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    • going by your figures    £5239.50 was added to the £21k loan making the amount we borrowed  £26239.50.   so the PPIPCM% was: ppi/loan+ ppi*100=%   5239.50/26239.50*100=19.97% so lets call that 20% so 20% of any payment made on its date was PPI.   now you'll have to fill out the statint sheet as if you haven't yet been refunded then add in the payment you got on its date as a minus figure on the sheet on its date to the sheet   that will tell you whats outstanding from the refund   thus what you owe today.   dx          
    • Next you need to send off for a breakdown of the charges the Bailiff applied.  . Here's an example,  use and ADAPT at will and best sent initially by email backed up by a copy in the post. . "From: My Name My Address . To: Acme Bailiff Co Bailiff House . Ref: Account No: 123456 . Dear Sir . With reference to the above account, Can you please provide me with a breakdown of the charges.  . This includes: a - the time & date of any Bailiff action that incurred a Fee. b - the reason for the fee. c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged. d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at. e - the date of the Certification. . This is NOT a Subject Access Request uest under the Data Protection Act S7 1998  You are obliged to provide this information. . I require this information within 14 days. . Yours faithfully . Ripped off customer" .
    • well no you did tell them you'd cancelled the fact that you omitted to pay one extra dd after that date is somewhat immaterial now.   your problem is you've done all this by email. you now need to stop using email and block and bounce them totally   using royal mail send harlands a letter offer them one months payment as you cancelled the dd without leaving 30 days for the next  payment to be taken. but refusing to pay any unlawful admin fees.   if they fail to accept that. you ignore everyone.   dx        
    • not your problem   use the custom google search on the top right    pcn claimform get reading up on what is to come if they proceed. and no you don't need to add to your defence.   dx
    • Hi Slick.    Originally my contract was with someone else and was a 12 month thing (which I was past) so I assumed it was a one month rolling contract. However when my gym changed ownership Harlands took over my DD (and put the price up).   I didn't tell the gym directly I just cancelled it with my bank due to miss information from my gym. The last DD payment was late last year probably around October time as this has been going on for a while with emails between myself and Harlands.
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    • 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
        • Like
      • 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
dpgunn

dpgunn v RBS

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4361 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.

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Thank you

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I would like to know why account charges seem to vary from month to month. Sometimes it is £24 and sometimes £40 or more. I'm assuming this is due to the account going into debit, but it seems to that it doesn't have to be much debit or for long to attract these charges. Is it allowable to include the charges in your interest claim?

----------------------------------------------

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html?highlight=helpful+external+links A-Z INDEX. really uselful

 

GaryH useful tips for court phase:

http://www.consumeractiongroup.co.uk/forum/member.php?u=19614

 

http://www.consumeractiongroup.co.uk/forum/general/57708-draft-order-allocation-questionnaires.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html really useful

 

http://www.consumeractiongroup.co.uk/forum/helpful-external-links/

 

http://www.kendallfreeman.com/kf-pdf/Unconscionable%20behaviour%20in%20contractual%20negotiations%20-%20June%202004%20-%20kendall%20freeman%20article.pdf good case

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/82148-got-court-date-important.html#post732094 Imp. stuff preparing bundle.

 

http://www.consumeractiongroup.co.uk/forum/general/7261-when-you-get-your.html Letter thanking, but not accepting as final settlement.

------------------------------------------

(I already had my statements saved, sad lad)

14.12.2006: Preliminary letter to RBOS.

7.1.2007: LBA. Claim: £5085.12 (This includes interest component)

3.2.2007: N1 sent to county court. Fee £250, because > 5k

23.2.2007: Ackn of Service - bank defends.

13.3.2007: Defence received.

15.3.2007: AQ received & filed c court, + Order for Directions + Response to

Defense

3.4.2007: General Form of Judgement received.

5.4.2007: Copy RBOS AQ received.

12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)

Court accepts Small claims figure.

2.5.2007: Court bundle sent Registered mail.

