This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

I got another letter from Credit Management Services, despite the fact they said that the issue was being handled by their Customer Care Team. Anyway, the letter shows utter confusion methinks. This letter was dated 13/07/06, so at least the replies are getting quicker. That letter was so wrong for a few reasons. Did they not realise that i meant i wanted them to pay it to me?! Did they just totally ignore my credit register request? Are they just ****ing thick? Probably the last one. Anyway, my reply was as follows- Has anyone ever encountered such absolute incompetence? Exceptional to want £356.94 as full and final payment? That's the actual balance they think i owe them!

I then received this reply I assume no-one else has tried to get their charges off RBS yet because apparently i'm the one that has brought it 'to their attention' I'm quite enjoying the letters stage of this, so i might keep it going for a while longer. I'm causing letters to be sent and inter-depatmental communication, so that will cost money to them. 4 days to the reply! (allegedly)

Sorry, haven't been on for a while but letters have been sent back and forth. First, i was told my letter had been lost, and when i informed them that i had sent it by recorded delivery, they suddenly discovered it had been moved to another department. ANYWAY, their response to the LBA was as follows There is so much wrong with that i don't know where to start. Yours sincerely from 'Customer Services Manager'?!? Anyway, my reply was as follows-

This is the office you should send an LBA to if you are in default as i sent it to the Head Office and they forwarded it to this place. Probably a stalling tactic, but worth knowing anyway.

Still no reply. Going to raise an action now for sure, even gave the grace of being a few days late.

Righto, it's been 8 days since i sent the letter (by recorded delivery), and i've had no reply. Do you think it would be a bit fast to raise an action right now? I did state that i required them to reply within 7 days and this hasn't been done.

Could i ask how much of that £1500 of made up of charges? And were you claiming that £x of charges plus 8% was deducted from the total?

Got through the bank statements today and i was charged £35 3 times for 3 returned DD's. Add an unauthorised overdraft limit of £10 p/m and interest, and that made the £356.94. What a racket, eh? Writing the LBA now. thegoodsamaritan - i didn't accept the £100 settlement, so going for the full amount. Wish me luck!

I'm a poor student and i actually could do with £100 in my wallet instead, so i'm just gonna sue for the full amount methinks. Awaiting the statements in the next couple of days, so i'll fill you all in when that time comes.

Currently owed £356.94 for 2 DD (1 for £4!) that were not paid, and as a result this charge has been generated. They threatened to take legal action against me and i received a solicitors letter today telling me i had 7 days. However, i requested all my statements last week (told 5-7 days at first, and now it's 10 days, what a shock), and plan to send an LBA immediately. I called the Credit Management services and was told if paid £100 towards the debt, then it would be cancelled off (in essence, a £256.94 settlement). I refused this, letting the person know that offering £100 off the money they claimed to be owed is farcical, but i'm wondering if i should have accepted the offer and then proceeded with an action to recover the £100 afterwards. This wouldn't be looked upon as greedy, would it? Although i doubt it'll get anywhere near court, i hope this doesn't go badly against me.

"In the example given you would Minute for the principal sum sued for (eg. £49.99) with judicial interest at 8% per annum until payment with expenses" From the Govan Law Centre site, so i assume that's a yes. However, that's only for undefended actions and it doesn't say anything about defended ones. Mind you, they never seem to bother defending themselves anyway Quite an interesting thing there about being awarded £181.30 in fees in the result of a no-show from the bank, which is a tidy bonus to say the least.

I've seen several threads in which this 8% is mentioned, as well as the FAQs. However, this relates to the County Court actions, which is relevant to England/Wales. Is the position the same in Scotland? And this is my 1st post so hi I'm glad people have come together to fight this evil. Together we'll beat them.