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)


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  1. #1
    Basic Account Holder daz182 Novitiate



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    Default Daz182vsRBS

    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

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  2. #2
    Basic Account Holder sn00psmum Novitiate sn00psmum's Avatar



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    Default Re: Daz182vsRBS

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


  3. #3
    Basic Account Holder daz182 Novitiate



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    Default Re: Daz182vsRBS

    Quote Originally Posted by sn00psmum View Post
    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.


  4. #4
    Basic Account Holder sn00psmum Novitiate sn00psmum's Avatar



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    Talking Re: Daz182vsRBS

    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 claimicon 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, RBSicon 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

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  5. #5
    Basic Account Holder daz182 Novitiate



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    Default Re: Daz182vsRBS

    Thanks sn00psmum,

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

    Thanks again
    Daz182


  6. #6
    Basic Account Holder rosysparkle Novitiate rosysparkle Novitiate



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    Default Re: Daz182vsRBS

    Good luck with it!


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  7. #7
    Basic Account Holder daz182 Novitiate



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    Default Re: Daz182vsRBS

    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


  8. #8
    Basic Account Holder daz182 Novitiate



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    Default Re: Daz182vsRBS

    Update

    Step 2.

    Prelim letter sent today 23/04/2007 requesting 1088


    Fingers crossed


  9. #9
    Basic Account Holder dangler8 Novitiate



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    Default Re: Daz182vsRBS

    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 lbaicon timescale you can fire ahead with court action increasing your claim by 8% interest.
    Keep us posted on your progress.


  10. #10
    Basic Account Holder sn00psmum Novitiate sn00psmum's Avatar



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    Thumbs up Re: Daz182vsRBS

    Yep, good luck!

    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
    Basic Account Holder daz182 Novitiate



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    Default Re: Daz182vsRBS

    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........


  12. #12
    Basic Account Holder dangler8 Novitiate



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    Default Re: Daz182vsRBS

    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.

    05/03/07 S.A.R - (Subject Access Request) handed in at branch
    Found missing statements at home !!!!
    08/03/07 Prelim+ schedule posted rec del
    22/03/07 No reply to prelim LBA posted rec del
    05/04/07 14 days and no reply to LBA, sent e-mail
    27/04/07 Offered FULL SETTLEMENT 3375
    03/05/07 Cash in bank account
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  13. #13
    Basic Account Holder daz182 Novitiate



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    Default Re: Daz182vsRBS (HELP REQUIRED)

    Hi all,

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

    However, now there 14 days are past, what do i do now, do i send lbaicon? 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


  14. #14
    Basic Account Holder daz182 Novitiate



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    Default Re: Daz182vsRBS

    UPDATE:

    lbaicon sent today (21-05-2007)



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