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)


Results 1 to 15 of 15
  1. #1

    Default Sweetrevenge -v- RBS "The Sequel"

    "After the amazing story of success in the original thread whereby compound contractual interest was awarded without a fight from RBSicon, here comes the sequel - claiming for the last 6 yearsicon for my fianceicon's three accounts with 'em."

    Just a brief recap: He had a current account, then a loan account, then a joint account. When he divorced he had to consolidate his loan and current account, leaving him permanently overdrawn and incurring CHARGES. Can't wait, this should be fun.

    Progress so far:
    SARicon sent 14 Nov 06
    Response for 2 accounts received 4 Dec "can't find your other one"
    Further request detailing 3rd account sent 6 Dec "identified from statements you sent me on 4th"!!! No reply.
    letter before actionicon sent 16 Jan 07. No reply.
    N1 filled in 24 Jan to be filed at court 25 Jan 07.

    WISH ME LUCK, I'M OFF AGAIN!

    Similar Threads:
    Sweetrevenge
    Don't get mad - get even!
    If I've helped you please hit my scales 'n' bump my rep!

    RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
    WON at LBA with compound contractual interest 607

    RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, 1,278, 4,279 and 7,250(!) all with contractual interest.


    This is now very out of date!!!!
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  2. #2

    Default Re: Sweetrevenge -v- RBS "The Sequel"

    Good luck an well done

    Milly x

    CAPITAL ONE (O/H!): Won 1864.63 including contractual

    GE MONEY: WON 266.00
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  3. #3

    Default Re: Sweetrevenge -v- RBS "The Sequel"

    Christ, look out guys, get your claims in before SweetR bankrupts em

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 2794 SETTLED!!! RBS CA2 503 SETTLED!!! HBOS CC 498 SETTLED!!! Barclaycard 705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!
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  4. #4

    Default Re: Sweetrevenge -v- RBS "The Sequel"

    I'm only asking for some of their millions!!!

    Sweetrevenge
    Don't get mad - get even!
    If I've helped you please hit my scales 'n' bump my rep!

    RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
    WON at LBA with compound contractual interest 607

    RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, 1,278, 4,279 and 7,250(!) all with contractual interest.


    This is now very out of date!!!!
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  5. #5

    Default Re: Sweetrevenge -v- RBS "The Sequel"

    Quick update, N1 actually filed 1st February, deemed received on 4th so they have until the 19th to respond. I'm so bored waiting I'm considering starting the process again for the previous six years on my account, ho hum.

    Sweetrevenge
    Don't get mad - get even!
    If I've helped you please hit my scales 'n' bump my rep!

    RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
    WON at LBA with compound contractual interest 607

    RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, 1,278, 4,279 and 7,250(!) all with contractual interest.


    This is now very out of date!!!!
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  6. #6

    Default Re: Sweetrevenge -v- RBS "The Sequel"

    How's they going Sweet? Any news yet?

    RBoS
    Settled At LBA 798

    Barclaycard

    Defence Filed, Waiting For Court Date

    HSBC

    LBA Sent 15-05-07, Still No Reply

    Barclays

    LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07
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  7. #7

    Default Re: Sweetrevenge -v- RBS "The Sequel"

    Ok we've had some progress. Having given them a total of 3 months in total to send BF's statements we were forced to put in N1 claim asking for an order for RBoS to release BF's statements plus damages amounting to costs of submitting claim at 87. RBoS had until 19 Feb to respond. They acknowledged service on 16th Feb and said they were going to defend all of the claim. (!)

    On Friday last week (2nd March) we received a full set of statements for the third account. On Saturday we received another full set of statements!!! In the same post we received their "defence". Basically they admit being a bank, they admit BF having 3rd account with them, they admit everything we allege but say that they sent the bank statements requested on 27th February and that they have therefore complied!!!! and that they don't owe us anything. :o

    Well I totted up the charges, and guess what? Seems they owe BF to the tune of 1,690.39 plus a small matter of unauthorised contractual interest at 5,557 :grin: (spread across two of the accounts, therefore two separate claims). Don't think I'll bother with the allocation questionnaireicon for 87 quid, what do you think??

    Sweetrevenge
    Don't get mad - get even!
    If I've helped you please hit my scales 'n' bump my rep!

    RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
    WON at LBA with compound contractual interest 607

    RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, 1,278, 4,279 and 7,250(!) all with contractual interest.


    This is now very out of date!!!!
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  8. #8

    Default Re: Sweetrevenge -v- RBS "The Sequel"

    Good to hear you got them at last Sweet. Still bung the 87 for the claim on the N1 for them failing to supply under the DPA and that the deadline for the info was on the XX date.

    RBoS
    Settled At LBA 798

    Barclaycard

    Defence Filed, Waiting For Court Date

    HSBC

    LBA Sent 15-05-07, Still No Reply

    Barclays

    LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07
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  9. #9

    Default Re: Sweetrevenge -v- RBS "The Sequel"

    Received first offer letter today against first claim for 1,278. They've offered 600.48 so no interest included. Sending lbaicon's off for this and both other claims on Monday (see amounts on signature). From what I've read on other threads they are obviously trying to avoid paying any interest and hoping people will accept charges only. Well they've got another think coming with this lady!

