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hi all,

 

ok, i have posted in the welcome thread previously, about my discovery of this great site, and my plan to reclaim charges made against me by RBS. i have been reading all the FAQ's, and following many people's claims, especially within the RBS forum. well done to all who have been successful so far!

 

so far, i have sent in my s.a.r. in mid october, and received my statements last week, very prompt! they charged me £10.

 

i have been carefully going through my statements, and have totalled charges of £1,524. i've also fed these numbers into the simple spreadsheet that is in the library, but i understand that i shouldn't worry too much about the interest at this stage. i'm a bit confused about this part still.

 

i have also prepared my prelim letter, which i will direct towards Tommy McLean.

 

Do you think that this will be the best address for me to send to?

 

wish me luck!

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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hi Daver

 

If you are writing to Mr McLean, his address is:

 

Mr T McLean

Customer Relations Unit

Retail Support

The Forthstone

56 South Gyle Crescent

Edinburgh

EH12 9LE

Good luck (not that you'll need it) but give anyone a shout on here if it goes as far as filing your claim and we'll help you with the interest bit.

Keep us updated!

Lynzilou xx

Capital One

 

29.11.06 S.A.R - (Subject Access Request) sent

22.12.06 prelim sent - charges total £590.00

19.01.07 received offer of £164, sent refusal of offer - have until 5th Feb to respond or court action

 

RBS - claim £4451.76 ***WON***

 

03.11.06 Received letter from Tommy McLean offering full amount of £4451! Hooray!!!!!

26.10.06 received offer of £2685.00 in full and final settlement, sent refusal informing them I have filed my claim. If they do not refund by 3rd Nov I will proceed through the courts

26.10.06 filed claim with courts

16.10.06 received letter back offering £830, sent refusal, have until 25/10 to respond

11.10.06 sent letter requesting full refund within 14 days or court action

10.10.06 received statements, charges come to £4451.76!

26.09.06 sent S.A.R - (Subject Access Request)

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Sounds like a good plan. You are right enough about the interest, this is only added when filing a court claim.

 

Keep it off the spreadsheet for the moment (when I did mine, I "hid" the relevant columns then printed it off - easier to retrieve that way).

 

 

Get your letter of to Big Mac and see how quickly you get your "bugger off" letter. (I estimate about 8 days);)

 

Have fun.

 

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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cool, i will do that with the spreadsheet.

 

guess i'll speak to you in a couple of weeks, when i get told to bugger off!

 

thanks guys.

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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(p.s.: i can't get my sig working with my progress in it - i have written it out and saved changes in the edit signature area, but it doesn't want to come up? i'm not good with forums, anyone know what i'm doing wrong? thanks)

 

EDIT: AH HAAAAAAAA

 

please ignore my ignorance, it's working now!

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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Just for fun.....after you get your bugger off letter and you issue them with a letter before action, lets have a "sweep" as to how much your 1st offer is for.

 

I'll go for £835.

 

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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aye let's do it. loser buys the pints -

 

i say £570.

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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I'll go for £512

Prelim letter sent to RBoS 8/8/06 letter passed to another department...and Tommy fob off arrived

LBA sent 29/8/06 £2646.64 claimed - no reply

Claim entered 26/09/06 £2716 + interest. Not acknowledged so Judgment requested 17/10/06

Judgment in default 28/10/06:lol:

Cheque finally arrived 24/11/06, ring Group Litigation on a daily basis - you know it makes sense...:D

GE Money prelims sent for ERCs and charges on 2 accounts 18/10/06

LBAs on 2 accounts sent 5/11/2006

 

2nd claim against RBoS in 10/11/06, with threat of compounded contractual interest, c'mon now, concentrate...

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hi everyone. well, got my first letter from Tommy Mclean today, it is the standard one saying "we consider our charges to be fair" etc.

 

i already have my LBA almost ready to go. I'm in two minds as to whether i want this to go the court route: on one hand, i'll get to charge them a whacking amount of interest, but i'll have to scrape cash together for the court fees. (how much are they?)

 

on the other, i'd have a nice lump coming to me for christmas.

 

i'll worry about it when the next response comes in i suppose......

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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hiya,

 

sending off my LBA today, so let's hope i have a nice surprise before christmas!

 

cheers

daver.

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

Link to post
Share on other sites

I wouldnt worry too much. If Tommy (Big Mac) McLean is up to his usual standard, you will get an offer of about half this week/ start of next week and, when you reject, you should be offered the full amount within 4 or 5 days.

 

My guess is that the money should be in your account on or around 5 December.

 

Happy Christmas!

 

j

 

PM me if you want to see how I approached Tommy.

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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hey,

 

i will do, thanks weej.

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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hi there,

 

well, that's one week exactly since my L.B.A. landed on Tommy's desk, and i've not heard anything. i'm panicking that my letter is going to be one of the ones that gets lost, so does anyone think i should send a reminder email with the L.B.A. attached?

 

i haven't emailed Tommy McLean yet, so thought i'd better ask if anyone had any results from doing this?

 

i don't want RBS to bust the deadline i've set...

 

cheers.

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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Dave,

 

I'm also at LBA plus 8 days and no reply although I'm corresponding with branch manager rather than TMcL, so any advice peeps have regarding your last post will be helpful to me also...

 

Best of luck with it all (not that we need it, but nerves!!!)

 

Phil

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hey, thanks,

 

best of luck to you too.

 

i guess i just think they might miss the deadline, and i don't know if i want to muck around with all the small claim stuff, it's way over my head!

 

thank the gods for this well spring of info and experience!