14.5.2007 - BANK PAYS IN FULL. £4781.93


I already had my statements saved, sad lad)

14.12.2006: Preliminary letter to RBOS.

7.1.2007: LBA. Claim: £5085.12 (This includes interest component)

3.2.2007: N1 sent to county court. Fee £250, because > 5k

23.2.2007: Ackn of Service - bank defends.

13.3.2007: Defence received.

15.3.2007: AQ received & filed c court, + Order for Directions + Response to

Defense

3.4.2007: General Form of Judgement received.

5.4.2007: Copy RBOS AQ received.

12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)

Court accepts Small claims figure.

14.5.2007 - BANK PAYS £4781.93

Last edited by dpgunn : Today at 12:16. Reason: Update

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No, it just says 'charge to ...' then the date up to which the charge was being levied. I haven't asked bank itself yet, I guess I don't want to show my hand too early. I do have an overdraft on the account, but the charge changes from month to month quite substantially.


I already had my statements saved, sad lad)

14.12.2006: Preliminary letter to RBOS.

7.1.2007: LBA. Claim: £5085.12 (This includes interest component)

3.2.2007: N1 sent to county court. Fee £250, because > 5k

23.2.2007: Ackn of Service - bank defends.

13.3.2007: Defence received.

15.3.2007: AQ received & filed c court, + Order for Directions + Response to

Defense

3.4.2007: General Form of Judgement received.

5.4.2007: Copy RBOS AQ received.

12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)

Court accepts Small claims figure.

14.5.2007 - BANK PAYS £4781.93

Last edited by dpgunn : Today at 12:16. Reason: Update

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That charge is a mixture of Royalties fee and Over-limit penalty.

 

Royalties fee was £8 then £10 now £12. I don't know how others have approached the problem but I intend to average the fee at £10 and take that off each month to leave the penalty.

 

I am taking an average of the fee because the bank won't tell me when the rate changes took place.

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I'm pretty sure I could tell you when charges changed, because I have kept my original statements and it is fairly obvious when the charges increase. However, I like your idea as it seems we really shouldn't be doing the banks work for it in this case. So I shall take an average of £10 off as well. ta.


I already had my statements saved, sad lad)

14.12.2006: Preliminary letter to RBOS.

7.1.2007: LBA. Claim: £5085.12 (This includes interest component)

3.2.2007: N1 sent to county court. Fee £250, because > 5k

23.2.2007: Ackn of Service - bank defends.

13.3.2007: Defence received.

15.3.2007: AQ received & filed c court, + Order for Directions + Response to

Defense

3.4.2007: General Form of Judgement received.

5.4.2007: Copy RBOS AQ received.

12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)

Court accepts Small claims figure.

14.5.2007 - BANK PAYS £4781.93

Last edited by dpgunn : Today at 12:16. Reason: Update

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Can anyone tell me what a referral charge is, please?


I already had my statements saved, sad lad)

14.12.2006: Preliminary letter to RBOS.

7.1.2007: LBA. Claim: £5085.12 (This includes interest component)

3.2.2007: N1 sent to county court. Fee £250, because > 5k

23.2.2007: Ackn of Service - bank defends.

13.3.2007: Defence received.

15.3.2007: AQ received & filed c court, + Order for Directions + Response to

Defense

3.4.2007: General Form of Judgement received.

5.4.2007: Copy RBOS AQ received.

12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)

Court accepts Small claims figure.

14.5.2007 - BANK PAYS £4781.93

Last edited by dpgunn : Today at 12:16. Reason: Update

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'Referral charge' is when they pay a DD that you didn't have funds to cover, as opposed to 'Returned DD' which is when they don't pay it....damned if they do, damned if they don't!

 

Claim them back.

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I sent in my request for over charging about 3 weeks ago. Royal Bank of Scotland, £3,800. I have received no reply so far, is this ususal?


I already had my statements saved, sad lad)

14.12.2006: Preliminary letter to RBOS.

7.1.2007: LBA. Claim: £5085.12 (This includes interest component)

3.2.2007: N1 sent to county court. Fee £250, because > 5k

23.2.2007: Ackn of Service - bank defends.

