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    • Sorry, trying to catch up with all the questions.. I paid by BACS - it was the only option I was given. They are based in Wallasey, Wirral, and I think they have been there for some time.  I don't think they have disappeared.
    • The social worker saw some of the photographs.  Because of the timing, holidays, everyone busy etc she said she would go by my judgement as to whether Friend should be allowed home (This was before the service was carried out)  I sent her some photos but neither of us mentioned Friend not coming home - nobody wanted him to have to stay in the care home any longer, it was totally inappropriate.  She knew I was going to take some action with regard to the service, but we didn't speak again.  
    • Hi, yes, those are the people.   It's too late to ask SS to inspect.  This all happened in a big rush between xmas and new year; I complained to the woman I'd been dealing with, she liaised with the MD and came back with the £100 offer, took a couple of days, I refused, she then said I needed to contac the MD. When I emailed him, I got the out of office message back, and then, eventually, the offer of £150 which he deposited, without my agreement, into my account..  So it all took weeks.  I have plenty of photos though.
    • Yes that sounds correct Commensurate use
    • I don’t have the details to hand, they’ll be on an old IDE hard disk from my old computer and I’ll need to buy an adapter to access those files.   But from memory, I think the case was around 2016 in an English county court. A lawyer was posting progress on a case he was working on, I can’t remember which forum, arguing that Erudios DAF forms breeched unfair contract law.   Erudio settled the matter out of court just before the case was heard when the lawyers client accepted an offer to backdate all his deferments and make changes to future DAF forms.   Very soon after all the posts relating to the case were removed from the forum, I suspect as part of the settlement deal with Erudio.   TBH I wasn’t sure at the time that I was going to be able to use this anyway, given that there was no ruling on the case to refer to.   I just wanted to make them aware that I knew they had granted deferment to somebody who hadn’t used their DAF.   I turned 50 in February 2018.   Strangely, I can’t find a copy of the default notice or their final response.   I say strangely because I have what I thought were all my Erudio letters in a file in date order.   I can only think therefore that they were sent by email and I did have a period were I had to switch email providers and email addresses because emails were being lost, and then when I switched the previous provider deleted everything.   I did manage to backup some of those emails before the previous provider deleted them, but again they would be on my old IDE hard disk, so I don’t have access to them right now.   Sorry I know this isn’t much help.   How essential are these letters?
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Me Vs RBOS - The ball is rolling **WON**


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Careless, I know, but I have absolutely no idea how much my bank has taken in charges in the past 5 or 6 years (which is it? I live in Scotland).

 

Will they send you details if you simply call/ email or should I go into writing for this also?. If in writing, is there a template available requesting a detailed breakdown?

 

 

ps....it would be handy if they would either email or burn details on a CD in a spreadsheet as my charges will be too frequent to type!!!

 

Many many thanks for your advice.

 

JB

:-?

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Hello and welcome,

 

Sounds like you haven't read the FAQ's yet. Start by reading them here:

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

The letter templates you’ll need are here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

And guidance notes are here:

 

http://www.consumeractiongroup.co.uk/forum/guidance-notes/

 

Finally start a thread in the bank forum relevant to you. That way you can keep a timeline of your progress and receive help and support where needed.

 

Best of luck with your claim.

 

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, 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 am hearing conflicting information about the system in Scotland...

 

Is the qualifying period 5 or 6 years?

 

and

 

Does the small claims court have a limit of £1000? If so, I'm not sure what to do as I reckon my claim could be around £3K

 

HELP PLEASE!!!!!

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Thanks for the pointers to the relevant templates guys. Have now sent the letter to the bank asking for details of charges.

 

This is all new to me (the whole forum thing) so thanks also for your patience

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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OK, so after reading and getting advice from other forum members, I went into the bank yesterday and handed over the DP form requesting full details of charges over the past 5 years. They are charging me £20 as I have 2 accounts...Is that right? They will debit the amount from ny account.

This morning, a letter arrived (1st class) which was partially hand-written, not dated and did not have a post office frank over the top of the envelope. The letter said they wrote to me to arrange a banking "review" recently as they feel it could have been of great benefit to me...etc...etc. If I would like to make an appointment please call. The thing is, I never received that letter in the first place.

Just a coincidence???? Has anyone else received this?

I'm not sure whether to:

a) make an appointment

b) write saying that I will do a review once current "enquiries" are resolved

c) Ignore it

 

Any advice will be great.

:confused:

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Yeh they must only charge you £10 as it is a personal "subject" request you being the subject not the individual accounts. I think i have heard about this account review thing before, this is something Natwest do as well. Its up to you really but personally i feel from other threads people aren't attending these meetings as the account is in dispute and don't feel they should attend until the dispute is over and some people have written back saying that any diologue should be entered in writting and not in person.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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Ok, so I think I'll write to RBOS thanking them for their invitation for a "review" I will however decline in the short term, pending ongoing enquiries etc etc.

 

Probably a good idea to do this in writing instead of calling. Must admit, cant wait to see my statements so I can calculate how much I have paid over the past 5 years. I reckon it will be scary!!!:eek:

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Do I understand this right???

When informally asking for my money back - I ask for full amount (c£3k)

AT LBA - Seek only £750 including interest and costs

At Legal - same as LBA

 

or

Do I stay with the full amount for the LBA?

 

Thanks

 

JB:?

