Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

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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.

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Thread: DougWUK vs RBOS

  1. #1
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    Default DougWUK vs RBOS - Defence Received!

    Today I submitted my claim - total claimed 1385.13.

    To give a bit of history, my experience with RBSicon has been a total shambles and I suspected that the same shambles would ensue upon my requests for refunds of the unlawful charges.

    As such they have failed to respond to any letter I sent.

    I sent my preliminary letter 27th March 2006. No response.

    I sent my lbaicon 29th April 2006. No response!

    Therefore today was the day I took it legal - lets see if they respond to this.

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  2. #2

    Default Re: DougWUK vs RBOS

    I suspect they just might

    Well done so far, your timetable, your money!

    Good luck

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    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


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  3. #3
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    Default Re: DougWUK vs RBOS

    Update:

    They acknowledged my claim on 23rd May.

    So now they have until 14th June to enter a defenceicon.


  4. #4

    Default Re: DougWUK vs RBOS

    Good stuff.... sit tight.

    ..

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    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


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  5. #5
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    Default Re: DougWUK vs RBOS

    Update and Progress Report.

    Further to my previous posts, my claim was actually submitted on 22nd May 2006, meaning the bank had until 19th June to submit a defence.

    Surprise surprise I received in the post on Saturday a defence from Cobbetts - having read a few other threads here it seems to be a standard defence. They have put in a CPR18 request for information.

    I am putting a response together today along the lines of that I anticipate the claim will be allocated the the small claimsicon track and therefore I will not be answering the part 18icon request. However I will, as an act of good faith, provide them with the account details and list of charges with relevant dates.

    General thoughts?

    Doug


  6. #6

    Default Re: DougWUK vs RBOS

    Spot on about the part 18icon.

    In your response to them, add;

    "I note from your recent correspondence that you have requested further information from me under Part 18 of the CPR.

    I must advise you that Part 18 has no relevance to small claimsicon procedures and, as such, I consider that the inquiry is intimidatory and I intend to bring this matter to the notice of the court, should my case proceed that far.

    Further, I shall notify the Law Society with a view to possible retraining.

    As a gesture of goodwillicon and in the interests of concluding my claim, I have enclosed a breakdown of the charges imposed, their value and the interest being claimed on each charge."

    ..

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    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


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  7. #7
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    Default Re: DougWUK vs RBOS

    Excellent! Thank you very much.

    Especially liking the line about advising the law society about retraining!



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