Hi,

Very new to all this but now addicted to this site! I spent several hours last night going over old statements and now calculate RBS have charged me £1,147, so if I've got this right my first step is the preliminary letter?

I've already done one to Natwest claiming £228, and I've just had a row with them on the phone because they charged me £76 yesterday!

So all fired up now and hoping its not too scary!

Can anybody help me please, I sent a preliminary letter to RBS on 9th May and received a reply from the branch manager to say that he'd requested copy statements of my two accounts for the last 4 years and he'd reply within 14 days. I then got a letter yesterday saying he's received the statements and will reply within 7 days.

This will take it to 21 days from my original letter, should I go ahead and do the letter before action even though hes kept me well informed or wait for his response which i expect will just be the standard p**s off letter anyway?

Stick to your own timetable, they will just be buying for more time, they done that with me and I waited the 3 weeks then got another letter saying they would get back to me in another 14 days which would have been 5 weeks.

Nicola's right Stacy. They are just stalling you. These corporation are large enough to be able to deal with your query in the reasonable time limits you have set.

You can respond to their reply immediately with an LBA letter.

Good luck and keep us posted.

Vamp.

right thanks I'll post it out today!

Hiya,

Sent my LBA to RBS on 25th May and it must've crossed in the post with one off them saying they differ to the views expressed..... offer you £500 in full and final settlement! No chance the claim is for £1147. Anyway from reading the forum I gather this offer is pretty standard practice but my query is regarding method of payment when they finally do pay me in full! They're saying they'll credit the account which the payment relates to with the £500 but I no longer have access to this account and I've made it clear in my LBA that payment must be in the way of a cheque? Am I allowed to ask for it by cheque as i have an overdraft with them thats being managed by a debt managemnet company? Any advice gladly received!

Sent a letter saying would accept the £500 as an interim payment but would be persuing the full amounts through the courts, referred them to the deadline in my LBA on 25th May, Which gives them 7 days to respond.

All correspondance has been addressed to and received from my branch manager if that helps anybody.

Hi I'm just about to file my claim with moneyclaim and not sure of what address to put on the claim, All addresses in RBS contacts seem to be in Edinburgh and need an address in England or Wales for claim.

Any ideas??

Stacy

I think they are in York, same as their MINT credit card... but I'm not sure.

Hi I've just filed my claim online and I know I'm supposed to send the spreadsheets somewhere as well can anyone help me with what to do next?

RBS have until 4th July to acknowledge my claim! oh well I guess it's just a waiting game now!

Hi I've just filed my claim online and I know I'm supposed to send the spreadsheets somewhere as well can anyone help me with what to do next?

Send the spreadsheets to:

Northampton County Court

21-27 St Katherine's Street

Northampton

NN1 2LH

Make sure you send a covering letter quoting the Claim Number.

sent one to Northampton County Court and one to RBS!

RBS have now acknowledged my claim on 21st June so 27 days to go!!!

Is it still 28 days to claim from the acknowledgement or from initial claim????

Im in same situation, hating the waiting game x

28 days from the date they were deemd to receive it which you should have had from the court. Mine was 21st. Just keep thinking of how you'll spend the money when they finally pay up!!!!!

well 2 days to go and still no defence from RBS! I don't know why they have to leave it till the last minute!!!

in this claim I've claimed for the 3 years I've been on the account with my husband, I'm pretty sure he will have had charges before this, can I go on to put in a second claim for the earlier period?

You can claim further back than the 3 years you are currently claiming - I would settle this one first - then make sure you don't sign anything that says along the lines of this being 'full and final settlement of all claims by you'. Then you can start a new claim for the prior 3 years (and maybe further back than that according to some threads...).

Thanks! I'll draft the DPA letter for the statements ready for when this one is finished.

You can claim further back than the 3 years you are currently claiming - I would settle this one first - then make sure you don't sign anything that says along the lines of this being 'full and final settlement of all claims by you'. Then you can start a new claim for the prior 3 years (and maybe further back than that according to some threads...).

It doesn't matter what you sign; you cannot sign a legal right away if it's granted in Law. You could sign an affadavit saying I will never ever claim from you again for anything at all; and then claim the next day because you are legally entitled to that for which you claim.

So - even if you signed an "any and all claims, and all future claims" clause, it could only make it slightly more difficult. You can claim for charges going back as far as the bank has records; although no-one has tried to go beyond the six years yet in court.

I've just applied for judgement by default as day 28 for RBS was yesterday! still a bit apprehensive though as they seem to have been submitting it before 10am in a few other cases and it gets accepted!

Oh well wait and see again!

andddddddddddddd RBS have filed a defence at last min!!!!!!

Shame Still at least you will probably get your money back quicker than I'm getting mine! I think it's an abuse of the court system to leave everything to the last minute and it annoys me that, when money's tight anyway, they force you to shell out more in court fees. I know you'll get it back but you have to find the court fees first Rant over - for now!

I know, including the court fee mines for over £1500 so I think I'll have to pay the £100 allocation fee. I was hoping they would defend after seeing the trouble you and a few others have had with the judgement by default, Im sure they'll pay up much quicker this way!!