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Maybe its just a coincidence, but just went onto digital banking and it will let me see current balances, but nothing else......no history, no transfer facility. Strange.

 

Also, I live in scotland and my bank (RBOS) is in Scotland. Can I still claim in England? Any advice would be great.

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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So to clarify.......I live in Scotland, my account/ branch is in Scotland. I can however send my prelim/ LBA to an english branch of RBS and claim 6 years back through money claim, using a friend/ relative's address which is in England/ Wales???? Is my understanding right?

:confused:

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Noticed that SAR fee had not been debited from my account so called local branch to check progress. I was told that the enquiry had been forwarded to their office in Gogarburn (???). Will hopefully get a call back today.

 

Does anyone know the answer to my question on which courts you can use, ie English/ Scottish?

 

JB

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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I can see that a lot of people are looking at taking on H/BOS in England. Can we do the same with RBOS as I dont know if they have a head office in England? I know I can do the RBS C/C through the English court system.

 

If I can, then its woohoooo!

 

Just waiting for the accounts to come back from Gogarburn. Then plan is to take the claim South. Has anyone had success doing it this way?:?

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Im not entirely sure on that one either, but I think because you live in Scotland and your bank has a registered address in Scotland you will need to claim through the Scottish courts as they have juridstiction.

 

The Review thing is a waste of time, they usually do it if your going overdrawn a lot or something, you go to the review and they basically try and sell you a loan.

 

As for your earlier questions, When writing to the bank you claim back the whole amount, giving them a list of all the charges and dates they were taken (that includes the LBA).

 

At the legal / court stage you will need to split your claim up into £750 chunks.

So you would file one claim for "Charges - December 2001 - March 2003" etc etc.

You'll have to file like 4 claims to cover the whole amount, but you'll get any fee's you have to pay back when your claim is settled.

01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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Its now 3 weeks since I handed in my SAR at the branch. Still not a peep. Should I give them more time or send them a little "reminder" that the clock is ticking? Is anyone else getting a quicker response to RBOS SAR

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Give them a call and ask them what the progress is.

I got mine in about 3 weeks.

01/08/06- Royal Bank of Scotland - S.A.R sent

24/08/06- Royal Bank of Scotland - Statements Received

31/08/06- Royal Bank of Scotland - 1st Request sent

13/09/06- Royal Bank of Scotland - LBA sent

23/09/06- Royal Bank of Scotland - Offer received £1544 (Thanks but no thanks)

02/10/06- Royal Bank of Scotland - *WON* Full settlement

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Hi John,

 

As far as I'm aware, the small claims court limit in Scotland is £750. It all depends on whether you file your claim with a Scottish court or an English court. Obviously, if you live in one or the other country you will more likely than not need to file with that country's court system.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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OK, nearly 4 weeks and no response to S.A.R - (Subject Access Request). I know they've got another 2 weeks, but I thought I would send them a little nudge.

 

Royal Bank of Scotland

27 September 2006

 

 

 

Data Protection Act 1998

 

 

 

Subject Access Request

 

 

Dear Sir/Madam

ACCOUNT NUMBERS: xxxxxxxx and xxxxxxxx (sort code 83-25-45)

 

I handed in the above request at my local branch on Friday 1 September 2006. At that time, I gave 40 days notice to reply and, whilst that time has not yet expired, I have heard/ seen nothing. I trust that this matter is in hand and is being dealt with at the moment.

The latest date for receipt of this information is 11 October 2006 and I thought I should write a brief reminder to ensure that this matter is processed in a timely manner, and to avoid any breach of your obligations under the Data Protection Act.

I look forward to hearing from you in early course

 

Yours faithfully,

Me

 

sent to branch and Gogarburn. Ever get the feeling that this is going to be strung out as long as humanly possible?

  • Confused 1

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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zzzzzzzzzzzzzzz still nothing ( I know I am impatient). Still, while waiting I have been wondering about the interest rate and whether to go after contractual interest and notify the bank at Prelim stage:rolleyes: . I noticed one or two people getting contractual rate. Note that I am being greedy, but 20 odd % does sound tastier than 8%; no?;-)

 

Any advice would be loverly. Ta.

 

J

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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I too have been considerin the higher interest rate! Afterall if they can charge us, for example for being over our overdraft limit that they caused through charges, Why shouldn`t I have the extra contractual interest. They gave me undue stress I recieve extra interest as an apology for said stress.

 

Still I am not fully read up on the contractual interest situation as yet so have not formlly made a decision, but gosh it sounds like the right thing to do!!

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Got the statements through this morning and will get to work with the highlighter when I get home tonight. It will be interesting to see how much has been taken off me in the last 5 years (sounds sad, but I hope its a lot! - could do with the dosh for Christmas):grin:

 

J

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Not as much as I hoped for, but still just north of £2K. Hope it gets as far as court stage as I will then get about another £400!!!

 

Anyway, Prelim off recorded delivery today, sent to Retail Regulatory Risk division. Shame they are not based in Glasgow, as their initials would then be GRRR! (which is exactly how I feel)

 

Oh well, 14 more days of fun till the next deadline!

 

J:)

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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What address did you send your Prelim to? I have searched this site and there seems to be a few different addresses, also some people sending to thier branch???

Thanks

A

x

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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  • dx100uk changed the title to Me Vs RBOS - The ball is rolling **WON**
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