help Re: MCOL

[angelface69007]

Hi All

 

just wanted to say hello and ask has any Royal Bank of Scotland customers recieved a full settlement yet????? They owe me thousand and I have just recieved the fob off letter. what do I do next?????? send a letter telling them that I intend to take court action????? be glad to hear from others who are further down the line. thanks very much x

[mechs]

Welcome Rbos,

 

Take a look at the Royal Bank of Scotland forum and start your own thread. Members will soon put you on the right track to getting back what was taken.

[angelface69007]

Welcome Rbos,

 

Take a look at the Royal Bank of Scotland forum and start your own thread. Members will soon put you on the right track to getting back what was taken.

 

Thanks Mechs:D X

[angelface69007]

Just recieved the fob of letter. what do I do next? do I write and threaten court action???? be really grateful if somebody further down the line could give me a bit of advice. Incidentally, has anybody recieved a full and final settlement from the RBOS???.

 

Thanks all

Angela:oops:

[Seminole]

Assuming that you sent the library prelim letter, you should now proceed to the letter before action stage. There's a template in the Library.

[angelface69007]

Assuming that you sent the library prelim letter, you should now proceed to the letter before action stage. There's a template in the Library.

Thanks

[angelface69007]

Assuming that you sent the library prelim letter, you should now proceed to the letter before action stage. There's a template in the Library.

 

Just wondering if you can help me. I have sent my LBA today I have split my cliam which was £5,990 into two seperate amounts saying that from Nov 2001-2004 my charges were etc...and the second letter for the dates 2004 - 2006. this was to keep the amounts within the small claims court. should I have sent the letters on different dates? I am hoping the bank will treat them as 2 seperate claims although it is the one account. have I made a cock-up? would be really grateful for some advice on this matter:-|

[angelface69007]

Just wondering if you can help me. I have sent my LBA today I have split my cliam which was £5,990 into two seperate amounts saying that from Nov 2001-2004 my charges were etc...and the second letter for the dates 2004 - 2006. this was to keep the amounts within the small claims court. should I have sent the letters on different dates? I am hoping the bank will treat them as 2 seperate claims although it is the one account. have I made a cock-up? would be really grateful for some advice on this matter:-|

 

Post moved - please stick to your own thread and do not duplicate questions!

[s0127786]

You should only pursue a single court action at one time and once it has been settled then you can pursue the second one else the bank could have them rolled together and taken it out of the small claims court.

[angelface69007]

thanks. I've sent the bank the 2 LBA's so should I just file 1 court action or am I stuffed because I have sent the 2 claims to0 the bank at the same time. Sorry to sound dim but I would be really grateful for any advice

[s0127786]

Just file one court action at a time, once you have the first one resolved then do the second one. The LBA's dont really matter, its just important you've sent them.... it doesnt matter when the action takes place, it could be that you state 14 days but dont pursue it for 6 weeks - completely up to you.

[angelface69007]

Just file one court action at a time, once you have the first one resolved then do the second one. The LBA's dont really matter, its just important you've sent them.... it doesnt matter when the action takes place, it could be that you state 14 days but dont pursue it for 6 weeks - completely up to you.

 

Once again thanks for your help.

[fruitycar]

I am about to send my LBA for my 2nd claim and will point out that they can settle now for the full amount outstanding, or I will pursue a further 2 claims incurring a further x amount in court costs and interest.

"Who gives you extra?..."

[angelface69007]

did they settle your 1st claim following your first LBA? and did they respond within 14 days? What I don't understand is that different people are being responded to in different ways by the same bank.The same bank doesn't seem to be singing from the same hymn sheet. Glad you have had some of your cash back though, it's certainly a positive step. Good luck and thanks for taking the trouble to reply to my thread.

[fruitycar]

did they settle your 1st claim following your first LBA? and did they respond within 14 days? What I don't understand is that different people are being responded to in different ways by the same bank.The same bank doesn't seem to be singing from the same hymn sheet. Glad you have had some of your cash back though, it's certainly a positive step. Good luck and thanks for taking the trouble to reply to my thread.

