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 Henrik#1 Novitiate



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    Default ML vs RBS

    I've posted this thread before, but cant find it anywhere.

    Anyway, I posted my first leter with details of charges on 14th Nov. - reply received by the infamous Tommy Boy McLean. "we believe our charges are fair yada yada yada!".

    lbaicon sent today - 28th Nov.
    Will keep you posted!!!!


  2. #2
    Basic Account Holder Henrik#1 Novitiate



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    Thumbs up Re: ML vs RBS

    Wee update. 4th Dec, lbaicon posted on 28th Nov. How long typically do they respond to LBA letters?

    Thanks!

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  3. #3
    Basic Account Holder niteflite01 Novitiate



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    Default Re: ML vs RBS

    Mine took about a week I think although I think Tommy and Co are busy at the moment.


  4. #4
    Basic Account Holder Henrik#1 Novitiate



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    Default Re: ML vs RBS

    lbaicon Deadline is getting close - Tuesday!
    Keep you updated!


  5. #5
    Basic Account Holder Henrik#1 Novitiate



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    Default Re: ML vs RBS

    just a point to add....I have submitted a total claim (aprrox 3500) for my two accounts. i have since read elsewhere tat you shouldn't submitt more than one claim? Will this be a problem?

    Also, what is the probability of them closing your account after payment has been made following a succesful claim?


  6. #6
    Basic Account Holder Solowka Novitiate



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    Default Re: ML vs RBS

    i submitted 2 claims with the same bank, both combined so in effect it was one cliam, it shouldnt be a problem as they paid up in the end as for them closing the account, mine wasnt altho it is now inactive cos i changed accounts hehe


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  7. #7
    Basic Account Holder Henrik#1 Novitiate



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    Default Re: ML vs RBS

    tomorrow is deadline day.....any recommendations of what to do if no response?? MCOL form etc.

    Thanks.


  8. #8
    Basic Account Holder Henrik#1 Novitiate



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    Default Re: ML vs RBS

    well, nothing in the post. anyone think i shoudl wait another day or so or just go straight into submitting MCOL form?


  9. #9
    Basic Account Holder Henrik#1 Novitiate



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    Default Re: ML vs RBS

    Anyone?


  10. #10
    Basic Account Holder Solowka Novitiate



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    Default Re: ML vs RBS

    if the 14 day deadline is up and no response from the banks, then it is time to submit the court forms, personally i`d submit N1 form via your local county courticon, but thats just my 2 pennies worth, altho there is nowt wrong with MCOL, i just prefer the paper version.

    Good luck and let us know what happens


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  11. #11
    Basic Account Holder Henrik#1 Novitiate



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    Default Re: ML vs RBS

    Thanks!
    Off to local court then! I will download the N1 form and fill it out.

    Quick question....I'm claiming total 3573.95, so now i add 8% interest, so means total claim now - 3859,87. Should I add that into my schedule of charges total or do I need to show seperate 8% for each charge?


  12. #12
    Basic Account Holder Solowka Novitiate



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    Default Re: ML vs RBS

    you need to show the interest on each charge before yo submit it to the courts, there`s a very good interest calculater you can use

    http://www.consumeractiongroup.co.uk...eadsheets.html

    all you need to do is just fill in the blanks basically and the spreedsheet does the rest


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  13. #13
    Basic Account Holder Henrik#1 Novitiate



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    Default Re: ML vs RBS

    ta.....btw, i'm email mr mclean this afternoon to inform him 14days have passed! Will let you know of any response!


  14. #14
    Basic Account Holder Henrik#1 Novitiate



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    Default Re: ML vs RBS

    email sent!


    Mr McLean,
    On 27th November, I sent a letter to yourself expressing my displeasure at your response to my request for refund of bank charges. Detailed within this letter (attached) I expressed to you that I had set a deadline of 14 Calendar days in which to respond to me. The 14 days have expired today and I have received no response to my letter.

    Due to the Royal Bank of Scotland’s failure to comply, I am now processing my claim via the local district court at East Kilbride Civic Centre. I will be submitting the relevant forms and schedule of charges this afternoon. Now I will also be claiming 8% contractual interest on top of my initial claim and all costs incurred during this claim.

    For your reference, see attached details of all charges against my two accounts.

    I will gladly accept FULL payment of my claim to date by return to prevent RBSicon with MORE court action, but rest assured, I am pursuing this avenue unless my full amount is refunded before the court date.

    To Summarise:
    Premier Account:
    Total Penalties - 2438.95
    Total Interest - 456.29
    Total Claim via Court – 2895.24

    Gold Deposit:
    Total Penalties - 1135.00
    Total Interest - 172.19
    Total Claim via Court – 1307.19

    Total Claim - 3,573.95
    Total Claim via Court - 4202.43

    Look forward to your positive response.

    Regards,


  15. #15
    Basic Account Holder Henrik#1 Novitiate



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    Default Re: ML vs RBS

    response!
    Dear Mr Lochrin,

    Thanks for letting me know your intentions. We wouldn't be able to respond
    to you with a decision for a little while yet. We consider claims of a size
    such as yours carefully and we have a large number on the go at the moment.
    That being the case, you are probably right to progress matters through the
    courts.

    I am sorry we were not able to reach agreement quickly enough.


  16. #16
    Basic Account Holder Henrik#1 Novitiate



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    Default Re: ML vs RBS

    Well, despite other emails from Mr T where he asked me to give them a little longer, I'm process with court proceedings.

    Can anyone tell me in regards to interest, do you claim 8% interest per day + 8% APR now?
    As below:
    Total Charges - 3,573.95
    Daily interest @ 8% - 628.48
    8% APR of total charges- 285.92
    Total Claim - 4488.35

    Is this correct? Thanks for help!!



  17. #17
    Basic Account Holder Henrik#1 Novitiate



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    Default Re: ML vs RBS

    sorry one more thing.....who file claim via court against? your branch or Tommy McLean? I dont know the branch manager's name, so ok to just put Bank Manager down?


  18. #18
    Basic Account Holder Henrik#1 Novitiate



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    Default Re: ML vs RBS

    bumpity bump! Any helpers out there on above two posts?


  19. #19
    Basic Account Holder HydraUK Novitiate HydraUK's Avatar



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    Default Re: ML vs RBS

    I used the branch...it says in Court Guidance notes for N1 to use the registered address or a business address that '....has a real, or the most, connection with the claim.'

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  20. #20
    Basic Account Holder Henrik#1 Novitiate



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    Default Re: ML vs RBS

    Thanks!
    For Scotland it is slightly different. it asks for name and address of person of whom claim is against.....so maybe technically just need to put RBSicon and branch address.

    Do you have any idea about the interest to claim? 8% daily interest + 8% APR or just one or the other?



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