Hi to all, since being sucessfull with my own claims, i have been helping my friends and family with theirs. Usually this is straight forward enough, however, i have just been given a letter by my aunt which she has just received off Cobbertts with regards to her claim against the RBOS.

Story so far ia as follows:

13th October 2006 - Subject Access Request Sent

Received statements no problem.

27th October 2006 - Preliminary approach letter sent.

10th November 2006 - LBA sent.

20th November 2006 - Standars Blah Blah response received.

29th November 2006, after i had persuaded her that it was the best cause of action, she filed with MCOL.

13th December 2006 - RBOS acknowledge the claim and intend to defend.

Heres where it gets interesting:

This morning we applied for judgement by default, and not an hour later received the post. in it was a letter from cobbetts. It read as follows:

Dear Madam,

Our Client: The Royal Bank Of Scotland Plc

We are instructed on behalf of the above named.

We enclose by way of service the Defendant's Defence.

We confirm that we have filed a copy of the same with the court. Would you please acknowledge receipt.

Yours faithfully

Cobbetts LLP

Enc

IN THE NORTHAMPTON COUNTY COURT CLAIM NO: ***********

BETWEEN

************ **************** CLAIMANT

-AND-

THE ROYAL BANK OF SCOTLAND PLC DEFENDANT

The claimant is claiming a refund for all charges imposed on her by The Royal Bank of Scotland Plc since 24th January 2001. The charges total £*,***.**. A breakdown of these charges is available to the court, if required. The reason these bank charges are being claimed back, is due to the claimant becoming aware that the charges that had been applied to her were disproportionate, and therefore, unlawful. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from the date that each individual charge was applied, to 30th November 2006, of £***.** and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £*.**.

Dont worry, this is the standard defence that everyone gets.

The text has probably never been questioned before as you have probably not dealt with Cobbetts before. Have a look at my thread on Natwest where I am dealing with Cobbetts. Ive had exactly the same, and so have many others, and today on the phone, they admitted that they had everything anyway. This is just one of their standard stalling and intimidation tactics. Dont worry.

Thankyou for the quick response. So you think i should just let it run its course then?

Should we be expecting an AQ in the post, or should we indeed be concerned that a judge would infact strike out the particulars of the claim?

What I did was to fire back a letter to them enclosing yet ANOTHER copy of the schedule and pointing out that this has already been sent to their client, the court and themselves. Send a copy of the letter to the courts asking them to attach it to your claim, so that the judge is in no doubt that they DO have proper particulars of the claim. The courts are aware that this is just one of their ploys. If you read my thread, you will know what to expect as I am a little in front of you. I will be posting details later today of another letter received this morning which moves on the their next ploy.