13.3.2007: Defence received.

15.3.2007: AQ received & filed c court, + Order for Directions + Response to

Defense

3.4.2007: General Form of Judgement received.

5.4.2007: Copy RBOS AQ received.

12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)

Court accepts Small claims figure.

14.5.2007 - BANK PAYS £4781.93

Last edited by dpgunn : Today at 12:16. Reason: Update

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request for charging? do you mean a letter requesting a refund?


post office

WON 12/11/06

 

 

abbey

LBA sent 30/10/06

MCOL claim submitted 8/11/06

allocation questionnaire sent 16/12/06

schedule of charges sent 16/12/06

WON

 

2nd abbey claim SAR sent 3/1/07

WON

complaint letter sent 18/1/08

 

alliance and leicester

WON

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Yes, I HAVE NOT yet sent any formal notice of legal action. It's just a request to refund the 'illegal' - that is the letter downloaded from this site.


I already had my statements saved, sad lad)

14.12.2006: Preliminary letter to RBOS.

7.1.2007: LBA. Claim: £5085.12 (This includes interest component)

3.2.2007: N1 sent to county court. Fee £250, because > 5k

23.2.2007: Ackn of Service - bank defends.

13.3.2007: Defence received.

15.3.2007: AQ received & filed c court, + Order for Directions + Response to

Defense

3.4.2007: General Form of Judgement received.

5.4.2007: Copy RBOS AQ received.

12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)

Court accepts Small claims figure.

14.5.2007 - BANK PAYS £4781.93

Last edited by dpgunn : Today at 12:16. Reason: Update

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I set up a post on calculating RBS charges. You can find it here.

 

This should help you break down your charges.


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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:smile: Would anyone care to answer my original question - which was "Is it unusual for the bank not to send any answer in the first 3 to 4 weeks?" If so, when should I remind them that I do expect some form of reply?:?:

I already had my statements saved, sad lad)

14.12.2006: Preliminary letter to RBOS.

7.1.2007: LBA. Claim: £5085.12 (This includes interest component)

3.2.2007: N1 sent to county court. Fee £250, because > 5k

23.2.2007: Ackn of Service - bank defends.

13.3.2007: Defence received.

15.3.2007: AQ received & filed c court, + Order for Directions + Response to

Defense

3.4.2007: General Form of Judgement received.

5.4.2007: Copy RBOS AQ received.

12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)

Court accepts Small claims figure.

14.5.2007 - BANK PAYS £4781.93

Last edited by dpgunn : Today at 12:16. Reason: Update

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If the bank have failed to respond in the time you stipulated then go to the next stage, what ever that may be.

Send the LBA stick to your time limits.


An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Right. I have sent my LBA. I have also recieved my copy of Small Claims Made Easy. Interesting read.

I will get my N1 in if I need to, I'm thinking of doing it online as it looks easy & neat. Has anyone had experience of electronic applications? I've read a few posts about Fast Track, is this the same?

Also it seems to want the name of my local court (somewhere in the Durham area). Is there a place I can go to find a list of appropriate courts?

 

I also have difficulty navigating the site (not very computer literate, e.g. what in heaven's sake happens when you furl a post?). I would like to link to the A-Z index post & also Karnevil (as it hyperlinks to all the essential documents). I tried clicking the icon "link to this post", but nothing seems to have happened. Can you advise.


I already had my statements saved, sad lad)

14.12.2006: Preliminary letter to RBOS.

7.1.2007: LBA. Claim: £5085.12 (This includes interest component)

3.2.2007: N1 sent to county court. Fee £250, because > 5k

23.2.2007: Ackn of Service - bank defends.

13.3.2007: Defence received.

15.3.2007: AQ received & filed c court, + Order for Directions + Response to

Defense

3.4.2007: General Form of Judgement received.

5.4.2007: Copy RBOS AQ received.

12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)

Court accepts Small claims figure.

