Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


Results 1 to 9 of 9
  1. #1
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    Cagger since : Aug 2006

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    Angry Here we go!!! me v's RBS

    Well i hit a liitle hurdle i have discovered i dont have to pay court fees due to benefits but i need a letter to confirm this should take about 5 days then i will crack on with claim only wish i'd discovered this sooner . RBSicon have ignored lbaicon so onwards an upward i go i'll fight them all the way and now its gonna cost them more than it would have done to start with but i dont spose they are bothered being they are still raking in all the charges they can afford it cant they .
    Well lets hope my letter arrives sooner rather than later.

    Will this affect me in any way being that i havent stuck to MY time scale ???

    zoe

    Statements Recieved:19th july 2006
    1st letter sent: 20th July 501pounds
    1st letter received:21st July looking into it
    2nd letter received:
    27th July offering 81pounds as goodwill gesture
    Sent Letter back :3rd August asking to reconsider before action.
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  2. #2
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    Default Re: Here we go!!! me v's RBS

    No, in all fairness IF it ever gets to small claimsicon it will show the judge you have been more than fair. The timetables are just a guide, not binding.


  3. #3
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    Default Re: Here we go!!! me v's RBS

    Thanks Missm just didnt want to make it look like i wasnt serious but yes i have been fair dont know why??? they've deffinately had nore time than they deservered

    Statements Recieved:19th july 2006
    1st letter sent: 20th July 501pounds
    1st letter received:21st July looking into it
    2nd letter received:
    27th July offering 81pounds as goodwill gesture
    Sent Letter back :3rd August asking to reconsider before action.
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    Following
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  4. #4
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    Default Re: Here we go!!! me v's RBS

    Gotta laugh got a letter dated 21st august received today should have heard by the 21st not dated 21st but hey ho whats a couple of days between friends pmsl. upped there opffer from 81pounds to 276pounds in full and finall setlement, god i could really do with that in my pocket right now but i will keep fighting all the way. What do i do about that offer now ??? didnt expect another offer just thought i'd plodd on its thrown me ???

    Thanks Zoe

    Statements Recieved:19th july 2006
    1st letter sent: 20th July 501pounds
    1st letter received:21st July looking into it
    2nd letter received:
    27th July offering 81pounds as goodwill gesture
    Sent Letter back :3rd August asking to reconsider before action.
    Follows
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    Following
    0

  5. #5
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    Default Re: Here we go!!! me v's RBS

    I also cant get up the spread sheet for interest it says it wont open anyone no where else i can find one as i have tried all of them on here and still cant do it ???

    Statements Recieved:19th july 2006
    1st letter sent: 20th July 501pounds
    1st letter received:21st July looking into it
    2nd letter received:
    27th July offering 81pounds as goodwill gesture
    Sent Letter back :3rd August asking to reconsider before action.
    Follows
    0
    Following
    0

  6. #6
    willowb
    Guest

    Default Re: Here we go!!! me v's RBS

    You could always do it the old fashioned way.....with a calculator! the spreadsheet scared me! lol ....so I worked out the interest on each charge using this formula......charge X 0.00022 X number of days since offence....

    OR....wait for someone with a bit more technical knowledge to help you! ;>)

    Wxx


  7. #7
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    Default Re: Here we go!!! me v's RBS

    HI Willow how did you figure out the number of days bit ??? i'm having a nightmare with it at the moment i've given up now been trying for the last hour n half grrrrrrrrrrrrrrrrrrrrr.

    Charge x 0.00022 x number of days
    zoe

    Statements Recieved:19th july 2006
    1st letter sent: 20th July 501pounds
    1st letter received:21st July looking into it
    2nd letter received:
    27th July offering 81pounds as goodwill gesture
    Sent Letter back :3rd August asking to reconsider before action.
    Follows
    0
    Following
    0

  8. #8
    willowb
    Guest

    Default Re: Here we go!!! me v's RBS

    Hi.....I've copied and pasted this for you from FAQs...


    Q. Can I claim interest?


    A. When you put in a court claim, and not before, you should claim interest at the statutory rate, which is currently 8%. You must add a section to your claim in the following way:
    "The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% per year from (date when the money became owed to you) to (the date you are issuing the claim) of £XXX - (enter the amount) and also interest at the same rate up to the date of judgment, or earlier payment, at a daily rate of £X.XXp (put in daily rate of interest)"

    You will need to work out the interest you are owed up to the date you start the claim. You first need to work out the daily rate of interest. Using a calculator, do the following:
    0.00022 X the amount of your claim – this gives you the daily rate of interest.


    Ok? So the 0.00022 just gives you the daily rate then you work out how many days since the charge (start with the very first charge, it's easier taking off days) which will give you the amount.....hope this helps?

    Wx


  9. #9
    Basic Account Holder
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    Cagger since : Aug 2006

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    Default Re: Here we go!!! me v's RBS

    thanks much appreciated will crack on again with it tonight will keep updated though

    Statements Recieved:19th july 2006
    1st letter sent: 20th July 501pounds
    1st letter received:21st July looking into it
    2nd letter received:
    27th July offering 81pounds as goodwill gesture
    Sent Letter back :3rd August asking to reconsider before action.
    Follows
    0
    Following
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