    Sweetrevenge
    Don't get mad - get even!
    If I've helped you please hit my scales 'n' bump my rep!

    RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
    WON at LBA with compound contractual interest 607

    RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, 1,278, 4,279 and 7,250(!) all with contractual interest.


    This is now very out of date!!!!
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  10. #10

    Default Re: Sweetrevenge -v- RBS "The Sequel"

    You are a legend Sweetrevenge! Your successful claim was the first I subscribed to when I joined this site back in Jan (seems like years ago!) You've got the bottle to see it through (unlike me, s**tting myself!) go get 'em, we're all behind you!

    SM

    Paying interest on a loan caused by penalty charges? Read this!!


    Very useful A-Z here:
    http://www.consumeractiongroup.c o.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html?highlight=can% 27t+find+what+you%27re+lo oking+for%3F

    New strategy for Scots claims here:
    http://www.consumeractiongroup.c o.uk/forum/scotland/71013-urgent-attention-please-read.html

    Scottish procedure:
    http://www.consumeractiongroup.c o.uk/forum/royal-bank-scotland/42620-scottish-procedure.html

    I am a layperson not a legal expert, my advice is offered without prejudice or liability, it is purely my opinion based on personal experience and should be treated as such. If in any doubt seek the advice of a qualified professional.
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  11. #11

    Default Re: Sweetrevenge -v- RBS "The Sequel"

    OK look out I'm back on form!

    Had a bit of a break while I got small matter of weddingicon sorted (only 7 weeks to go, it's actually more nerve wrecking than taking on the banks!!!!)

    I'm looking to send RBSicon letter re lbaicon (all three of em) giving them 7 days to settle in full with contractual interest of course, then use the next week to fill in N1's.

    Love to catch up with all my old mates on here - anyone remember me perhaps? How you going on? Let me know!

    Cheers
    Sweet

    Sweetrevenge
    Don't get mad - get even!
    If I've helped you please hit my scales 'n' bump my rep!

    RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
    WON at LBA with compound contractual interest 607

    RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, 1,278, 4,279 and 7,250(!) all with contractual interest.


    This is now very out of date!!!!
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  12. #12

    Default Re: Sweetrevenge -v- RBS "The Sequel"

    Hey sweet, been a while........


    Probably best bet, though have they ever received LBAs from you? If not, I would probably stick to the 14 day deadline only due to the fact that should it go to court, the banks could try to show that you haven't been....you know I've forgotten the phrase it's been so long, but basically that you haven't given them enough time to resolve your claim.

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 2794 SETTLED!!! RBS CA2 503 SETTLED!!! HBOS CC 498 SETTLED!!! Barclaycard 705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!
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  13. #13

    Default Re: Sweetrevenge -v- RBS "The Sequel"

    Hey T4FF, the LBAs went off 11 April, no response to any of them in all that time, so I think I'm being generous giving them another couple of weeks to respond. Started putting the N1s together anyway - can't hurt, can it!

    Sweet

    Sweetrevenge
    Don't get mad - get even!
    If I've helped you please hit my scales 'n' bump my rep!

    RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
    WON at LBA with compound contractual interest 607

    RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, 1,278, 4,279 and 7,250(!) all with contractual interest.


    This is now very out of date!!!!
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  14. #14

    Default Re: Sweetrevenge -v- RBS "The Sequel"

    In which case you're being very generous giving them ANOTHER 7 days Realise though this is probably more to give YOU a deadline to sort the N1s. Probably best, just to give them a final chance.

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 2794 SETTLED!!! RBS CA2 503 SETTLED!!! HBOS CC 498 SETTLED!!! Barclaycard 705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!
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  15. #15

    Default Re: Sweetrevenge -v- RBS "The Sequel"

    Hi everyone, been away for a bit (now that's what I call a honeymoonicon!!!!). Hope you are all fighting fit and enjoying the banks discomfort, for however long it may last. I originally posted this under debt collectionicon thread but not getting much help - anyone here have a go?


    I sent off two letters to RBSicon asking for copies of Credit Agreements in January 2008. Heard nothing more until a couple of weeks ago - can you believe it, nine months to respond!!

    Can anyone please comment on the default comments in the text of their reply:-

    "We regret to advise that the loan agreement has been misfiled [there never was one, and nothing was signed by hubby] and despite searching of our records we have been unable to locate it. Our record of the setting up of the loan has insufficient detail to enable us to recreate the agreement with the required degree of certainty this course of action requires. [Not a big surprise is it?]

    In the circumstances we appreciate that under s.77 (4) of the CCA if you decide not to meet your obligations under the loan as they fall due we will be unable to take steps to enforce payment of the loan. However we consider that you should continue to meet your obligations under the agreement bearing in mind that the agreement isn't void, it remains valid and your continuing default will be reported to the credit reference agencies. S. 77 (4) only prevents us from pursuing recovery of the debt through the courts."

    Grateful for any help you can give on our position.

    Sweetrevenge
    Don't get mad - get even!
    If I've helped you please hit my scales 'n' bump my rep!

    RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12
    WON at LBA with compound contractual interest 607

    RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, 1,278, 4,279 and 7,250(!) all with contractual interest.


    This is now very out of date!!!!
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