 

No I had to raise a claim in the sherriff court to get the refund. I had previosly had a telephone offer of 6 months worth of charges to which I said no. I've received nothing to sign to say it was full and final settlement, so heres to the next £750 !

[angelface69007]

Well on July 1st I confidently thrust 2 LBA's into the hand of my bank manager and smiled sweetly before demanding a reciept for them. I've been rushing home from work everyday hoping for my response. Today I got it. I thought I would get some sort of offer but oh no!

 

It's from Tommy McLean and it' says blah, blah, blah.....sorry we have failed to reach an agreement with you....( what Agreement???)...I regret blah blah that there is little I can add constructively to previous comments but having reviewed your account, I can find no instance where charges have been applied when they were not properly due. They have all be associated with a lack of covering funds in the account at the time these items were presented for payment. Accordingly, the charges that have been applied to your account should stand. Therefore this is the bank's final response to you on this matter!!!!! You may wish to seek the opinion of the Financial Ombudsman and the leaflet enclosed tells you more about the scheme and how to contact them.....blah, blah, blah!!!!

 

I am pretty certain that I have read the exact response on somebody's thread, so I'm guessing that this is again probably a standard letter.

 

I feel really deflated now, could somebody please give me some thoughts on this letter. Last week I was in fighting mode but now I'm no soooo sure. They owe me over £6,000 if you include interest ( i'm claiming in 2 amounts). Please make me smile again........Thanks all

[Michael Browne]

Pretty standard reply. Remember Tommy McLean's a scotsman, you're going to have to prise it out of his sporran.

 

Roll on moneyclaim!

[angelface69007]

Thanks Michael.....Yep Moneyclaim will be done on Tuesday. I just don't understand why others get some offer of a goodwill gesture and why I don't get a bean. It's the same bank and yet they are not singing from the same hymnsheet. Well nodody messes with me so watch out Tommy McLean.......... I'm pretty annoyed now.....and I'm on my way to get you!!!!!!!!!!!

[gargoil]

I guess more and mor epeople are turning down small goodwill gestures so they perhaps feel it is not necessary in cases where a substantial amount in 4 figures is being claimed!

[angelface69007]

Hi All, wonder if somebody can give me some advice. I have sent a prelim to the RBOS and was fobbed off and then sent my LBA'S and once again fobbed off. I didn't send a schedule of charges, I have almost £6,000 of bounced d/d etc over overdraft charges, card missue charges. I did however make a general reference to what the charges I am claiming are for. I am due to issue my MCOL on Tuesday. What should I do and will me not sending this schedule of charges make a huge difference. I understand that I will have to have this should I proceed to court. should I forward this to my bank even though they have fobbed me off following my LBA's? Any advice please?

[Seminole]

It shouldn't make any real difference as things stand. You probably should send a schedule to the bank with a brief covering letter stating that this is how the claim is made up. You could also send a copy to MCOL and ask them to associate it with your clai,

 

The alternative (and better imho) approach is to use the manual N1 form and take it court with your charges schedule.

[angelface69007]

Thanks for your advice seminole. You think I will be better doing a manual claim as opposed to MCOL? that's no problem but could you briefly explain why? would be grateful just so I know EXACTLY what I'm doing

[Seminole]

Personally I don't like Moneyclaim because you can't attach the charges schedule. You can get around this but I prefer the clarity of the N1.

[angelface69007]

Yes, I can see where you are coming from with that. I don't really see that it makes much difference and as the County court is down the road I don't see MCOL being any quicker really. Thanks seminole.... great to have people on here who really do know what they are talking about

[angelface69007]

can anybody help please. I completed my MCOL and it was issued on 20/07/06. I was feeling rather pleased. A copy of my claim came through from Northhampton court. I was feel rather pleased as I read it and then shock, horror, I realised that I had not put my account no. on my claim ( I have had a lot of personal problems recently and my mind was elsewhere) is this going to make a difference to my claim? can I forward the account no to the defendant, can they identify me from my address? I am really worried now and thinking that I have blown it. I would be grateful if anybody could offer me any advice with this problem. Many thanks

Angela:(