14.5.2007 - BANK PAYS £4781.93

Last edited by dpgunn : Today at 12:16. Reason: Update

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Could someone look at my previous post & see if they can answer any or part of it. Thanks.


I already had my statements saved, sad lad)

14.12.2006: Preliminary letter to RBOS.

7.1.2007: LBA. Claim: £5085.12 (This includes interest component)

3.2.2007: N1 sent to county court. Fee £250, because > 5k

23.2.2007: Ackn of Service - bank defends.

13.3.2007: Defence received.

15.3.2007: AQ received & filed c court, + Order for Directions + Response to

Defense

3.4.2007: General Form of Judgement received.

5.4.2007: Copy RBOS AQ received.

12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)

Court accepts Small claims figure.

14.5.2007 - BANK PAYS £4781.93

Last edited by dpgunn : Today at 12:16. Reason: Update

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Fast track is a higher court, the no cost rule does not apply.

Using MCOL is a convenient way of issuing a claim.

Have a good read of the FAQs theirs also a new template for the MCOL.

 

Paul.

  • Confused 1

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Right. I have sent my LBA. I have also recieved my copy of Small Claims Made Easy. Interesting read.

I will get my N1 in if I need to, I'm thinking of doing it online as it looks easy & neat. Has anyone had experience of electronic applications? I've read a few posts about Fast Track, is this the same?

Also it seems to want the name of my local court (somewhere in the Durham area). Is there a place I can go to find a list of appropriate courts?

 

I also have difficulty navigating the site (not very computer literate, e.g. what in heaven's sake happens when you furl a post?). I would like to link to the A-Z index post & also Karnevil (as it hyperlinks to all the essential documents). I tried clicking the icon "link to this post", but nothing seems to have happened. Can you advise.

 

Thought I'd just let you know.....I haven't a clue. All my have so far settled prior to court so unfortunately, I can't help. As for navigating the site, don't know what you're talking about so I guess it's beyond me too :confused:

 

If you need a response from someone, why don't you pm a link to this thread to one of the more experienced / advanced peeps that hang around RBS, livelylad springs to mind, however, there are others. Open a few posts and see who the knowledgable peeps are and pm one of them asking them if they'd be so kind as to sort your court questions ;)


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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how do you 'pm'?


I already had my statements saved, sad lad)

14.12.2006: Preliminary letter to RBOS.

7.1.2007: LBA. Claim: £5085.12 (This includes interest component)

3.2.2007: N1 sent to county court. Fee £250, because > 5k

23.2.2007: Ackn of Service - bank defends.

13.3.2007: Defence received.

15.3.2007: AQ received & filed c court, + Order for Directions + Response to

Defense

3.4.2007: General Form of Judgement received.

5.4.2007: Copy RBOS AQ received.

12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)

Court accepts Small claims figure.

14.5.2007 - BANK PAYS £4781.93

Last edited by dpgunn : Today at 12:16. Reason: Update

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Sorry........pm as in private message, easiest way to do this is click on the persons name on a post (where it says "Basic Account Customer" or something similar), a menu will appear and you can select "click on send private message".

  • Confused 1

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Thanks, that helps alot - I can see the light at the end of the tunnel.


I already had my statements saved, sad lad)

14.12.2006: Preliminary letter to RBOS.

7.1.2007: LBA. Claim: £5085.12 (This includes interest component)

3.2.2007: N1 sent to county court. Fee £250, because > 5k

23.2.2007: Ackn of Service - bank defends.

13.3.2007: Defence received.

15.3.2007: AQ received & filed c court, + Order for Directions + Response to

Defense

3.4.2007: General Form of Judgement received.

5.4.2007: Copy RBOS AQ received.

12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)

Court accepts Small claims figure.

14.5.2007 - BANK PAYS £4781.93

Last edited by dpgunn : Today at 12:16. Reason: Update

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I need a little more information, I really hope someone answers quickly. After a period of inactivity (both by me and the bank), I am now preparing to send off my N1 claim.

I started my 'process' on 4.12.06 (I didn't need to get my statements as I am 'anal'). I sent my LBA on 7.1.07 with usual 14 day warning. RBOS replied (x2) that they were "looking into it" - nothing from them since.

