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Letter before action! Help I'm scared!


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Ok RBS have just sent me a letter offering £443 as an offer of goodwill. The amount I am claiming is £1040. The letter states that the bank believes the charges are fair and they are satisfied they comply 'with applicable laws and regulations.' After looking at the forum a few times I believe the next course of action is Letter before Action- is this where I ask for the whole amount agian and do I have to nenclose another schedule of charges? Any help much appreciated

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Ok RBS have just sent me a letter offering £443 as an offer of goodwill. The amount I am claiming is £1040. The letter states that the bank believes the charges are fair and they are satisfied they comply 'with applicable laws and regulations.' After looking at the forum a few times I believe the next course of action is Letter before Action- is this where I ask for the whole amount agian and do I have to nenclose another schedule of charges? Any help much appreciated

 

You ask for the amount again not including interest. Also you do not have to enclose a Schedule of charges. I think some more reading of the faqs and step by step instructions is required.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

 

 

 

 

 

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.

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Hi

 

Did RBoS send you an offer after your first letter (the prelimary)? If they did then yes, send them a LBA (letter before action) enclosing another schedule of charges list.

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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if the prelimary approach was your second letter, may i ask what was your first? was it the S.A.R - (Subject Access Request)?

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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You ask for the amount again not including interest. Also you do not have to enclose a Schedule of charges. I think some more reading of the faqs and step by step instructions is required.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

 

 

I have just read through everything as you said- do I accept the amount they have offered and send a l.b.a as well? This is a bit unclear in the step by step instructions as it says to accept the offer but still send a l.b.a if they haven't offered a full refund. How do I do both?

Many thanks

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Write an LBA and send it to them.

 

Write a letter stating you'll accept the offer as "partial" payment. The link below will tell you how to do that. Good Luck!

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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  • 3 weeks later...

I personally wouldn't bother, but its your call.

 

Proceed with the claim, either at your local county court or on the MCOL website.

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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Thanks! I can't believe it really- my friend has done exactly the same things as me with Halifax and they settled in abount 5 working days.

 

It's jsut typical of me that I'll go to court but I'm quite happy to as I think RBS have a lot to answer for! Anyway I'll keep posting so that people can see the progress. Good luck with yours too Styx!

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I am still waiting for my list of charges, i am hoping that the amount will be around 1500, so i can close off my overdraft. I think it will be most like 1000 than 1500. Either way a larger step closer to closing off my account.

 

By the way did you include interest?

 

StyX

StyX Has Won

 

RBS - £2,500

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I mean the 8% you would most likely be awarded if this goes to the court, i.e. the interest you would have earned if you still had the money in an average account.

 

StyX

StyX Has Won

 

RBS - £2,500

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I know what you mean. There is soo much to read.

 

I have been looking at how to calculate this recommended 8%. No idea how to work out the compound interest...

 

Anyways, excel has become my friend, took me a wee while to work out that. 8% x charge x days since charge / 365.

 

There are spreadsheets on this site to help out.

 

I too have a student account and my graduate scheme is only 12 months. I feel robbed

 

StyX

StyX Has Won

 

RBS - £2,500

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Right need to look at that then! I think I'm going to phone the bank tomorrow anyway just to see where they stand at the mo. I'll definitely do the 8% spreadsheet then- if I'm going to court anyway!

 

Rbs have most definitley lost out, I started my first graduate job about 6 months ago and my wages are paid into my HSBC account!

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Lol, i moved banks a while bank for various reasons, like the post-graduate account offered by Lloyds and it was easy to get for my parents to transfer cash into my account, i.e. they are lloyds as well.

 

StyX

StyX Has Won

 

RBS - £2,500

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  • 4 weeks later...
You ask for the amount again not including interest. Also you do not have to enclose a Schedule of charges. I think some more reading of the faqs and step by step instructions is required.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

 

Hi I am at the stage where I am about to file my claim. can you help with regards to the actual form. as you can't copy and paste on to the actual court form do you put the particulars of claim onto a word doc and attach or hand write on court form?

 

Thanks last question- hopefully!

 

Rachael

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