Hi Martin, Thanks for the reply, based on your reply, I think i will leave my original claim as is and start another one up once my original one is settled (if it is). Good luck. Peanut.

Hi all, Glad to see you are all keeping up the good fight. I am at the stage where i have a court date of 30th November, my claim is for 1980.00 in cahrges and 100 + 120 court fees, Cobbetts made me an offer of 1100.00 on 6/10/2006 which i declined verbally over the phone, i have not heard anything since then. My bank are continuing to apply charges to my accounts and this is now snowballing, i have today phoned the bank and requested that they refund the charges back to my account(the ones that i have incured since i started my claim and are not included in my original claim) less the 12 quid that has been deemed as a fair charge i.e: 38.00 charge, less 12.00 = requested 26.00 refund on each occasion, the woman i spoke to at the bank was very rude and refused to even look into it, this has now rattled my cage again and i am on the war path. Q What is the best way to go about claiming these more recent charges back, i think i have seen somewhere on this site that you can add these charges to the original claim, or is it better to start the whole process again for these latest charges? Peanut.

Hi all, as no one seems to read my thread i give you all a quick update as to where i am up to with the RBS. Phoned up the court yesterday to see if they had a look at the case yet, they say i should hear from them in a week or so. Got home today to a letter from Cobbetts: We refer to the above matter. Our client consideres that your challenge to its charges would fail in court. Our client believes that its charges are fair bla,bla,bla, our clientdoes not believe that your claim has any prospect of succeeding. However, as a gesture of good will, bla,bla,bla, our client is willing to offer you a good will geture of 1100.00. I do not intend to accept this offer as it only equals half of my claim. I must reply to them by Friday the letter states, any advice on a response, not to good with letters. Peanut

Hi All, Just a quick update: Phoned the court today to get an update, they say that my case will be looked at this week so i should her from them next week. Any ideas as to what i should hear from Cobbetts once a court date has been set? Cheers Peanut

Nice one Bigcol, Glad to hear you got your settlement, hopefully get somewhere myself soon, you enjoy X-Mass mate. Peanut

Hi All, I have today received a coppy of the allocation questionare that Cobbetts submitted, I noted that they had ticked the Yes box for the question Do you agree that the small claims track is the most suitable track for this claim. And they have included a photocopy of the response letter and schedule of charges that i sent to them in response to there requesst for more info. Is this normal ? Keep up the good fight. Peanut

Hi All, Handed my questionare to court offices with 100.00 fee today at 3.20pm, will wait to see what happens next now. Peanut.

Hi Dave, Ive had about another 300 quids worth of charges since i started, will they never learn. Know the skint feeling. GL,M8

Hi All, I have just posted my reply tp Cobbetts & will hand my questionare to the court offices tomorrow (deadline for reply to court is 27 Sept). I have noted in my letter to Cobbets that my bank have been sent my schedule of charges on 2 previous occasions. Will sit and wait for letter from Cobbetts now. Some of you have had some form of offer by this point, would there be any particular reason in your opinions why i have had no form of offer at any stage? Soldier on.

Hi All, Glad to hear some of you are sorting these banks out & winning your causes. I am at the point where i have written my reply to Cobbetts and am including a schedule of charges, these are ready to post. I also have my Allocation Questionare which has to be returned by 27th Sept, i am about to complete the AQ but dont want to make any mistakes after this long saga, can any of you offer any assistance for completing the questionare. Cheers, Peanut

Cheers for the reply Dave, i am ready to sent my letter to Cobbetts (used template from Agusta109s thread, i am including schedule of charges showing interest against each charge and cumulative figures. I am about to complete my Allocation questionare, are there any templates advice located anywhere to assist me to complete the questionare? PS UR A GOOD MAN

Used the interest calculator on this site, rate 8%, now i have calculated interest against each individual charge i get a different figure, out by 4.54p in total so back to my original question, shall i just put a rounded up figure for interest to Cobbetts or shall i itemise each one and hope they dont get a calculator out and add all the little bits of interest up and find i am trying to claim 4.54 more in interest than im entitled to do. Mistake must have been on my original calculation, checked and double checked this time. Please help

Thx Ruby/Dave, i will follow your advice.

Hi All, I like you all am after refund of charges with RBS, ive been reading your threads and have a couple of questions if anyone can help: I have received what appears to be a standerd letter of defence from Cobbetts, Part 18 ect, I have also received my AQ questionare, i am proposing to reply to Cobbets with the letter in Agusta 109s thread but at the foot of the template it suggests one figure to be entered, Q. what does this figure represent? And a lot of people are talking about a spread sheet showing details of particular charges and dates ect, I originally sent RBS a list of Dates and the particular charge taken on that date and then i gave a cumulative figure for interest,(i did not detail interest against each date and charge) Details of each individual charge................... 25/01/2006 35.00 11/04/2006 35.00 ect ect i.e: Total of charges 1726.00 + interest 254.30 total of claim 1980.30, can i send details in this format to Cobbetts?

Hi All, I like you all am after refund of charges with RBS, ive been reading your threads and have a couple of questions if anyone can help: I have received what appears to be a standerd letter of defence from Cobbetts, Part 18 ect, I have also received my AQ questionare, i am proposing to reply to Cobbets with the letter in Agusta 109s thread but at the foot of the template it suggests one figure to be entered, Q. what does this figure represent? And a lot of people are talking about a spread sheet showing details of particular charges and dates ect, I originally sent RBS a list of Dates and the particular charge taken on that date and then i gave a cumulative figure for interest,(i did not detail interest against each date and charge) Details of each individual charge................... 25/01/2006 35.00 11/04/2006 35.00 ect ect i.e: Total of charges 1726.00 + interest 254.30 total of claim 1980.30, can i send details in this format to Cobbetts?