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    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
    • Hi and thanks It looks like they ticked all the boxes to me but I'll try and upload the notice. I was wondering if a witness to late delivery might be considered proof - I'm assuming they posted it as normal but Royal Mail stuffed up delivery. If not then they're really saying it just has to be posted within 12 days of the incident, regardless of when it is received. Annoying! edit ok thanks Honeybee here's my 2nd (actually 3rd) attempt at anonymising, copying and uploading the notice! Sorry about the state of it - I sat on it while distracted by my dog 🙃 pcn front.pdf pcn back page.pdf
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RBS student OD A/C - New claims - how far can we go?


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Hiya

 

I am beginning the process of claiming and after lots of reading up on the website have just about figured the process out. I know about the test case and that at the moment claims have been put to one side until further notice. However, some have said to submit the case so to get the benefit of the 6 years of bank charges.

 

My question is, once the SAR has been sent to my banks, and the CCA to the DCA have been sent,how far can we go? I mean once I have calculated how much I am owed in charges (believe me it is a fair amount), can I get straight on with the preliminary letter? How much of the process can be completed while the test case is running?

 

Cheers

 

x

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You can go right upto filing your claim at court ..... using the N1 direct to your court once a defence is submitted however this is where your case will most likely be stayed ........ but you will then be in the 'system' ready for when the test case is sorted :)

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Calculate your charges and get reclaiming.

Remember to claim for everything you can prove, so if you have 10 years worth of statements include them ALL.

At the end of the day it's up to the banks to show we can't claim further than 6 years anyway.

 

Send a S.A.R to the bank and a dispute notice to the DCA telling them that you are disputing the debt due to charges.

Be VERY careful whose advice you listen too

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wow - you guys are fast!

 

Ok so the dispute letter to the debt collectors (BCW), can the CCA I am sending be classed as a dispute letter? I have printed off 2 letters for them which I was going to post tomorrow, a CCA request letter, and another saying that I will cease payments and to hold any action on my account whilst it is in dispute. (I began paying to get them off my back, paid £1500 in one year, another £2100 to go - ridiculous RBS charges).

 

Is that enough to be getting on with while I wait for my statements come through?

 

Thanks x

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Hi

 

Just looking for someone to talk me through this as you guys have obviously had experience with RBS. Now then, I had a student account with RBS whilst at uni. My overdraft was £1800, and being a student, i used most if not all of it. HOWEVER, I also have another £1800 worth of charges, I am paying back a total of £3600 (disgusting!).

 

RBS passed my account onto BCW debt collectors, I'm assuming they sold my account off to them as I have not heard a peep from RBS and they put a default on my credit file. I have been paying £70/month, on a regular basis, for just over a year now, and still have £2100 to pay.

 

I have began the process of sending off for statements/cca to the DCA.

 

Can the DCA chase me while I am waiting for the statements? I have explained that I will not resume payments on the account until the matter is cleared up as the account is a result of bank charges, after I have received the CCA, and asked that they take no action on the account for at least 28 days. Do you think that's ok?

 

Has anyone else had a similar experience ?

 

Thanks x

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Hiya minichedda, you have queried your account and disputed the balance so the only way the Bank or the DCA can enforce their claim is by commencing legal proceedings against you for recovery and the longer they leave it the closer you will be to issuing your own proceedings for recovery of your charges.

 

I would recommend as soon as you have worked out the total value of the charges and interest they have taken from your account you pay any difference to leave just your claim value outstanding.

 

Most DCA's will try to recover any balance they have on their books but they have no legal backing to do this until they have successfully taken you to court.

 

pete

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