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gargoil v RBS ***SETTLED IN FULL***


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Preliminary letter chasing £363 ready to be handed into local branch on Monday. Kind of actually looking forward to handing it in to put the ball in their court. Also sent a copy to each of the RBOS contact email addresses in the sticky thread yesterday and got a reply saying they were being forwarded to the appropriate people so the clock is ticking. I used a letter combining parts of the CAG and Govan Law Centre preliminary letters! :)

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Keep us posted.;)

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I thoroughly recommend to anyone who has ever been ****ed of by a financial institution to hand deliver rather than post letters as today was the most fun I have ever had in a bank. My adrenalin was rushing from the moment I stepped in the door. I just stood in the queue for cash and then said that I needed to hand in a letter but I needed a date dreceipt. They asked what it was and I gave them a wee indication and then it was basically, "You'd better speak to the manager!" So over came the manager who I spent several minutes arguing with as she didnt want to give me a receipt but was I taking no for an answer? Not on your life! She tried to say she had no standard way to give me a receipt and that I'd be better posting it to customer relations myself as it may get "lost" in their internal mail. I replied that it was mor eimportant for th ebank than me that it reached the approrpiate person. I eventually manage dher to give me a receipt and then it was back on with the sunglasses and I strode into the sunlight already starting the 14 day countdown for my LBA which is already stored on my hard drive ready for action!!! :D

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Oh it feels so good to be taking back control doesn't it. Well done.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Received a standardised fob off letter from Tommy McLean today which was quick!

 

"We believe our charges are fair...blah,blah,blah"

 

Basically **** off!!!!

 

I'm going to stricktly keep to my timetable, sending off the LBA on the last day of the month (14 days after prelim letter). Should I consider sending an intermediate letter this now in reply or just wait?

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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They have already given their reply, so you could reply by sending the LBA now. They have very kindly replied well within your 14 day timetable, so on to the next stage now I would suggest

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Cheers caro LBA off tomorrow it is then!! :D Enjoying this!!!!

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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email sent to Tommy Mclean, post a letter verion tomorrow morning!!! 14 day countdown begins!!

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Received this reply immediately so I have forwarded it to Ross Mcdonald as requested and put contact details in the RBOS sticky....

 

I'm out of the CRU on annual leave, returning on24 July.If you need a

response on a general CRU matter before I'm back, please e-mail Ross

McDonald (or contact him on 0131 523 3240).

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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  • 2 weeks later...

Just got charged £35 for going £1.80 overdrawn. Can I add this on to the schedule of charges that I will be handing in with my court papers this time next week if theres no answer to my LBA?

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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I don't see why not.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Well second nicey nicey politey politey fob off letter received from my friend and yours Mr Tommy Mclean. I hope he's not on commision for fobbing people off going to court as that is precisely where we'll be going. Will keep you guys posted. Getting exciting now. Now claiming £398+ interest+fees!

 

PS. Can someone come to court with me and hold my hand!?? :p

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Try the Court Buddy System if you want someone.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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wouldn't worry too much about somebody holding your hand to go to court, I doubt you will be going! Good luck!

RBOS: Fob off letter recieved 28th June.

LBA for £2,690 & LBA for £3,240 sent 1st July. Replt to LBA'S recieved 14/7/06......fob off again!!! watch this space

:lol: MCOL submitted 19/07/06 :cool:

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  • 2 weeks later...

Sat up last night drafting court papers and interest calculating spreadsheet only to get up this morning to find I have been charged £28 (without being notified as usual!) for going £1.87 overdrawn at the weekend. So will now have to wait till I get paid later in the month before I can start my summons. Bar Stewards!!!!!

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Hi there

I received my letter from Tommy McLean this morning also, so LBA is winging its way as we speak. I'm claiming for over £13,000 though, so will have very sore fingers from typing out claim forms, but it will be worth every blister!!!

Good luck and keep us posted

Fiona

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Thanks for the well wishes Fiona. Because it is going to be week or so tillI start my court claim I sent a cheeky email to Tommy McLean this morning just to let him know I haven't forgotten.

 

"

Dear Sir

Account no:XXXXXXXX

Sort Code:XXXXXX

Re: Your refusal to refund bank charges

I write in response to your letter dated 28/07/2006 refusing my request for a refund of bank charges. I have now given you a total of 28 days to refund the unlawful charges into my account. You now leave me no choice but to file a claim at my local court. I have attached the forms that I shall be filing within the next 7-10 days for your reference. I will subsequently require you to lodge in court financial vouching for the actual loss sustained in my case, together with your full financial accounts revealing how much income is generated from your bank charges. I shall now be claiming for charges+8% interest+reasonable costs to myself for my hassles.

Best Regards

gargoil"

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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oopsie, account went overdrawn by 53p today. Wonder if this still incurs a charge!?!?!?

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Court papers handed into court today claiming £426 & 8% interest, hopefully they will make it easier for me than some of the RBS people have had it!! :)

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Fingers crossed for you.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I forgot to post about this on Friday. On the morning I was handing in my papers I had to withdraw money to pay the £39 fee. The most handy cashline is at my RBOS branch. I went to lift money at 915. The branch opens for business at 930 on a friday. There was about 10 members of staff standing outside. I had argued with 4 of them when I was handing in my letters and they obviously recognised me as they kept looking over as I withdrew money. Probably the massive smile I had drew there attention. Or maybe the court papers in my hand! :D

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Your time will come Gargoil.:D

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Oh but I can't wait!!! Hope they send me a cheque so I can walk into the branch and cash it!! :)

BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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