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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Share on other sites

Dave. Personally, if it was me, I would give him a call in a couple of days. I have spoken with him and he is friendly enough and it is probably just taking an extra day or 2 to get back to you. Dont be surprised if you see something in the post in the morning or Thursday

 

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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yep,

 

that's pretty much going to be my plan in the morning, unless something arrives in the post.

 

i'll post any results when i get em.

 

cheers fellas,

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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Hi all,

 

I've been side-tracked a little, so I didn't get a chance to deal with this stuff until today.

 

I have just sent off this email to Tommy McLean, with original L.B.A. attached. I hope it is firm, but polite, I've heard he's a nice man!

 

Whaddya think?

 

Dear Mr. McLean,

 

I am writing to you to enquire if you have received and read my letter dated 20th November, in which I ask for bank charges to be refunded to me within 14 days. I have attached it here for your reference. I have also attached a chronological schedule of charges against my account.

 

It is now the 1st December, and I would like to remind you that I must stick to my deadline of 14 days (allowing for delivery), and therefore I will be filing a claim at court on Monday 4th December.

 

Please be aware that if this matter goes to court, I will be claiming for the full amount, plus interest, which totals £1,986. The amount without interest is £1,524.

 

I provide my phone number below, please feel free to contact me at any time. Thank you.

 

Kind Regards,

 

David Gow.

 

If i have not heard from TMcL by monday, I am going to phone him on his direct number, and push a little farther.

 

Hope this will do the trick!

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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Share on other sites

Just got this mail back from Tommy McLean:

Dear Mr Gow

 

We did receive your letter and responded with a letter dated yesterday,

though it may have gone to the post only today, given that our last mail

pick up is at 4.00pm.

 

Our letter, however, simply reiterates our view that until the OFT completes

its investigation into current account charges, we believe them to be valid.

As a result, it may be best if you to proceed down the legal route within

your own timescales.

 

I am sorry this is unlikely to be the answer you would have hoped for.

 

Tommy McLean

 

I guess I'm going to have to go the court route then. Lots of reading to do over the weekend!

 

I suppose it means that I will be getting to claim the interest too.

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

Link to post
Share on other sites

hi all,

 

well, i've spent a good chunk of the weekend reading everything i can on this site, and as many different threads as i can, especially ones that are for similar amounts / same bank / same claims procedure etc.

 

however, i'm finding it difficult to nail down a definitive path of action that i need to take, and i think i'm really going to need some guidance here:

 

i am in scotland, making a scottish claim against the RBS, and the amount is £1,986. (£1,524 before the 8% interest.)

 

does anyone have experience doing the same? weej, you've been good to me so far, and it seems you had some experience of the summary cause procedure?

 

i'm thinking i need to do 2 x summary cause claims, rather than 3 x small claims. (mainly to save cash, it's 3 weeks before christmas!). i gather that the amount can be £1,500 before interest, so i'd basically be making one claim for £1,500, and one for £24?! i will split them more tidily, i'm wondering whether it is worth the bother of claiming the extra £24.

 

i'm going to phone the glasgow sherriff court tomorrow, and ask them a few things about the relevant forms etc. it's not too far away from where i live either, so that's quite handy for dropping in.

 

while i'm on, i'd like to ask another question: as i was reading earlier, it seems that several people have claimed back only 5 years instead of 6 (which i have so far). i think these were all scottish people.

 

have i made a boob by asking for 6 years worth instead of 5 in my L.B.A. etc? if so, what should i do? lower my claim or let it ride?

 

thanks one and all!

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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p.s.

 

i was also thinking about messaging a mod about this, but i'm not really familiar with any yet, does anyone / mods have any suggestions?

 

thanks.

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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bumpo

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

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Not quite at the stage you're at yet but not far behind and also in Scotland so it'll be interesting to see what response you get about the small claims vs summary clause question as I'm claiming £3868 without interest so would need to spend the next 6 months filling out small claims forms.

 

I have only claimed 5 years, not sure where I found this but apparently you can only go back 5 years in Scotland, not 6. It was on this site somewhere and also on the moneysavingexpert site

 

Good luck and look forward to hearing how you get on. :)

RBoS - claiming charges of £3868

17/1/07 - Offer for full amount!! WON!!

3/1/07 - LBA Deadline - reminder e-mail sent

16/12/06 - LBA Sent

27/11/06 - Prelim Letter Sent - no reply at all

17/11/06 - Statements received

12/10/06 - S.A.R - (Subject Access Request) Sent

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ok,

 

i'll let you know, i plan on going down to the glasgow sheriff's court tomorrow morning. i phoned them on monday afternoon, and spoke to a nice girl called joanna. she was really helpful, and explained the whole process to me quite thoroughly.

 

i am going to carry out a summary cause claim, for £1,500. i will also claim for the 8% interest, and all costs. decided to not bother about the extra £24, it's hardly worth the extra effort to me.

 

i asked joanna quite a lot of questions about the whole process, and about the amount of people doing the same as me: loads!

 

she also said that when i go in, she'll check my form, and won't accept it or payment until it is absolutely right.

 

i think i might leave my calculations as they are just now (six years instead of five), as if it's wrong, i'll get sent packing and will re-do it. i asked joanna about that too, and she thought that as long as i had the requisite proof, it would be ok to do 6 years. however, she said she will double check that when i go in.

 

fingers crossed!

 

oh, and good luck too smithsu01, and thanks!

rbs :£1,525

sent S.A.R. 13th oct 2006

received statements 24th oct 2006

sent prelim letter 7th nov 2006

received polite "naw" from T. McLean 14th nov 2006

l.b.a. sent off 20th november

received letter 2nd Dec, another polite refusal

Tommy McLean advises by email to take court action

 

first direct : £?

sent S.A.R. 13th oct 2006

pending statements......

discovered that they have sent no statements from an account that doesn't exist....

Link to post
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