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Everything posted by jarogold

  1. I am pleased that there seems to be a general agreement on this and it is in my favour!! I have to put the car back in this week for a repair which is being carried out under warranty so will put off writing to them telling them i have no intention of paying for the repair, until the work has been done and i have my car back. Otherwise, they may keep my car until i agree to pay up!! Will keep you posted of developments Thanks everyone for your comments.
  2. Well, i did say that to them but added i would take advice and get back to them when i was sure of my legal position...
  3. The garage insured it and the excess is £500.
  4. I put my Nissan Xtrail in for a service before christmas and was given a courtesy car for the day which i returned when i collected the xtrail at the end of the day. I received a call the following morning from the garage to tell me that the front lefthand bumper was damaged and that it would cost approx £350 to repair and they wanted me to pay for it. I told them that it had not been damaged whilst i had the car and that i will not be paying for the repair. I did not inspect the courtesy car before taking it away and did not sign any document to say it was in good repair when i took it away. For all i know the damage was already there when i took it away or it was done after i returned it. I pointed this out to the garage but they insist that it was done whilst i had it. I was wondering if anyone knows my legal position here as they are pursuing me for the cost of repair. Any advice would be greatly appreciated
  5. Mairi, just wondering why you advise not to run claims at the same time. Also, I am sure you need to have an english address to make the claim through the english court system so not really possible to do that if you dont have one?
  6. Thanks for that. It was a limited company and dont know if debts were cleared or not. If not, what would be chances of creditors finding out and pursuing for their money? Also, if they had to go down the route of going to court to get their money what would be the name of the pursuer - do you think it would be in one of the directors names seeing as the company no longer exists?
  7. I have a friend whose business was liquidated and they are wondering if it is still possible to claim for all the bank charges which had been accrued over the last 5/6 years. Obviously the business account is now closed (was with RBS) and the business no longer exists but is keen to reclaim the charges as they amount to approx £6000! Any advice would be appreciated
  8. My claim for £750 was settled two weeks ago and I wrote to them "without prejudice" advising i was intending to pursue further claims, asking if they would settle now to avoid further court costs. I didnt hear from them so phoned on friday and they told me that they have to follow standard procedure and would not settle and i have to submit a further claim as before. I did tell them it seemed a waste of time and money on everyone's behalf considering it would be settled anyway which they agreed with but they had to abide by the banks policy. So i am submitting another claim tomorrow and hoping it will be settled quickly as i have read various threads saying that subsequent claims are generally settled quicker than the first.
  9. Hey, just to let you know i got reply back from RBS accepting to settle at the 80% and are sending cheque within next 5 days.
  10. Just thought i would let you know that i recently wrote to royal bank of scotland re a business account that had been closed since february 2001. However I chanced my luck and asked for charges to be refunded from August 2000 until the account was closed in feb 2001 (ie 6 years ago). Got reply two weeks later offering me approx 60% which i replied that if we met half way (ie approx 80%) i would accept their offer just to get quick settlement. That was last week so am just waiting for their reply now.
  11. Ok, never mind, was an interesting read anyway. Looks like I will just have to go through the court system to get my money back. thanks for your help anyway :oops:
  12. Thanks for the address. I notice however that you have put "(credit cards)" after it but my account is a business account. Would I still send my complaint to them?
  13. I know, I was only kidding. Totally understand that giving out his personal details could jeopardise his job. I was really just looking for an address where the executive complaints department is based so I could write direct to them instead of some customer relations dept who dont seem to have a lot of authority?....
  14. Thank you for your kind words of wisdom. I am proceeding today with the claim against B of S for my personal account and when they go to settle out of court will try to get them to agree to just settling the whole lot rather than go through with a whole lot of claims for £750 which will take forever. And I will wait to get the written reply from RBS and maybe phone them again for one last try assuming they are still not going to cough up! Will keep you updated...
  15. Just want to thank you for posting this thread - i first read it in the RBS section - as it really inspires you not to give up. Jjust wondering if you have an address for the Executive Complaint team as think I might give them one last try before taking legal route. Also, your brother seems like such a sympathetic guy so if I write direct to him I might get the reply I am looking for!!
  16. Just to say I followed your advice and sent a final letter to RBS (and B of S for another account) saying unless I got a favourable response from them by 21st August I would consider taking my story to a national daily newspaper. I still hadnt received a response from either of them so I phoned them both yesterday. RBS said a letter was coming out this week to me but it sounds like they were only going to be reconfirming their previous position, and B of S said their position still stands and they will not be making any further offer. So unfortunately it looks like court action is the way I am headed...
  17. Well, I did not receive a reply to my letter so I sent another one asking for a reply by the 21st August otherwise I would consider taking my story to a national daily newspaper - I got this idea after reading the thread by Telewest. And I still did not receive a reply so I telephoned them yesterday to find out what was happening and they said that a letter was being sent out this week reconfirming their position. When I asked him to clarify what he meant by this he basically evaded the question which I take to mean that their position is that they wont be settling but I shall wait and see. In the meantime, i had also followed the same procedure for a personal account with Bank of Scotland and I also hadnt received a reply to either of my letters so I phoned them yesterday. Their position was the same as their previous letter which was an offer of about 15% of what I am looking for. When I explained to them that I had been following this forum and that I had been advised to pursue them for the full amount and that that is what I would be doing if I didnt get the full amount returned to me now, I was basically told to go ahead! So I am now feeling rather deflated. I did explain to them that surely it would be in their interest to settle now instead of having to pay out interest and court costs in addition to what I was claiming now, but he seemed totally unbothered. So I have now prepared my Claim and will be taking it into Court tomorrow to start the ball rolling. Here goes....
  18. Okay, thanks for that. I just got your message after posting the letter in the postbox outside my house, but I think I might just send the same one addressed to the Director aswell and see who responds first - gosh you never know, I might get my money refunded twice!!
  19. Yes i can see your point but i'm just nervous that if i start sending correspondence to another department everything is just going to get lost in transit and it is going to take even longer. i'll check through some rbs contact details on this site and see what they say. Many thanks for all your help and particularly for sending me copy of the letter you sent to your bank. It makes perfect sense to me so lets hope they agree and dispense with the need for all this unnecessary litigation nonsense!
  20. Thank you so much andrew1 for your reply - it is most informative. You have rebouted my confidence and i will be sending a letter off to them today. Will let you know what response i receive when i get it. Although, i have been dealing with tommy mclean and i read on another thread earlier that he is currently away on holiday at the moment - the wheels of industry move very slow but i guess he must be exhausted with all these complaints he will be dealing with at the mo!
  21. Hi, this is my first post and wondering if anyone can help me. I am claiming charges from RBS for the last 5 years. Sent my initial letter to them asking reimbursement and received a standard letter back today saying that "charges are fair, reasonable ..." which is what i expected. However at the end they said "OFT has made clear that their review does not cover business accounts, which operate under different t & c from personal accounts" and referring me to my business manager. Is this true? I already approached my business manager and he wasnt very helpful hence the reason for going direct to the customer relations unit. From reading various threads on this site i was led to believe that people were successfully reclaiming bank charges on their business accounts. Any help would be much appreciated...
  22. Hi, just read your thread re above and note that it relates to personal account holders only. I have several business accounts with RBS and was wondering if you knew what the correct procedure is for businesses. Should I deal direct with my business manager or approach a central department. I made a preliminary approach to him and he offered me £500 and I am looking for approx £7000. Dont want to rock the boat with him too much as it might jeopardise my business. Any advice?
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