latest news - ps looking very good!! I filled in the AQ questionaire and used the correct payment excel spreadsheet template from this site , sent this information to the court and have since recived a pay off letter from cobbets they have offered over half of the disputed amount (not including court costs) should i go to court and see what the outcome is or send them a letter asking for more money and i will cancel the court case! (maybe 2/3 of the case) cheers

hi Bookworm, thanks for your reply, very useful indeed!! yes to clarify the points 8 + 9 I filed for judgement on day 30 at 7.30 am on moneyclaim.co.uk it was the same day the defence letter arrived at moneyclaim so they rejected the judgement . They have now posted me the questionairre and have since passed me over to Altrincham , i am going to fight and win!!

thanks guys that gave me a well needed lift! Yes Rob that is pretty much what happened I will read through the forum and continue the fight - It would sure be worth it in the long run!

okay history first over the last 6 years I have incurred the following charges in the following catergoris Upaid Fees - Mis-use - Referral - Interest -Unknown it all comes to about 4.5k here what i did 1. I sent letter one asking for statments -RBS posted within 30 days 2. Posted my £10 for the S.A.R - (Subject Access Request) - Re. RBS letter asking for £10 S.A.R - (Subject Access Request) 3. sent letter two - asking for my money - RBS requested breakdown of unfair fees 4. Sent full detailed list - RBS claimed they were fair and see me in court

okay i have just realised I can only claim back for six years - duh me

between the period 30/12/98 - 26/5/06 I have incurred the following charges Upaid Fees Mis-use Referral Interest Unknown Total 1335 720 1220 596.74 2240.06 6111.80 1. I sent letter one asking for statments -RBS posted within 30 days 2. Posted my £10 for the SAR - Re. RBS letter asking for £10 sar 3. sent letter two - asking for my money - RBS requested breakdown of unfair fees 4. Sent full detailed list - RBS claimed they were fair and see me in court 5. Told to claim at registered of