Paid in full - thankyou.

Hello Can anyone tell me how long to wait for my money before sending bailiffs in to RBS?? Its been nearly 2 weeks now since judgement was made. Thanks Vicki

Hi I got judgement on 2/10 - how long do I have to wait till I can send the bailiffs in? Thanks Vicki

Hi all I have just requested judgement against RBS - they did not put in any defence for my claim at the court. Will let you know when i hear anything. Vicki

Hi Notice received from Northampton County Court today, signed by Kay Majid Solicitor, stating they intend to defend all of the claim. Got until 28th Sept to do it, so fingers crossed. Hope I am not a test case lol Vicki

Hi again I meant to ask - if they hadn't taken the charges from my account, (over £400)I would not be over my limit(by £22) - they are charging me £12, which seems to be the agreed amount, but could I claim it back? If so how would I go about that, as I have already started court action. Thanks Vicki

Court Claim was acknowledged on 31/8. Now have to wait 28 days before I can progress further - 28/9. Trouble is they are now charging me £12 overlimit fee, which I wouldn't be if they hadn't taken the overcharges before - you sometimes can't win .....................

Not got the money yet lol. It was Southend on Sea that refused payment so it will be interesting to see what happens. Vicki

Hi I tried to post in Litigation started thread but I don't have access? Court proceedings started 23/08/2006 Amount £301.00 Interest £58.91 Court Fees £50.00 Total £409.91 Case Number - 6QZ57443 THanks Vicki

Hiya all Talk about making life difficult!! I have filled in the moneyclaim ok and done all the calculations, but now money claim advised me to take advice on which RBS address to use to serve the claim. They said it should be the registered office which is in Scotland, and as such I cannot go down the moneyclaim route because its not England!! They suggested I took advice before proceeding - so here I am. Any advice please? Where do i serve my claim to? If it is Scotland how do I make my claim? Many thanks Vicki

Wohoooooooooooooo!! They have offered me full amount - just have to sign the letter and send it back - no conditions. Thanks all - when i get money will make a contribution to this wonderful site. Vicki xx

Hi Thanks for all the info. RBS have refused any payment and say the charges stand, so am sorting the court claim this weekend to post on Monday. Thanks will let you know how i get on Regards Vicki

Hi I had a response today from RBS stating they have reduced their charges now to £12.00, and that previous charges will stand. I assume I need to take out court action now. I know its only £301 but thats alot of money to me. I am not sure what else to claim for either, and how to work out any interest? HEELLPP!! ( sorry to be so pathetic) I know I must also claim the court fee but its the interest that throws me? Thanks Vicki

Hi I received an offer of part payment today - no chance. I want it all - after all its MY money. Regards Vicki

No response to first letter - second letter sent friday - 14 days .................

No response yet - 2nd letter posted Friday. 14 days......

Letter sent today requesting £772.00 refund. 14 days and counting....

Letter requesting payment of £301 posted 15/7/06. 14 days and ticking.....

Hi Just to note for interest. I had my statement from RBS cc today. The note at the bottom now states that from 28th June 2006, default fees charge has now been reduced to £12.00 Whooo hooo - about time!! Regards Vicki

Thanks very much Regards Vicki

Thanks Michael for advice - Will sort it this weekend. Regards Vicki

Hi I wrote RBS CC asking for account details, and I received the copy statements today. There are a couple of things I am not sure about. On them are four different charges - Overdaft Fee Late Payment Fee Convenience cheque fee Unpaid convenience cheque fee. Am I able to claim for them all? Thanks for anyones help on this. Regards Vicki

Hi Written confirmation of request for statements from HSBC today, and cheque returned. Should I wait for them to send me the statements, because I have printed them from online? Regards Vicki

Hi I received a phonecall from M&S Money CC yesterday to confirm what I wanted from them. It arrived recorded today - guess what - no charges made lol. Oh well one down and 2 to go .... M&S have proved to be ok even though I went over a couple of times, they made no charge, and were very prompt and friendly in replying. Well done M&S Money. Now for the next 2 - wonder how long they will take? Regards Vicki

Thanks for encouragement. I eventually found my old statements on line, and worked it out to £774 - but I will wait for HSBC reply first just in case. That money will certainly help......