Hi

I am a newbie to this site and find it fantastic, there is light at the end of the tunnel!!!

I have requested my bank statements which I went through with a fine tooth comb and a highlighter today and one of my accounts has had £1033 worth of charges between 2002 and now!!! I am still waiting on bank statements for my joint account!

I have been reading quite a lot of threads and it seems that very few people from Edinburgh, or who write to Edinburgh for their money back don't seem to get it? Has anyone received settlement in full from an Edinburgh based RBOS??

Also the terminology seems to throw me, I hope I get guidance from all you experts as to the legal side of it if the bank does not respond to my first few letters, the first is ready to go, I just need to add on the other bank accounts charges.

Another question, is it reasonable to ask for overdraft charges back even although I had signed an extended overdraft application form informing me there would be a charge for this??

Thanks for everybody's threads it makes extremely interesting reading!!!!!

Hi,

I live in Edinburgh and sued through Edinburgh Sheriff Court.

I'm with the BOS. They settled but waited until the day before my court return date. Just to get my goat up! Starting another claim shortly.

Best wishes, hope it all goes well.

I have just filed 2 claims in the sheriffs court in Aberdeen, 1 for Barclaycard and 1 for Marbles. Return date is 16th November so will just have to wait and see what happens. However, i am also claiming from RBS visa, mastercard, my account and a joint account and have sent LBA's to all 4 but so far no response (14 given was 2 days ago) so will be filing in court again for all 4.

Did you find it easy going through with court action? It looks quite complicated, although that is not going to stop me if I have to!!!!!

Alison

I am logding 2 prelim letters to RBOS, one is my own account and the other a joing account, but both have my name on them.

Do I claim for 2 seperate accounts or can I claim these together?

Any help will be appreciated!!

Alison:|

Claim together Alison as long as under £5k small claims limit

Stacy xx

It looks really complicated but it was actually quite easy. I am hoping to file 4 claims tomorrow in sheriff court in Aberdeen, RBS Visa, Mastercard, My account and my joint account about 4000.00 in total.

Got my statements for all 4 RBS, then sent a preliminary letter off to each(template taken from here) . Got a reply basically saying 'sod off'. Sent off LBA's for all 4 (template taken from here again). Got no reply (14 days were up on Mon). Have given them a few extra days, but now am ready to go to court. Will put the RBS visa and mastercard on one claim and my account and my joint as 2 separate claims as they are over 750.00. Best advice i can give is to read all the FAQ's and potter through the RBS threads before you do anything. The more info you have under your belt the better. I found it a little confusing at first but it def gets eaiser the more you do it. And dont be afraid to ask questions even if you think they are daft lol. Anything you need to know just ask, i will try and help, although i'm quite new to this myself. Only started at begining of Sept. But it does work. Have had offers from Barclaycard and Goldfish, although i have not accepted Barclaycard as they will only give me half of what i'm cliaming for, so have filed in court against them and am in negociations with Goldfish at the mo. Good luck.

Pauline

Thanks very much stacey, what address did you send your prelim to? I have about 4 and not sure which one, someone in the chat room suggested London?

Thanks

Alison

Thanks Unicorn 96!

I am trailing my way through lots of threads and FAQ's and it is great the support I am getting from this website.

I got the rest of my statements through this morning and am ready to send my prelim!

Not sure which RBOS office to send it to, I live in Edinburgh and there are about 4, someone suggested posting it to London.

Alison

to your branch address alison xx

I had a huge fall out with my branch last week so doubt they will do anything about it, will I send them a cc copy?

Alison

they've got to pass it to the relevant department Alison, there is the group Litigation address in London. send it to both hun.

Send to:-

Customer Relations Unit

Retail Support

The Forthstone

56 South Gyle Crescent

Edinburgh EHY12 9LE

for the attention of Tommy McLean, Customer Relations

Thats where everyone tends to send their stuff and where all my replies came from

Pauline

Thanks, will let you know the outcome!!

Hi Alison,

hopefully waiting on a full settlement, coming through the post, and my lba, is only 7 days in, already been offered more than half, of what i'm claiming for.

Have a look at a thread by andrew1, you can search for it. there is a couple of interesting letters on there, and keep me posted of your progress, maybe i can help you through this without the need for court.

kevin.

Hi Alison, kevin again, don't send any letters, till you have, received something back from rbs, you can maybe follow the route i took, just keep me in the loop with whats happening.

ps. I sent my letters, to my local branch, all recorded delivery, kept the receipts, and could trace, when they received them, then i got the fob off letter, from a tommy mclean, thats when i sent a couple of e-mails to him, and i'll send them to you, when the time comes.

chin up

Thats brilliant Kevin, thanks for all your help, it definately keeps me positive, I can't believe my charges have mounted to £3343!!! How can they take that much money from people, it is horrendous!!!

I take it you mean no more letters after the prelim letters?

Will search for your thread, and thanks again, everyone on this site has been so helpful!

Alison

Sorry, me again! Put in Andrew 1 and there are loads of them, do you know which one it was to save to scrolling through them all?

Thanks

Found it!

Cheers

Hi Alison received letter offering me full settlement, hopefully i can get you the same.

let me know when you get a reply, from your pre-lim, it will probably be from tommy mclean, then we'll take it from there.

Have received my infamous 'beat it' letter from Tommy McLean!!

Do I wait until the 14 days are up before sending LBA or just send it now? Or should I email him first?

Alison

Well done you getting your settlement? Did you get full amount???

Cheers for all your help in this!

Alison

Hi Alison,

if you personal message me with your e-mail address, i can send you the e-mail i sent to Tommy, you can e-mail him, and send your lba away, as they have replied to you.

if you need anymore help, just get in touch, just p.m. me