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scotsboy67

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  1. Thanks for the replies BigMac and DGM. You are right about the amount being over the level for the small claims (I would be claiming in an English court) and although I could complain to the FSA I think I'm going to accept it. Better in my bank account than in theirs!
  2. Hi I've also been offered a part settlement from RBS. My LBA was sent to them at the beginning of the month and they first send a holding letter and then followed it up with an offer within the 14 day timescale. Thing is my claim is quite substantial (£7k plus) and they have offered me a settlement at about 75%. I know that by rights I can take it further but due to the amount of money involved I'm very tempted to accept to save me the hassle of fighting them any further. Anyone got any thoughts? Thanks
  3. Hi guys Thanks for your help. Sorry its taken a while to respond but I've not been on the site for a few days. I've taken the plunge and sent my prelim letter, statements and spreadsheet off to RBS. I've received a prompt holding letter and await their further reply. I'll let you know how things go. Thanks.
  4. Hi Has anyone used, or heard anything about credit repair consultants? I've found some on the net offering to repair your credit history for a fee. They guarantee that they can do this legally and within seven weeks from your application. They also offer a money back guarantee. If anyone has used them before then I'd be graetful for any info. Thanks.
  5. Hi T4FF Thanks very much for the detailed response, you've made me feel a lot easier about a lot of things! As you say there is a lot of very useful information on the site and I'm currently trawling through other people's advice and experience before I submit any claim. Only one thing I'm left unsure about is whether you can claim more than once as you sugesst in your mail. I've read elsewhere that you can't split a claim in two in order to pass it through the small claims and that banks won't entertain anyone claiming twice on the same account. If anyone else has experience of this please let me know. Thanks again for your help..I'll keep you posted! Cheers
  6. Hi all I've decided to finally take the plunge and attempt to reclaim my bank charges from RBS. I've obtained my bank statements for the last 6 years and added up all the charges I've paid and it comes to around £8200 which I know is quite a lot. I've got a couple of questions though I was hoping someone could help with, before I start the process.. I'll be claiming in an English court (if it comes to it) and the limit on small claims is £5k. Does this mean I need to appoint a solicitor and claim through another court? I read somewhere else on the site that claiming a larger amount can actually be beneficial. Can anyone direct me to where I might find this info please? How have people found dealing with RBS on bank charges? I've banked with them for over 10 years and in general have been a good customer however I experienced some financial difficulties over the last 2-3 years (which I have now got on top of) and I think this has had a detrimental effect on my bank's view of me as a customer. Finally, my difficulties over the last couple of years have affected my credit rating so I've been finding it difficult to open up another current account (as a parachute account) however I have managed to open a basic cash account with another bank. Should I risk RBS closing my account if my only other option is a basic cash account elsewhere? Sorry for the length of this e-mail but if anyone out there can help me with any of these points I'd be very grateful. Thanks.
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