just starting out **WON**

[susanne007]

hi fellow fighters, just had a thought reply letter said they were passing it onto another dept. the letter i sent originally was to kendal court. this is also where i sent lba is there a different address so they are not wasting time by sending it to different dept again.

[susanne007]

just an update. received letter this morning off Tommy Mclean.

appolagies for your dissatisfaction caused by the charges applied to your account. we beleive that our charges are fair and consider the amounts debited to your account have been applied strictly in accordance with your agreement with us and published tarrif.blah...blah...blah.

we have considered and responded to the office of fair trading's statement of 5th April 2006. We do not accept the office of fair trading's findings in relation to credit card fees. We are concerned that the office of fair trading has publicy called into question the setting of charges applied to other products, including current accounts. The office of fair trading has restricted its investigation to credit cards and made no attempt to consult with rbs or the industry in relation to other, entirely different products.

Consequently, against the background, we must differ with the views expressed in you letter and will not be refunding any of the charges applied to your bank account.

thanks for taking the time and trouble to write.

Tommy Mclean.

 

 

so basically get lost i presume this is the standard fob off letter and lets see what the response is to the lba. as said before bring it on

[Guest willowb]

blah blah blah exactly!! Moneyclaim next! 21st???

 

Goodluck

Wxx

[susanne007]

too right. when i file for money claim is that when i break up my claim so that its under 5k and also do i now add on 8% as 8% interest alone is over 4k.

[davefirewalker]

yes break it before you file....but check the interest it sounds quite high. my claim was for £4900 and the interest on that was "only" £1200. if you had a LOT of charges early on it may explain it, but it £4k seems a bit much

 

Also if the total is over £5k the court fees jump to £250

 

Dave

[susanne007]

yes dave i thought it was high as well but the 8% was done with vampiress spreadsheet and yes there are quite a lot of charges in 2001 but i will double cheque that keep you posted.

[susanne007]

silly me looks like i cant do basic sums 8%int comes to 1,534.51 dont know where i got the 4k from. never mind thats just between us lol. does anybody have a valid email address for tommy mclean as reading other threads things seem to move quicker by email.

[susanne007]

well no response from tommy mclean yet and he's had his 14 days. very nervous now as i thought i might have had at least a good will gesture. what do i do now. should i email mr mclean to see if they intend to reply, do i go to the court for is it a n1 form please help..........................

[DaringDon]

I would just go straight for the court action susanne. Not 100% sure on the forms though as i'm not that far along myself..........best to check.

 

Good luck.

[susanne007]

thanks for that daringdon atleast this time i got your name right last time i wrote darlingdon. well i suppose were all friends on here lol..

[susanne007]

anyone as when i've read through other threads emails seem to get a quicker response. help would really be appreciated

[DaringDon]

lol..............your welcome susanne. In saying that.............my name is Gav

[susanne007]

emailed tommy mclean lst wednesday and just had a reply from him to say they have not received my lba. replied with the followingDear Mrs Roe,

 

Thank you for your e-mail.

 

From our records, I cannot see that we have received your LBA. If it was

sent to the Court, they would probably pass it to our litigation team, with

whom I have no involvement.

 

Tommy McLean

Manager, Customer Relations

Ground Floor

The Forthstone

56 South Gyle Crescent

Edinburgh (Depot Code 045)

[susanne007]

this is my reply hope it sound okay let me know

Dear Mr McLean.

as stated in my letter and email the lba was sent to kendal court which is one of your credit control centres not to the actual court but as a gesture of good will I will hold out on filling at court until this friday which is the 6th october 2006 at which time I will have no alternative to act as I feel you have had enough time for a company as big as yours to sort out internal mail issues. I will also email you another copy of my lba.

If I do not receive a possitive reply from yourselves by Friday then I will be claiming court costs plus 8%interest plus the original amount of bank charges. Which when broken down is £6305.77 +£1514.60 (8%int) plus court costs.

Yours

Susanne E Roe

[susanne007]

well took the bull by the horns today and decided to ring mr mclean in person.just to make sure eh got my email as i havent even had a small gesture of good will yet. came off the phone feeling very sorry for the guy as he is really nice and surprisingly very sympathetic to us and also hinted that he wished the banks would change the charges they put on.he did assure me that he'd received my email which an extention was given by me until friday and said he have a reply by then. here's hopeing

[Bookworm]

Ahhh...............Sweet....

 

If he doesn't, be ruthless.

[susanne007]

well postmans been checked my emails and guess what............................ nowt, not even have 1p and get lost. do i email tommy and tell him i'm filling for court on monday just incase he hasn't sent the email yet (emails have been coming at around 5 oclock) or do i just go to the courts on monday any advise much appreciated.

[Bookworm]

See my previous answer.

[susanne007]

settled not in full but overdreaft written off as well. so i'm only a couple of quid out. saying that i didn't have the money to go to court yet completely happy with offer and a donation will be on its way when cheque clears thanks to all who have helped me and good luck to everyone who s claim is still outstanding........................................susanne

[susanne007]

ps

give tommy a ring and be nice to him. well it worked for me

[Bookworm]

 

 

CONGRATULATIONS!!!

 

 

 

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[Guest willowb]

Well done :D

 

Good for you;)

 

Wxx