Hi Folks

Just received the information from RBS Credit Card regarding charges and letter requesting repayment of £140 will be sent tomorrow.

However still awaiting the information from RBS itself regarding bank accounts. The request was received 18 July but the £5 charge was only levied to my account two days ago. Does the 40 days being with the receipt of the letter or when they charge for the information (sent a cheque but the debited my account instead !) ?

The 40 day countdown starts from the reciept of the letter, lets say they got it 19th July the deadline would be 27th august for them to comply.

Thanks for that.

On countdown now !!

Finally received the information today.

Have spend the last couple of hours highlighting and the amount the haqve illegally charged comes to £1340.32.

Will send my request for payment on Monday and see what the response is.

Hi arab63....it's always best to send correspondance recorded delivery.

good luck

Wxx

Yes- will do.

Hi

Can anyone help please ?

Received correspondence from both the RBS and RBS Credit Card, as well as Monument, all offering me 50% of my claim in full and final settlement.

Of course I am not accepting, but these offers have been made before I have sent the LBA. Is there a template letter refusing the offer - I see there is one in the library but it relates to after the LBA has been sent and not prior to it.

All the offers have been sent on my initial request letters which I was not prepared for !!!!

Hi there,

Regardless of when the offers are sent to you all you have to write is that you will accept the offer as part-payment and not as a full and final settlement, which you will be persuing through the courts if the full amount is not offered to you before......words to that effect anyway!

Wxx

Cheers Willow.

I have amended John's template letter and have generously given them a further 7 days before I send a LBA.

I have stated that I will not accept their offer as full and final settlement but will continue to pursue for the full amount through the courts if necessary.

Hopefully, they will reconsider.

Will keep everyone posted.

Mike

Hi All

Sent the LBA to RBS and had the standard reply from Mr McLean stating that ''charges transparent etc and that the OFT are to be looking into the charges Banks levy in the next 3-6 months and in view of that..... sod off''

Do I need to wait for the LBA 14 days before I file a claim online?

Also, is there a thread that details the wording to submit in the claim ?

Thanking you in advance

Mike

You have to wait 14 days from when you posted the LBA. You have proof of posting don't you? At this stage I would send them another letter expressing your disappointment at their decision and inform them that you will be filing a claim on such a date PLUS interest....enclose a schedule of charges plus interest.

Good luck

Wxx

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/634-guide-notes-completing-moneyclaim.html

Oh and there's the link for moneyclaim.

Thanks Willow.

Yes - all correspondence has been sent recorded delivery and copies of everything have been kept.

As I live in England, and the MCOL is only for England and Wales, is there a specific RBOS address to use. All the correspondence has come from Scotland and was wondering where the claim should be sent to.

By the way the date will be 25 September when claim will be filed.

Thanks

Hi All

Sent LBA to RBS Credit Card and received a cheque for £56, being the difference from the amounts charged and the new £12 fee.

Have sent back letter, with cheque, refusing amount and will start MCOL on Monday.

Wish me luck

Mike

Hi - soory to bother you all again

I have downloaded the interest spreadsheet before court (for MCOL) and entered all the data.

It says that my total claim is £xyz - is there a separate section on the claim form covering the claim of the costs ?

Want to get it right before I file my claim.

Cheers

Mike

As far as i remember you just add at the end that you are also reclaiming 'any costs incurred'.....so, the Court fee (£120) and subsequent AQ fee (£100).

Good luck with your claim

Wx

Thanks Willow.

Another question for you. I have started to file my claim and have saved the info until the 14 days are up, but the costs on the website are only £30 ? Am I missing something from your reply about the costs being £130 and £100 ?

Also, if the claim is online, where do you copy your schedule of charges and interest to? Or do you have to print out all the forms and send as well as inputting the online claim? How can you sign the online form ?

Sorry for being a bit thick but just quite fathom out the intricacies of the form.

Mike

hi the amount you pay to MCOL depend on the amount you are claiming if its over £1000 then it £120 court fee.

Thanks for that.

With regard to the online claim, how can you sign the form and where do you insert the schedule of charges/interest etc.

Am I being totally stupid or do you submit that separately when, presumably, some paperwork arrives afterwards?

Sorry, this is my first time filing a claim and just want to get it correct.

Thanks in advance to whoever can explain it in layman's terms.

Mike

Thanks for that.

 

With regard to the online claim, how can you sign the form and where do you insert the schedule of charges/interest etc.

 

Am I being totally stupid or do you submit that separately when, presumably, some paperwork arrives afterwards?

 

Sorry, this is my first time filing a claim and just want to get it correct.

 

Thanks in advance to whoever can explain it in layman's terms.

 

Mike

you sign it when u complete the form, by just typing your name when it promts u to sign it, and dont need to submit scedule of charges to courts yet...thats bit further down the line

Thanks David.

In that case, its all done - just waiting for the 14 days on the LBA to expire before I press that button.

There will be a few more over the next week to do after respectfully declining various offers.

Will keep everyone advised.

Mike

Hi All

I have had a success !!!

As well as the RBS claims, I alos did a claim with Virgin (MBNA). After receiving all my transactions, requesting the £718 charges back, sending my LBA, I decided to phone a guy called Colin Pugh on the last day prior to filing a claim.

He wasn't available first thing in the morning but phoned back within 15 minutes and by 2.30 that afternoon, I had a refund of £718 plus interest of £310.29 which he rounded up to a total of £1,030. They had already credited my account with £360 as a ''goodwill'' payment so I am just waiting for the remainder to be credited.

My donation will be made as soon as.

Brilliant stuff mate. Well done!

That's amazing!!! Congratulations sweetie :D

Wxx

Thanks for everybody's help