Jump to content

biffinplate

Biffinplate vs RBS

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4479 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Just about to issue my first letter asking for my charges back, do I need to claim in Scotland because it is RBS or can I issue the claim in England??

 

Thanks


Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

Share this post


Link to post
Share on other sites

Where do you live? If you live in Scotland, you can only put a max claim in of (I think) £750 at a time so you have to break it down into several claims or you can put the claim in in England for the larger amount- but you must be prepared to travel to England for the court case (if it comes to it).

 

If you live in England then put the claim in England- then there's no problems!

 

See the FAQ for full details and to check the amount you can claim in one go in Scotland- I might have that figure wrong.

  • Haha 1

Share this post


Link to post
Share on other sites

Thanks Wardle, I live in England so the claim will be made here


Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

Share this post


Link to post
Share on other sites

Just sent first letter to RBS asking for my charges back. It's only £340 but it all counts.

 

Busy with 2 claims against barclays (both at MCOL). Credit card companies are next.

 

Question, has anyone had an account closed by RBS or any other action taken?


Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

Share this post


Link to post
Share on other sites

Dropped my letter off at my local branch on the 15th, just had aphone call today from the branch asking me if I want to review my accounts or to see if I am happy with the service I am getting!!

 

Coincidence????? I dont know Hmmmmmmm


Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

Share this post


Link to post
Share on other sites

No response to my first letter, dropped my LBA in to my branch today. Deadline 15th December.


Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

Share this post


Link to post
Share on other sites

Hello

 

Still no response from RBS to either of my letters! Both delivered by hand to my branch.

 

Has anyone not heard from RBS before starting MCOL action??


Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

Share this post


Link to post
Share on other sites

After no contact from the bank (despite 2 letters) issued MCOL today for £416.80 plus costs. Claim number 6QZ95110


Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

Share this post


Link to post
Share on other sites

I'm not hearing anything back from my letters either- is this a stalling tactic? I've had them delivered registered post so I know they've received them- sent to my branch and Manager of Customer Relations.

 

You seem to be about 2 weeks ahead of me Biffinplate- so I'll be tracking your progress with great interest- good luck!

Share this post


Link to post
Share on other sites

I hand delivered both to my branch. When I was in today I asked one of the muppets anbout their complaints policy. Apparently you should get an aknowledgement within one week. The muppet did leave a message letting me know that I should hear something from Head Office soon.

 

Very little very Late!!

 

Good luck with your claim, I will let you know what happens.


Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

Share this post


Link to post
Share on other sites

HI there - ive just obtained Judgement against RBS and still not heard anything from them nor received any statements!!

 

Still there is a directions hearing on 10.1.07 - so maybe they will wakeup in time for that.

 

I did read on other threads that the District Judge in Cardiff wanted to know the name of the data Controller to he could be sent to prison - does anyone know the identity of the data controller and Ill ask for an order that he/she be imprisoned if they still fail to produce my financial information!!

Share this post


Link to post
Share on other sites

I am having the same problem with RBOS, they sent the statements quickly, sent a prelimanary approach for repayment and heard nothing.

 

Just about to sent a LBA.

 

Do they think if they ignore your letters you might just forget about it?

Share this post


Link to post
Share on other sites

I know that Customer Relations claims to be about 6 days behind with the volume of claims (Score!) but it took nearer 9 days beyond MCOL deadline for them to get me a reply....and it wasn't the reply I was looking for.

 

So if your cases have been escalated to TMcL's domain it may be the workload thats causing them to miss your deadlines..I would just carry on regardless. (As will I when I get money together for the claim! Grrr:mad: )

Share this post


Link to post
Share on other sites

Hi All

 

Just looking for some advice as I have noticed a school boy error on my claim form. The particulars of claim are correct, but the amount calimed is wrong, e.g. charges £340 + interest £41.68 = £381.68. The amount claimed (without court charges) is £416.80. I have tried to contact the court today but was too late to amend my claim.

