Hi all,

Been meaning to get this started for a while now, but todays the day.

Im guessing my claim will be around £1500 - £2000.

Step 1.

Data Protection Act Request letter (including £10 cheque)

Sent 24/02/2007

Will keep you all updated.

And would be greatful of any information/help/advice any of you can give

Thanks and Regards,

Daz182

Good luck! Any questions, just ask- people on here very knowledgable & helpful. Are you claiming in England/ Scotland?

Yes, I am claiming in Scotland, and i am aware that there are a few differences as to court procedings(should it get that far) for claims above £750 which i think mine will be, (i estimate About £1500 - £2000) but i will wait and see what the statements add up to when i get them.

Cheers,

Daz182.

Hello again!

If it helps, Summary Cause upper limit is £1500 as opposed to Small Claims which is £750. So if your claim is, say £1900, you would do one summary cause for the charges up to but not exceeding £1500 and then do a small claim for the remaining £400. Work from your OLDEST charge first and do the Summary cause first as you will then get the bulk of your money and then go after the remainder. Both amounts are EXCLUSIVE of interest and the cost of bringing the action so don't include these in the amounts. It costs the same to file, £39, the difference being there is no upper limit to costs that can be awarded against you should you lose- NOT GOING TO HAPPEN THOUGH!! Just do alot of reading to familiarise yourself with the process and boost your confidence. They usually fold before setting foot in a courtroom!

It's worth mentioning that alot of people (myself included) are stating that settlement is to include interest at the bank's current contractual rate, RBS at the moment is 29.8%, up to date rates for all banks can be found on their websites, might take a bit of rummaging tho! If you are going to claim for this you need to do a bit of reading up on it to be sure and you must put it in writing from the outset.

Read people's threads and ask lots of questions before you jump in, it's pretty straightforward but you need to get it right! We're all in the same boat here. Stick to your guns and your timescale- not theirs, they have been using all sorts of dodgy tactics designed to scare, confuse and delay but don't let them get to you!

This is a great site where everyone is keen to help, so just ask!!

Best wishes

Thanks sn00psmum,

I will update this thread as and when i get any return from the RBS,

Thanks again

Daz182

Good luck with it!

Update:

Statemeants arrives today 10/03/2007

Just done a quick scan through them and looks like im due about £1100

Will do a more detailed calculation later today and get letter typed up.

Daz182

Update

Step 2.

Prelim letter sent today 23/04/2007 requesting £1088

Fingers crossed:rolleyes:

Good on yer, we Scots should stick together (and our Welsh friend T4FF included of course )

You are fortunate with the size of your claim, being within the summary cause limit. If the bank does not respond to your LBA timescale you can fire ahead with court action increasing your claim by 8% interest.

Keep us posted on your progress.

Yep, good luck!

Update:

Got a reply from prelim letter(sent on 24/04/07) today (28/04/07)

"Dear Mr XXXXXX XXXXX

Thank you for your letter regarding charges applied to your account.

We are currently considering your claim and will respond to you as soon as possible.

Yours sincerely

Sandy Watt"

The clock is ticking........

Thats good to hear, many people dont even get the bog standard " investigating you complaint" blurb. I keep saying, if your claiming basic charges without interest you will get the full amount, many many people have.

Hi all,

Need some advice, as per previous posts, i received acknowledgement letter back from RBS after sending my prelim letter,

However, now there 14 days are past, what do i do now, do i send LBA? if so do i quote there reference number that they put on the reply to the prelim?

Help please, i wanna get this wrapped up ASAP,

Cheers,

Daz

UPDATE:

LBA sent today (21-05-2007)