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)


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  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    unicorn96 Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Aug 2006
    Posts : 180 (0.04 post per day)

    Default UNICORN v's RBS + OTHERS

    Have today also heard back from Sheriff Court re my 2 claims against Marbles and Barclaycard. Return date is Nov 16th. Any idea what happens now, as its my first claim ?:?

    Similar Threads:
    :grin: WON
    GOLDFISH 291.90
    MARBLES 174.47
    RBOS VISA 232.19
    AMEX (BLUE) 148.40
    BARCLAYCARD 251.31
    AMEX (BA) 151.50
    RBOS M/C 222.00
    RBOS (MY ACC) 430.00
    BARCLAYS 505.00
    MBNA 250.00
    RBOS (JOINT) 2975.00
    :grin:
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  2. #2
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    pward33 Informative pward33 Informative



    Follow Real_CAG on Twitter
    Cagger since : Sep 2006
    Posts : 288 (0.07 post per day)

    Default Re: UNICORN v's RBS + OTHERS

    Have a look at the link below; there are guidance notes on whatever type of claim you have initiated (ie small claimicon, summary cause or ordinary cause); alternatively the Sherrif's court producesthe notes in booklet form and will post you one if you call them.

    It's easy to understand and in layman's language, despite being quite comprehensive. Hope that helps!

    Sheriff Courts in Scotland

    If I've helped, please tick the scales at the bottom left of this message!

    17th Sept: Found this site!

    Lloyds TSB

    22 Sept: Subject Access Req.
    3 Nov: statements arrived. Charges calulated at:
    A/c 1 - 2,178.01 + int of 1,206.54 (18.4% authorised)
    A/c 2 - 206.11 + int of 211.07 (18.4%)
    7 Nov - prelim.
    3 Dec - LBA
    13 Dec - 750 offered
    23 Dec - 750 credited
    28 Dec - rejection letter
    2 March - issued
    16 April - complained at court failure to forward defence

    Halifax

    22nd September: Subject Access Request.
    4th November: No reply so LBA giving 7 days.

    Cap One

    22nd September: Subject Access Req.
    5th October: Letter saying no record of account!
    15th October: Replied telling them to try harder...
    22nd October: Subject Access Req acknowledged.
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  3. #3
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    unicorn96 Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Aug 2006
    Posts : 180 (0.04 post per day)

    Default Re: UNICORN v's RBS + OTHERS

    Helps a lot thanks.

    :grin: WON
    GOLDFISH 291.90
    MARBLES 174.47
    RBOS VISA 232.19
    AMEX (BLUE) 148.40
    BARCLAYCARD 251.31
    AMEX (BA) 151.50
    RBOS M/C 222.00
    RBOS (MY ACC) 430.00
    BARCLAYS 505.00
    MBNA 250.00
    RBOS (JOINT) 2975.00
    :grin:
    Follows
    0
    Following
    0


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