 

Question, do I need to cancel this claim and re issue or can I do something else?

 

Thanks in advance

Biff


Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

Share this post


Link to post
Share on other sites

Hi all

 

Received a letter today from RBS (first contact since my letter asking for it back 15th November)

 

They have offered me the full amount of charges back, but as they did not respond to any of my letters I have started an MCOL claim and they have not offered any fees or interest back. They have acknowledged the claim.

 

Should I write to RBS asking for them to pay my fees and interest as my claim has been started or does anyone think the judge will look at the offer made and think it was reasonable??

 

Thanks

 

Biff


Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

Share this post


Link to post
Share on other sites

Hello All

 

I have decided to accept RBS's offer to pay my charges back without asking for the court costs. I know i should hang on for the court costs but it is only £50 and I could really do with the money.

 

Quick question for the mods/site helpers. i am going to make my donation but is it best to do one big one when my other cases are settled or it is easier to make smaller donantions for each claim??

 

Thanks to everyone who has helped.

 

Biff


Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

Share this post


Link to post
Share on other sites
Hello All

 

I have decided to accept RBS's offer to pay my charges back without asking for the court costs. I know i should hang on for the court costs but it is only £50 and I could really do with the money.

 

Quick question for the mods/site helpers. i am going to make my donation but is it best to do one big one when my other cases are settled or it is easier to make smaller donantions for each claim??

 

Thanks to everyone who has helped.

 

Biff

 

 

A call to their solicitors may make them pay the remaining cash. I would hold on for all teh money as you have started MCOL. They will pay all the cash and interest. As for donations it is up to you. :D


 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

Share this post


Link to post
Share on other sites

Thanks Lively

 

I think I will write to their legal department and see if they are prepared to pay my costs and I will stop the claim.

 

Cheers

  • Haha 1

Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

Share this post


Link to post
Share on other sites

Congratulations mate- well done.

 

Have they said anything about any conditions. Eg. closing account, closing overdraft etc?

 

January is a good time of the year to get a late Christmas present like this!

Share this post


Link to post
Share on other sites

No they have said nothing about conditions, only that they do not accept any liability or should I look to get charges refunded in the future they may need to condiser whether they will continue to offer me the flexibility I currently enjoy.

 

But yes January is a good time for a late prezzie


Biffinplate

 

My Lass - Barclays Bank

MCOL 24/10/06 £2524.47 + 40p per day

Court date 5th March 07

Barclays offer to settle in full, Just waiting for my cheque

 

 

Me - Barclays Bank

MCOL 8/11/06 £2155.17 + 34p per day

Court date 4th April 07

Court bundles delivered 26/02/07

 

RBS - Sorted

Cap One - Sorted & default removed, just waiting for cheque

Barclaycard - S.A.R - (Subject Access Request) Sent

Share this post


Link to post
Share on other sites

Zackly the same letter i got from them. I sent a "don't be silly" letter back and still got my money!!! :D

 

Check my thread if you want the wording I used - and some helpful suggestions from other posters.

 

Congratulations on your win - well done.


:lol: Sweetrevenge :lol:

Don't get mad - get even!

If I've helped you please hit my scales 'n' bump my rep!

 

RBS (My A/c) S.A.R - (Subject Access Request) sent /10/06, statements rec'd 20/10; Prelim sent 3/11/06, s*d off letter rec'd 20/11; LBA sent 28/11, Settlement offer rec'd 18/12

WON at LBA with compound contractual interest £607

 

RBS BF Account S.A.R - (Subject Access Request) sent 4/11, part response rec'd 28/11, further info sent 3/12 awaiting statements at 20/12, Sent LBA 19/01/07. Received all statements resulting in 3 claims, £1,278, £4,279 and £7,250(!) all with contractual interest.

 

 

This is now very out of date!!!!

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?




  • Tweets

  • Posts

  • Our picks

    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 57 replies
×
×
  • Create New...