I started this process before I knew this website existed and so just wrote a polite but firm letter to my bank requesting that they review what I felt to be excessive charges on my account over a 3 month period (£1200). When they ignored that I sent them a reminder 14 days later (both recorded) which they have now also ignored! Had I not been nearly so frustrated by them I may not have found this website but they ignored me at their peril and now instead of 3 months charges they'll be looking at a whole lot more.

SAR is on my desk ready to go in the post tonight and thanks to all you guys and the great information on this site, I can't wait!!

good luck. i'll keep an eye on your thread if you need to know anything or need any help just shout.

Thanks! It's quite a daunting prospect so it's great to know there's so many kind people who can help if I get stuck or panic!!

Suzanne

just keep reading threads the more you read the more understanding you have and it becomes less daunting. if you follow in the right order and stick to you timetable you'll soon be laughing all the way to the bank.....

Well my bank statements arrived on friday and I'm sitting working my way through them just now - hard to tell how much it'll total to but around the £2000 mark already! Hope to have this ready to post tomorrow!

hey,

good luck!

Well the total now is £3176 excluding interest although it may be higher as although I pay a monthly charge for my Royalties Account I also get hit with £28 a month for going over my arranged overdraft limit - can I include this? I'd appreciate if someone can let me know asap as I have the letter ready to go and would like to get it posted before the weekend.

Thanks

My prelim letter went off on 27th November claiming charges totalling £3868. Short of miracle I'm too late to get the money in time for xmas but maybe a good start to the new year!! As my husband has just been laid off yet again we could really do with it so fingers crossed. I'd like to think it won't get as far as the courts as I'll need to file 6 different small claims but am well prepared to if that's what needs done!

6 days and counting........ til deadline for Prelim letter!!

Hi

RBOS offered me £1350 on the date deadline for my prelim letter. Of course I've only accepted this as part payment Deadline for LBA is up on Friday, so here's hoping they come up with the rest.

Good luck

Well my deadline for the Prelim letter was yesterday and I've had no word so LBA will be going in the post tomorrow. Watching Bank Robbery on BBC2 on tuesday night helped inspire me a lot - I hope everyone watched it!!

My LBA deadline is up today, been up since 6am but don't know if it's just that normal friday feeling or the anxiety over what the posty may bring this morning. I'll probably be soing the court money claim over the weekend

I'll be the same when my LBA deadline is up! I'm bad enough just now. I can't believe I didn't even get the standard 'no' letter - I keep telling myself maybe it's all running a bit slow due to xmas etc but I'm sticking to my deadlines all the same! Hope you hear something before the weekend! Fingers are crossed for you!!

Hi

Can anyone advise me of the court process in Scotland. i think i need to pursue BOS through court, however they owe me £1200. Should I be taking out a summary cause cliam?

My understanding is that you can use the Summary Clause up to £1500 whereas to go through Small Claims you'd need to split it as £750 is the most you can claim. The fees involved are the same (I think £39) but I believe the only down side to summary clause is that you could be liable for the Bank's court fees IF you lose but then reading through this site, reading articles and watching that episode of the Money Programme highlighted just how unlikely this is. From what I've read on here I think more people are gaining confidence and going with Summary Clause rather than the lengthy process of doing a few Small Claims.

Sorry I don't have many details but I'm not quite at that stage just yet.

Good luck!!

Hi Erinamanda and sorry to hijack your thread Smithsu01, im also in Scotland and just reading through some Scottish posts to refresh myself. I'm currently going through the summary cause process with LTSB (see my signature for my thread). The fees are the same £39 and the whole process is the almost identical, its just a diferent track of small claims. One thing I would point out is when you recieve the summons back in the post from the sheriff court YOU must get a sheriff officer to serve the summons on the bank (form 1B), the court doesn't do this for you.

Good luck with both of your claims and have a look over my thread to see what my lie ahead should you need to go to court, hope it gives you some encouragement.

Merry christmas btw

o0oLiamBeeo0o

No problem, hijack away! Thanks, I'll check out your thread!

Hi

Cheers for the info, but I'm now wishing I took RBOS's offer. I'm emigrating to Australia end of Jan and with the timescales for Summay cause claims, it's a nitemare. Spoke with Tommy McLean again to day and felt he was trying to fob me off. He previously told me on 20th December that I would be likelly to recieve a letter offering full amount the following day, now he's saying the the way in whish the bank are dealing with claims is changing from day to day. He suggested I either wait until they respond or take the legal route. To top all this off, I've been charged £152 over xmas

Just has a daft thought, but if I am in oz will the bank be responsible for my expenses to travel back for court?

Mmmm, fraid I don't know the answer to that one but hopefully someone will!

The deadline for my LBA is up in a few days and as yet I've heard nothing at all from RBS! No 'get lost' letter in response to my prelim letter and now no offer at all to my LBA. Wondering if I should e-mail to make sure it's being dealt with as everyone else seems to at least get the standard responses and seems strange to have had nothing at all by this stage!

The letters were sent recorded delivery and have been signed for so I know they've got them!

Any thoughts anyone??

So the deadline for the LBA came and went with still no word from RBS so I e-mailed Tommy McLean just saying that I was disappointed to have not even received a confirmation of my letter and while I appreciate they must be busy etc etc (well someone said he responds better if you're nice to him!). I got a reply straight back with the usual apology and he couldn't tell me when they'd be able to deal with it but they would as soon as they could.

At this point I couldn't afford to file at court and would've had to wait a couple of weeks so e-mailed back to say 'as a goodwill gesture I'd extend the deadline by 10 days but rest assured I will file at court after this time' - no harm making him think I'm being nice as oppsed to just skint!!!

Anyway, the next day I received acknowlegments of both my Prelim and LBA so suspect he'd stepped things up a bit - strange coincidence if not!

Just as their 10 day extended deadline was up.....I'd been to court to collect forms......arrived home........and there it was an offer for the full amount!!!!

The letter was just a standard, ' we feel these are not penalties but charges for services but as a sign of goodwill......'!!

Delighted!!!!

Thank you so much to everyone on this site!! Wouldn't have had the first idea where to start without you. All this because a RBS employee suggested I look into it!!

Donation on way when money arrives!

well done I have just started the process myself and will post my own thread with progress. Always makes me feel good when I see a result

Thanks Tweenies, stick with it and read this site over and over and you'll be celebrating too soon enough! Good luck!

Well done you!

Wow, this thread has reinvigorated my interest in getting my own situation sorted out.

Cheers for that!