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.

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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)


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  1. #1
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    peanut007 Novitiate



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    Unhappy Peanut Vs RBS robbers

    Hi All,

    I like you all am after refund of charges with RBSicon, ive been reading your threads and have a couple of questions if anyone can help:

    I have received what appears to be a standerd letter of defence from Cobbetts, Part 18 ect, I have also received my aqicon questionare, i am proposing to reply to Cobbets with the letter in Agusta 109s thread but at the foot of the template it suggests one figure to be entered, Q. what does this figure represent?

    And a lot of people are talking about a spread sheet showing details of particular charges and dates ect, I originally sent RBS a list of Dates and the particular charge taken on that date and then i gave a cumulative figure for interest,(i did not detail interest against each date and charge)

    Details of each individual charge...................

    25/01/2006 35.00
    11/04/2006 35.00
    ect
    ect

    i.e: Total of charges 1726.00
    + interest 254.30
    total of claim 1980.30,

    can i send details in this format to Cobbetts?

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  2. #2
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    Default Re: Peanut Vs RBS robbers

    How did you calculate the interest? what rate did you use?

    If you are sure its correct then a cumulative figure should be ok.

    Cobblers do like it to be itemised though and may try to stall.
    if its not too much trouble i would put the figures into the spreadsheet and itemise everthing. They then have NO excuses. They are famous for stalling at the slightest mistake.

    Dave

    ** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

    see you stand like greyhounds in the slips,
    Straining upon the start. The game's afoot:
    Follow your spirit; and, upon this charge
    Cry 'God for Harry! England and Saint George!'

    If you think I have helped, informed, or amused you do the clickey scaley thing !!
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  3. #3
    BlueRuby
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    Default Re: Peanut Vs RBS robbers

    Quote Originally Posted by davefirewalker
    They are famous for stalling at the slightest mistake.

    Dave
    But they make plenty themselves I'm with Dave, don't give them any excuse to delay a settlement.


  4. #4
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    peanut007 Novitiate



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    Default Re: Peanut Vs RBS robbers

    Thx Ruby/Dave, i will follow your advice.


  5. #5
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    Default Re: Peanut Vs RBS robbers

    Used the interest calculator on this site, rate 8%, now i have calculated interest against each individual charge i get a different figure, out by 4.54p in total so back to my original question, shall i just put a rounded up figure for interest to Cobbetts or shall i itemise each one and hope they dont get a calculator out and add all the little bits of interest up and find i am trying to claim 4.54 more in interest than im entitled to do.

    Mistake must have been on my original calculation, checked and double checked this time.

    Please help


  6. #6
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    Default Re: Peanut Vs RBS robbers

    its best to itemise each one.

    date, type of charge, amount, calculated interest @ 8%
    with total charges and total interest at the bottom

    Or Just send the whole spreadsheet printout showing the interest as well.

    the 4.54p may not be your fault... the spreadsheet uses .00022 to calculate interest when more properly it should be .0002191

    it makes a difference (small)

    Dave

    ** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

    see you stand like greyhounds in the slips,
    Straining upon the start. The game's afoot:
    Follow your spirit; and, upon this charge
    Cry 'God for Harry! England and Saint George!'

    If you think I have helped, informed, or amused you do the clickey scaley thing !!
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  7. #7
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    Default Re: Peanut Vs RBS robbers

    Cheers for the reply Dave, i am ready to sent my letter to Cobbetts (used template from Agusta109s thread, i am including schedule of charges showing interest against each charge and cumulative figures.

    I am about to complete my Allocation questionare, are there any templates advice located anywhere to assist me to complete the questionare?

    PS UR A GOOD MAN


  8. #8
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    Default Re: Peanut Vs RBS robbers

    Hi All,

    I have just posted my reply tp Cobbetts & will hand my questionare to the court offices tomorrow (deadline for reply to court is 27 Sept).

    I have noted in my letter to Cobbets that my bank have been sent my schedule of charges on 2 previous occasions.

    Will sit and wait for letter from Cobbetts now.

    Some of you have had some form of offer by this point, would there be any particular reason in your opinions why i have had no form of offer at any stage?

    Soldier on.


  9. #9
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    Default Re: Peanut Vs RBS robbers

    I got an offer even before my threat to take them to court.

    Cant start proceedings just yet because i'm skint and I know it will cost me 250 plus 100 for the aqicon later........ Why dont they just pay up and stop all this malarky.

    ps just got this months statements with another 120+ worth of charges on it

    grrrrrrrr

    Dave

    ** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

    see you stand like greyhounds in the slips,
    Straining upon the start. The game's afoot:
    Follow your spirit; and, upon this charge
    Cry 'God for Harry! England and Saint George!'

    If you think I have helped, informed, or amused you do the clickey scaley thing !!
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  10. #10
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    peanut007 Novitiate



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    Default Re: Peanut Vs RBS robbers

    Hi Dave,

    Ive had about another 300 quids worth of charges since i started, will they never learn.

    Know the skint feeling.

    GL,M8


  11. #11
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    peanut007 Novitiate



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    Default Re: Peanut Vs RBS robbers

    Hi All,

    Handed my questionare to court offices with 100.00 fee today at 3.20pm, will wait to see what happens next now.

    Peanut.


  12. #12
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    peanut007 Novitiate



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    Default Re: Peanut Vs RBS robbers

    Hi All,

    I have today received a coppy of the allocation questionare that Cobbetts submitted, I noted that they had ticked the Yes box for the question Do you agree that the small claimsicon track is the most suitable track for this claim.

    And they have included a photocopy of the response letter and schedule of charges that i sent to them in response to there requesst for more info.

    Is this normal ?

    Keep up the good fight.

    Peanut


  13. #13
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    peanut007 Novitiate



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    Default Re: Peanut Vs RBS robbers

    Hi All,

    Just a quick update:

    Phoned the court today to get an update, they say that my case will be looked at this week so i should her from them next week.

    Any ideas as to what i should hear from Cobbetts once a court date has been set?

    Cheers

    Peanut



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