[/FONT][/B] [B][FONT=Tahoma]***Warrant Issued 22nd June 2007***[/FONT][/B] [B][FONT=Tahoma][COLOR=red]PAID IN FULL [/COLOR][/FONT][/B] [URL]http://www.youtube.com/watch?v=XcAaoRr8H5c[/URL]

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Hi Reka,

 

I am in the middle of claiming from the RBS for my son, he had an R21 account when the RBS changed it to a Royalties account, they charged £6 a month for this account, plus the interest every month which was never the same.

So I would advise you check that they have not changed her account.

 

rae may

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I have statements from 1984 (William & Glyns) right up to last month, nothing says any different than Current Account.

 

It's not a royalties account, but she changed it to an interest bearing current account last year

[FONT=Tahoma][SIZE=4][COLOR=blue]Reka [/COLOR][/SIZE][/FONT] [FONT=Tahoma][SIZE=4][COLOR=blue][URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/93120-reka-abbey-court.html[/URL][/COLOR][/SIZE][/FONT] [URL]http://www.consumeractiongroup.co.uk/forum/abbey-bank/101308-t-cs-nov-1998-a.html[/URL] [FONT=Tahoma][SIZE=4]Abbey *WON IN COURT* £2775[/SIZE][SIZE=1](awaiting payment) [/SIZE][/FONT] [B][FONT=Tahoma]Warrant of Execution filed 22/06/07[/FONT][/B] [B][FONT=Tahoma]***Warrant Issued 22nd June 2007***[/FONT][/B] [B][FONT=Tahoma][COLOR=red]PAID IN FULL [/COLOR][/FONT][/B] [URL]http://www.youtube.com/watch?v=XcAaoRr8H5c[/URL]

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Thanks for helping all, i have my mums statements in front of me. All the statements state "Current Account" and one print out states "Personal Current". So am i to take it that it is not a "Royalties" Account?

 

Sorry about this, i am just very confussed as to why it shows 2 interest charges every month, and never for the same amount. And if they are claimable.

 

May I suggest Reka, that you go into your Mum's branch with her and ask what the interest charges are for.

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

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