I Won! Against Rbos

[dundeechicken]

Thanks,

 

I'm in Scotland and i'll keep you all posted...

 

L x

[missm]

hostie,

 

where did you address all of your correspondence to? I haven't gotten a peep out of the bank yet.. prelim and lba to branch, follow up email to tommy clean. Still not a word?

Congratulations! how much was your claim for?

[westable]

may be cheeky but how much was your claim for? I'm claiming approx £1400 and they have dragged their feet throughout.

[BigCol]

Hostie,

 

well done! Have you talked to the Press yet? RBS seem to be losing all over the place at the mo, and Cobbetts their Solicitors must be grateful of the free money!!

 

Westable,

 

they will drag their feet, they don't want to give you the money (your money) back and will try to make you give up due to time wasting and legal 'intimidation'. Don't worry, it will happen, if you want read thread by Stacymason, Davidhannam, Tomba90 and mine, we are all at the stage where RBS/Cobbetts have filed a defence but the history all reads very similar. Hostie appears to have struck it lucky, but don't give up hope. I'm claiming £2859 plus interest and costs and I started out with the DPA letter in mid-Apr, it will be more than worth the wait. Also, if you think your case is bad, read Blueruby's and you'd better believe it!

 

BC:p

[westable]

thanks big col, i will look at the blueruby one

[BigCol]

Missm,

 

most of us have addressed our correspondence to our Branches. Most send it recorded delivery or hand deliver to make sure it gets there and get a record/receipt of delivery. You may want to call your Branch and just make sure they have recieved your letters, they may claim to have no record, in which case, unless you can prove that the letter got there, you'll have to start again and go down the rec del/hand del route. I posted and faxed my letters, following the fax up with a call to check they recieved it (noting time, date and RBS employee's name). Sorry if this is bad news, but it needs to be done. Mr Tommy will probably go down the line of it is a Branch problem to begin with and deny knowledge (next email, send it with delivery/read receipt requests on outlook).

 

I would advocate calling your Branch straight away, if they have no record of your letter, get their fax number and fax them a copy of your 1st letter (prob DPA Request?) and explain the situation, they may start by ordering your statements for you which for 6 years will take a week or so, they should waive the £10 fee also, if not ask them to do so as a show of goodwill! Don't forget to keep pleasant at all times, they are only employees and not the corporate crooks we seek to disavow!

 

Best of Luck, keep in touch with your own thread (if you haven't already)

 

BC:)

[andrew1]

Hostie, could you just tell me if in your claim they paid the contractual rate of interest or just the normal 8%. The reason I ask is because I am currently claiming against their card division the contractual rate of 24% - they have come back with the usual garbage about t & C's but have offered to pay the charges back only. Having been polite enough to put a personal telephone number on the letter I telephoned to see how far they would negotiate and I was told " You are the first to ask for the interest and nobody has been paid the interest so I'll have to go and speak to Legal dept."

 

Strange I thought! I have told them I want all the interest and that if I don't get it at the contractual rate then I'll see them in court - please themselves as I have 50,000 people coming to support me ( if theres room in the court! ). She's gone off to ask...

 

I presume you've got your interest though haven't you?

[hostie]

Hello all,

 

Just to answer a few of your questions:

 

I directed all my pre-court correspondence to my branch in Scotland. I sent it recorded delivery and my branch were kind enough to telephone me and leave messages letting me know the progress of each letter. So from that point of view I can say that the RBS at least at branch level, have been good. The branch had to send each of my letters to head office and await a response from them.

 

When it came to the court stage I used the English online court system (Moneyclaim) as I live in England. In order to use this system you need to have an English address for the bank so after a few postings on here trying to clarify the correct English address for the bank and a telephone call to direct banking to confirm it, I submitted a claim against the English address. Since then my correspondence has been from them and I will therefore write back to them (1 Princes Street London EC2R 8PB).

 

My claim was for less than £700. I specifically tried to keep it to the charges that I knew they couldn't defend in court. i.e. I only claimed for charges they made for things that they had not paid - cheques, direct debits etc. I did not include the charges for going over my overdraft as these were only £10 each and I felt the bank might be able to defend them as, if I went over my overdraft, essentially they were covering the money. Another reason for keeping my amount low was that I didn't know if it would go through the English or the Scottish court system and I believe that to qualify for the small claims court in Scotland (and therefore not have to cover the other parties costs if you lose) the amount has to be less than £750.

 

With regards to the interest I definately didn't get 24%

I might have got the 8%, but, and this will REALLY make you laugh, I can't find the cheque they sent me !!! :) so at the moment I can't check this for you. If you really need to know how much interest I was paid I will try to work it out for you.

 

I think I did get the 8% but I think that I worked it out in a way that benefitted the banks. I just worked out 8% of the amount I was claiming and added this onto my claim amount. I'm not very good at sums and suspect that I could have squeezed more out of them.

 

Sorry to rant on but I thought these details might help you. I'm afraid I won't be posting the exact figures even when I find that cheque as I suspect that some of you are spies for the RBS (I know I am the eternal conspiracy theorist!) and don't want to make it TOO easy for people 'on the inside' to be able to work out who I am!!!

 

Good luck everyone. If I can be of any help let me know.

[missm]

BC,

 

I didnt need to do the DP step as my account has only been open for 2 years I have all my hard copy statments (kind of relieved there as that seems to be the most painful step waiting game-wise

Both letters (Prelim and LBA) were sent recorded delivery. which i stated in my email to Mr. Mclean.

So just being ignored I guess

[andrew1]

Thanks Hostie and well done - hope you find the cheque:-D

 

My 24% is the contractual rate on the credit card side not the bank accounts so it is different anyway. Very useful though, thanks..

[pkelly]

Hi Folks

 

Its time everyone got together to support other in beating these Bandits

have a look at this and show your support for him. this is just a start

 

YouTube

 

http://www.youtube.com/watch?v=EVUNDhtpMJY