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.


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

    Cool Longer than 14 days after LBA

    I sent my lbaicon letter on the 8th of January and recieved a letter from Sandy Watt i did'nt recieve anything in the 14 day period after the lbaicon other than the one from Sandy saying they were looking into it, after which my brother received his claim in full with no court action and he put his claim in after me so i was tempted to leave it a bit longer to see if i got a reply, i rang the Customer relations number and they just told me the Database was down and they could'nt find the information and that they would ring me as soon as it was backup i know this is probably more delaying tactics but why these tactics does this stop me from going ahead with Court proceeding's if i have left it to long in between the LBA? and do i have to start again if so.


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  2. #2

    Default Re: Longer than 14 days after LBA

    See my post above "Show me the Money". They did exactly the same to me ignoring my lbaicon. I ended up emailing and he came through for me and they settled in full. They have a massive backlog at the moment obviously. I had alreday started my legal aciton and will lose that cash so it may be worth emailing them to see where your claim is at.

  3. #3

    Default Re: Longer than 14 days after LBA

    you have given them ample time. you can try sending a 3rd letter as a "goodwill gestureicon" either by email to sandy watt or tommy mclean given them 7 more days to settle then its court action time.

    Royal Bank of Scotlandicon

    August 14th, 2006

    Dear Sir/Madam,


    I am writing to you to express my extreme disapoinment in regards a claim I have filed against my branch and yourselves.
    I sent a letter requesting a refund of all charges levied against my Interest Paying Current Account on July 24, 2006. I then sent another letter requesting again all charges be refunded on August 8th. Please note that both of these letters were sent via recorded mail and both were signed for at my branch. I have attached a copy of both letters as well as the schedule of charges for your reference. The total I am claiming is £xxxxx

    To date I have not recieved a favourable response or any dialogue regarding my claim other than a standard letter. I feel extrememly undervalued as a customer and am shocked at the lack of customer service I am recieving.
    Due to recent media coverage, I now believe that your charges are a Penalty, penalty charges being irrecoverable at common law. It has been held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss.
    However, if you say that your charges are not penalties, I would be interested if you would demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. I would be more than happy to receive this via email: blah blah
    I look forward to hearing from you and to a resolution of this. I will wait for until August 22nd as outlined in the letter dated 8 August 2006 then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

    Please contact me at the above address or by email.

  4. #4

    Cool Re: Longer than 14 days after LBA

    Thanks alot for the quick reply, i'll let you know how i get on.

Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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