My problem is this - the hmcourts website mentions sending the N1 form to England or Wales, however my correspondence has only ever been with Edinbugh i.e. Scotland. Despite a good deal of looking around in fora I can see no mention of whether previosly folk have used the Scotland address or one in England (perhaps a branch of RBOS). I am going to assume that most of the successful claims have been from people who live in England and that using the Scotland address is ok.

 

!FEEDBACK - I write this letter in a rather ****ed off state. Not only have my rights to 'pm' been removed, but my avatar has been taken off my site. - I have always found this CHALLENGING site to use, but have felt that patience & persistence would win out & up to now I have been correct. I have become more proficient with time. -

POST SCRIPT. 29.1.2007 It appears that the site was being cleaned, the problems now appear to have dissappeared. I think my main problem is that sometimes it be quite lonely in this cyberspace, I think it because I am not a regular blog user and don't feel comfortable in them yet. One can spend a lot of time fumbling around, but actually that's how we all seem to learn in the long run.

N1 - i found it useful to look at bankfodders 'worked document' which can be found in actions in court forum.

Thanks very much to taff & hydra for answering and putting me right.


I already had my statements saved, sad lad)

14.12.2006: Preliminary letter to RBOS.

7.1.2007: LBA. Claim: £5085.12 (This includes interest component)

3.2.2007: N1 sent to county court. Fee £250, because > 5k

23.2.2007: Ackn of Service - bank defends.

13.3.2007: Defence received.

15.3.2007: AQ received & filed c court, + Order for Directions + Response to

Defense

3.4.2007: General Form of Judgement received.

5.4.2007: Copy RBOS AQ received.

12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)

Court accepts Small claims figure.

14.5.2007 - BANK PAYS £4781.93

Last edited by dpgunn : Today at 12:16. Reason: Update

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I think right now a lot of access rights, permissions etc have been reduced because there has been a massive increase in interest in this website due to a lot of exposure on TV. Whilst the servers are being upgraded they have limited a lot of things like the ability to pm etc etc. Should all be back to normal pretty soon.

 

AS for the N1 business, like I said in pm, don't know myself, Hydra should be able to help.....surprised he hasn't been in here tbh.....


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Hi sorry, missed it...little flags showing the threads I'm subscribed to have gone, along with some of dp's forum functions apparently.

 

Firstly dp - calm!

 

Now, N1 address for service can be your local branch, thats who got mine.

 

There is also this address.

 

RBS LITIGATION

1 PRINCESS STREET

LONDON

EC2R 8P

 

Okay?

 

Maybe you'd like to lower the tone of your !FEEDBACK now you know it's not personal? A little tactful editting perhaps?

  • Haha 1

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BIG DAY. I posted off my claim to the " small claims court" last Saturday. I will keep you informed of progress. Wish me luck.

P.S. - the bank sent me a sheet full of charges they had made on the account just last week (slipped into OD!) TIMELY REMINDER OF WHY I AM DOING THIS!!

 

RBS LITIGATION

1 PRINCESS STREET

LONDON

EC2R 8P

 

P.P.S. - I used the London address above as my bank address, although I did mention the address of the head office in the first box on the form. We'll see if it confuses them!


I already had my statements saved, sad lad)

14.12.2006: Preliminary letter to RBOS.

7.1.2007: LBA. Claim: £5085.12 (This includes interest component)

3.2.2007: N1 sent to county court. Fee £250, because > 5k

23.2.2007: Ackn of Service - bank defends.

13.3.2007: Defence received.

15.3.2007: AQ received & filed c court, + Order for Directions + Response to

Defense

3.4.2007: General Form of Judgement received.

5.4.2007: Copy RBOS AQ received.

12.4.2007: Notice of Allocation & Hearing - Small Claims (Date 24.7.07)

Court accepts Small claims figure.

14.5.2007 - BANK PAYS £4781.93

Last edited by dpgunn : Today at 12:16. Reason: Update

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