well its been 14days since i asked for the money back,i sent copys of all my charges and the letter stating they have 14days,before i take action,so could sum one tell me if this is the right time to go ahead with moneyclaim,ive not had one letter back regarding the letter i sent to them,please help

Hi Sarah,

I am sure someone will be along to help shortly,i just wondered when i read your post,Did you get receipts from RBS for your letters,my branch responded within 2 days ( paisley head office branch),,,just a thought

Good Luck

Stewart

thanks 4 a fast reply,what i did was i went down to my bank and handposted the statements,when it was closed lol,got a bit nervous i suppose.

could anyone tell me,should i ring my bank,and just see why ive not heard of them,our just go straight to moneyclaim,i wished i sent the letter and statements recorded deliv now dam blast?

Sarah,

If you have not got receipts for your intro letter,they could easily say,they have not recieved them,i am new to this as well,but from reading the forum everyone seems to advise get a receipt,i know what you mean it is a bit nerve wracking,personally i would phone them and ask if they recieved your letter,at least them you would know if they are just trying to stall you.But dont panick,wait to you have had feedback from some of the experienced people on the forum,there is a lot of knowledge here.Keep me posted how you are getting on and i will do the same sounds like we are at the same stage

regards

Stewart

Hi Sarah,

Is that your first or second letter, if you read the step by step guide, you should've sent a preliminary letter giving them 14 days, and then a LBA giving them a further 14 days.

If it was your first don't worry just send the LBA by recorded delivery or hand deliver it and get a receipt.

Stacy

The letter i sent is the first ive sent,ive just rang the bank,and they said it would have gone to there legal department,i asked for there num and they said they didnt have it,yeah rite i thought,the letter i sent was stating how much they had charged me,and i gave them 14days 2 get back to me,i dont wnt sound daft but which is the LBA,n do i send that 2 my branch? thanks sarah x

ive just had a look at the lib,and noticed what ive done,ive sent the LBA first,crimes i hope its goin be ok,ive just read then as they av gone down the list,so it looks like ive jumped infront,if any1 can help me out then i would be realy happy thanks sarah x

I'd just send the LBA again giving them another 14 days , then they've had the recommended 28 days notice! Send it recorded or get a receipt for it this time!

I agree completely with StacyMason, send the LBA again, so long as you are seen to be allowing the banks reasonable time, the Courts will 'be on your side'!

thanks guys,i will get straight on it yet again lol,n i wil keep u posted thanks again sarah x