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)


+ Reply to Thread
Page 1 of 3 1 2 3 LastLast
Results 1 to 20 of 56
  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Cheakychops Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2007
    Posts : 38 (0.01 post per day)

    Default Cheakychops v Royal Bank of Scotland

    Ive just recieved my bank statements they took 2wks..im quiet shocked ive total it all up and it comes to 3640.55 in charges and 522.01 in intrest making a total of 4162.56 so now ive printed letter number 2 out do i make the claim for the full amount with the intrest or just the charges?? do i also send the letter to the freepost head office again or to my local branch?
    many thanks


  2. #2
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    HydraUK Novitiate HydraUK's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Aug 2006
    Posts : 532 (0.12 post per day)

    Default Re: Me V's BOS

    Add the interest at this stage only if you intend to claim Contractual, or Interest charged on overdrafts directly attributable to charges.

    If the interest you are referring to is the Statutory 8% 'Judicial' interest then this should be omitted until court stages.

    Don't know what address you used to start with, so can't comment.

    Follows
    0
    Following
    0

  3. #3
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Cheakychops Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2007
    Posts : 38 (0.01 post per day)

    Default Re: Me V's BOS

    thanks ive found the address now ive just printed template letter 2 off and just gonna go post it now.Wish me luck.


  4. #4
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    HydraUK Novitiate HydraUK's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Aug 2006
    Posts : 532 (0.12 post per day)

    Default Re: Me V's BOS

    Don't need luck, just the patience of Job. ;0)

    Follows
    0
    Following
    0

  5. #5
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Cheakychops Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2007
    Posts : 38 (0.01 post per day)

    Default Re: Me V's BOS

    Ive not got alot of that anyway ive done it now so 14 days and counting.


  6. #6
    Platinum Account Holder
    Help the CAG!!
    Make a donation
    livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad Authoritative livelylad's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Jun 2006
    Posts : 9,525 (2.14 post per day)

    Default Re: Me V's BOS

    Is your bank the Royal Bank of Scotlandicon or Bank of Scotland?






    I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.
    Follows
    0
    Following
    0

  7. #7
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Cheakychops Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2007
    Posts : 38 (0.01 post per day)

    Exclamation Few questions

    Right i got my bank statements last sat and sent my 2nd letter off the same day asking for my amount back..do you wait 14 days for this then what happens?? do they make you an offer after this letter or do i prepare letter number 3 to be sent off
    also how do you do your signitures? i cant find it.


  8. #8
    Royalties Account Holder barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad Authoritative barracad's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Mar 2006
    Posts : 10,628 (2.34 post per day)

    Default Re: Me V's BOS

    Threads merged - please stick to one thread.

    Your signature can be changed via your User CP (link at top of forum).

    The other questions are very basic and you need to read the FAQs and step-by-step instructions thoroughly. In fact, you should have done this before even sending the first letter.

    Finally, your title says Bank of Scotland, but you have posted in Royal Bank of Scotlandicon forum - which is correct?

    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.
    Follows
    0
    Following
    0

  9. #9
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Cheakychops Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2007
    Posts : 38 (0.01 post per day)

    Default Re: Me V's BOS

    yeh sorry im with the Royal Bank of Scotlandicon thank you and sorry.


  10. #10
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Cheakychops Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2007
    Posts : 38 (0.01 post per day)

    Default Re: Cheakychops v Royal Bank of Scotland

    No news from the 2nd letter so just getting ready to post the lbaicon another 14days here we go..

