Credit Card Chrages RBS

[fmc001]

Hi

 

I am in the process of trying to claim back credit card charges on behalf of my 70 year old father. I have tried writing on numerous occasions only to be given refusal after refusal. The bank in question is RBS. I have got to the stage that I am severly pi$$ed off at being given the run around.

 

I am now wanting to take them to court. The total sum of money including charges, contractual interest and court interest would amount to approx £2500.

 

I have been doing a bit of research and am in the process of drawing up a POC.

 

I am looking to take them to a local court in Scotland however a couple of points I was looking to clarify were:

 

1) If I go to court can I represent my father instead of him having to attend court? If I can do this how do I notify the court?

2) Some of the charges in question relate back to the year 2000. If I was to attempt to claim them in court would I be relying on Sec 32 of the Limitations Act (1980) or the Prescriptions and Limitations (Scotland) Act 1973.

 

Any opinions, help or advice would be gratefully accepted.

 

FMC001

[maroondevo52]

Hi,

 

I'm sure you could represent your father, I'll look into it, I very much doubt it would go as far as court.

 

Regarding the older charges, yes you would rely on the Prescriptions and Limitations (Scotland) Act 1973.

 

I never mentioned any in all my claims and always got back the 6 years.

 

Have you sent them a Letter Before Action ?

 

Regards.

 

Scott.

[IdaInFife]

You cannot represent your father unless you do this as a professional undertakeing.

 

You do know have the equivalent of a mackenzie friend but you are restrcited as to what you can do:

 

http://www.legislation.gov.uk/ssi/2010/416/contents/made