Hi, Just watch gmtv last week, and have been reading threads, and faqs ever since, anybody have any good advice on taking on rbs in scotland, have statements that i have kept for the last 4 years, charges of £3500 for the 4 years, so maybe around £5000 for the last 6. any advice will be appreciated, as i start out my journey. kevinjay27

Hi Kevin

Please check the following link out below

Step-By-Step Instructions

You will have as good chance as all the members on here, who were like you.

Just follow the deadlines and guidelines, follow threads and see how others have tackled different things.

No to make things seem harder, The SMALL claims court - FIXED FEE - You do not pay RBOS fees

Sm Claims limit is £5000, So whet I would do is Split the case

But we will inform you opnce you have your Full details on how much they have unlawfully taken

It's a much smaller limit for small claims in scotland so you'll have to get more advice of one of the mods in scotland, sorry i don't know who but one will be along before long though I'm sure:)

Sorry Kevin

Missed the Scotland part, Thats where my heart is - Scotland lovely Country

But lets not go there

Check out the following link

Are you in Scotland and want to claim £750 - £1500?

It will assist you

Is there anyone who has had a full settlement from RBOS, there does'nt seem to be anyone who has. if so can they tell me, how it went, and what the timescale was from start to finish.

cheers Kevin

Of course there are full settlements.

They are dragging on a little...and in fact there are many in the court systems now.

Some are speculating that they are demanding confidentiality agreements the same as Barclays,however it is not compulsary to sign one.

The Halifax and HSBC etc are very prominent simply because there are a lot more of them.

I suspect we will see more written about Hbos cases,as they start to get settled quicker.

Hi, just a suggestion here, if the bank is asking for confidentiality, and no disclosure, why has'nt anyone taken this a step further, and ask more more money on top of their full settlement, they were quick enough to take our money, why can't we apply the same rules.

Kevinjay

Hi, just a suggestion here, if the bank is asking for confidentiality, and no disclosure, why has'nt anyone taken this a step further, and ask more more money on top of their full settlement, they were quick enough to take our money, why can't we apply the same rules.

 

Kevinjay

Errrrrrrrr

I think this is actually the case already.

But of course once they do that then they cant talk about the case ...........or the extra money for signing !!

No one should sign the confidentiality agreement unless there is some obvious benefit of doing so .....otherwise whats the point ??

Hi everyone,

Just to make sure i'm getting this right, i'm still waiting for a list of charges levied on my account, but have some statements, dating back 4 yrs.

I know i can claim for u/p direct debit and card misuse/position of sale, but what can i claim in regards to my overdraft, i have charges of maybe £20, for being over my limit, then interest charges on my overdraft of maybe £5.09.

Also doing some re-search on the charges schedule template, i understand the 8% on the charges, from the date you were charged, but do you include this in the pre-lim letter, then it's only the judicial 8% interest you include when you are actually filing your claim, from the first date of starting proceedings with the bank, ie, the date you sent your prelim letter. is this correct or am I getting it totally wrong.

Any help would be appreciated, i'm not being lazy have done a lot of re-search, just making sure i'm spot on.

kevinjay27

Hi everyone,

 

Just to make sure i'm getting this right, i'm still waiting for a list of charges levied on my account, but have some statements, dating back 4 yrs.

 

I know i can claim for u/p direct debit and card misuse/position of sale, but what can i claim in regards to my overdraft, i have charges of maybe £20, for being over my limit, then interest charges on my overdraft of maybe £5.09.

 

Also doing some re-search on the charges schedule template, i understand the 8% on the charges, from the date you were charged, but do you include this in the pre-lim letter, then it's only the judicial 8% interest you include when you are actually filing your claim, from the first date of starting proceedings with the bank, ie, the date you sent your prelim letter. is this correct or am I getting it totally wrong.

 

Any help would be appreciated, i'm not being lazy have done a lot of re-search, just making sure i'm spot on.

 

kevinjay27

Overlimit charges are penalties.

Do not quote 8% interest in a prelim letter,this can only be applied from the court stage although you can say that you will apply for it later.

A charge schedule should be sent with prelim and lba.

The 8% interest is claimable from the first unlawful charge (within the 6 years)

hi Martin,

So i can't claim for anything to do with my overdraft then.

so what is the difference between the 8% interest on your charges and the judicial interest.

can anyone please tell me what you can claim back. is it just charges for unpaid direct debits, and card mis-use.

Or can you claim back charges for being over your overdraft, as this was mostly caused by them, taking off these charges of £30 at a time for unpaid direct debits.

Charges for unpaid cheques/unauthorised overdrafts/fees for cancelling cheques/charges for unpaid standing orders/dds/etc etc

Thanks Martin,

Just wanted to make sure, i did'nt make a mistake, as i had an authorised overdraft, and was constantly being charged £20 a month in charges, due to being over the limit, i thought i could claim for this, as the main reason i was over, was due to their excessive charges, for unpaid direct debits, as if this was not the case, i would not have constantly been over my limit on my overdraft. would they not refund these charges of £20, if i could prove it was there unenforceable charges that put me in this position.

please look at my last thread, does anyone have a take on this.

yes you can claim for it

the only thing you CANT claim for is things like service fees for royalites accounts, member fees ect.

thank you missm

Hi before i send my spreadsheet, with my pre-lim, do i have to delete the calculated interest, and the total with interest, or can i just leave it on it, i have already stated on my pre-lim the amount i am looking for without the interest, just want to make sure, no mistakes

leave it on Kevin for when it gets to court claim stage

Hi, everyone

Just had a reply from the pre-lim letter i sent, it was from Tommy McClean.

Usual guff, our charges are fair and transparent, blah de blah, already sent my LBA, was also going to go down the route of e-mailing Tommy, with a leter i seen on this site, from a user called andrew1, it seemed to help him, anyone with any other ideas, to keep the pressure on, don't want to sit and wait, want to take the fight to them.

You have nothing to lose...but you may have nothing to gain either.

Every case is different and we dont understand why some claims are dealt with by Tom quite directly and speedily whilst others get no result.

I am sure they take into account lots of things.

Your call here.....if you want then give him a call.

And give him my regards too

Sorry folks, but this is an example of what not to do. It quite clearly states in the FAQ's and templates that the statutory interest should NOT be added to the claim before going to court. Sending the schedule with interest included, along with your letter before action, will give your bank the impression you don't know what you are doing.

You can only request interest from your bank if you are claiming contractual interest, in which case you request this from the start.

Sorry.

** Mod note: threads merged, please stick to one thread for your claim. Good luck**

I have not said i'm claiming interest, on my pre-lim and lba, i have clearly stated the amount i am asking for, the spreadsheet i sent, does have the interest calculations on it, but i have not asked for this back.

I have read the FAQ's and templates, i'm looking for support vampiress, not somebody, to shoot me down, the banks do a good job of that on their own.

Sorry Kevin, it wasn't meant to sound bad. I just didn't want anyone reading this getting the wrong idea about adding interest on incorrectly.

Hope all goes well. Good luck.