    Follows
    0
    Following
    0

  11. #11
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Cheakychops Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2007
    Posts : 38 (0.01 post per day)

    Default Re: Cheakychops v Royal Bank of Scotland

    I got response this morning from the 2nd letter it just says they are looking into my claim and will be in touch soon.Ive already sent the lbaicon yesterday so what do i do just wait untill the 14 days of the lbaicon or just leave it with them

    Follows
    0
    Following
    0

  12. #12
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    The Pigeon Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 28 (0.01 post per day)

    Default Re: Cheakychops v Royal Bank of Scotland

    Quote Originally Posted by Cheakychops View Post
    I got response this morning from the 2nd letter it just says they are looking into my claim and will be in touch soon.Ive already sent the lbaicon yesterday so what do i do just wait untill the 14 days of the lbaicon or just leave it with them
    Pretty sure you just stick to your schedule and don't let their delaying tactics affect you. Dig your heels in mate, it's your money they've stolen from you...

    The Pigeon vs RBoS
    03/04/07 - Prelim letter sent requesting 765
    12/04/07 - Acknowledgement of letter - "We are considering your claim".

    http://www.consumeractiongroup.co.uk...tml#post724228
    Follows
    0
    Following
    0

  13. #13
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Cheakychops Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2007
    Posts : 38 (0.01 post per day)

    Default Re: Cheakychops v Royal Bank of Scotland

    Thanks

    Follows
    0
    Following
    0

  14. #14
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    isidore Informative isidore Informative isidore Informative isidore's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Aug 2006
    Posts : 1,616 (0.37 post per day)

    Default Re: Cheakychops v Royal Bank of Scotland

    CC, you have 14 days now before you need to file a claim in the courts (assuming you don't get offered a settlement in between). If you haven't got much patience, I'd advise you to wile the hours away reading through the court process NOW rather than asking lots of questions once you have filed.

    Hopefully you will see the benefit from doing the time now and getting yourself prepared. You are, after all, taking on a quite a large company....

    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 2794 SETTLED!!! RBS CA2 503 SETTLED!!! HBOS CC 498 SETTLED!!! Barclaycard 705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!
    Follows
    0
    Following
    0

  15. #15
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Cheakychops Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2007
    Posts : 38 (0.01 post per day)

    Default Re: Cheakychops v Royal Bank of Scotland

    Ok thanks for that.

    Follows
    0
    Following
    0

  16. #16
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Cheakychops Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2007
    Posts : 38 (0.01 post per day)

    Default Re: Cheakychops v Royal Bank of Scotland

    Ive just recieved this 8 days after the lbaicon was sent how long do i give them now?? do i still give them the full 14 days then would you email them? or would you email them and tell them they got till the 14 day deadline
    here the letter

    ETA; taken out it was huge

    Follows
    0
    Following
    0

  17. #17
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Cheakychops Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2007
    Posts : 38 (0.01 post per day)

    Default Re: Cheakychops v Royal Bank of Scotland

    Cant rezise it sorry x

    Follows
    0
    Following
    0

  18. #18
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    isidore Informative isidore Informative isidore Informative isidore's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Aug 2006
    Posts : 1,616 (0.37 post per day)

    Default Re: Cheakychops v Royal Bank of Scotland

    Lol!!!

    You could have typed it!! There's not much to write

    Just wait until the 14 days are up, no need to respond.


    If my post has been useful, tip my scales and let me know

    Always start with the User guide!
    Stuck with RBS charges? Click here!!

    RBS CA1 2794 SETTLED!!! RBS CA2 503 SETTLED!!! HBOS CC 498 SETTLED!!! Barclaycard 705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!
    Follows
    0
    Following
    0

  19. #19
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Cheakychops Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2007
    Posts : 38 (0.01 post per day)

    Default Re: Cheakychops v Royal Bank of Scotland

    Oh right ok then roll on wed..they better answer.

    Follows
    0
    Following
    0

  20. #20
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Cheakychops Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2007
    Posts : 38 (0.01 post per day)

    Default Re: Cheakychops v Royal Bank of Scotland

    Still no news im getting scared now any advice you peeps can offer me for the next stage im just filling in the money claim forms ready
    many thanks for any advice please

    also where do you send the court claim the only adress i have is retail support where sandy is

    Follows
    0
    Following
    0


Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details