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8% interest and 6years/5years question help needed!


daver1975
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hi there,

 

i'm in the process of readying my summary cause claim against RBS, details here:

 

daver1975-vs-RBS

 

i've run into a couple of head scratchers though, been reading the whole forum for a couple of days, but no definitive answer. i hope someone can help. (also *just* found the scotland section, tucked away, not easy to find!)

 

i sent off LBA etc to RBS, claiming back approx six years, before i fully understood that we're only allowed to claim five years in scotland? now, i'm thinking i might leave it as it is, and see what happens. i've read of other people just not getting that portion back, and others getting full amounts.

 

what do you all think?

 

also, the second question is this: does the 8% spreadsheet calculator apply to us here in scotland too? i was all set to go with this, and claim like £400 more using this spreadsheet, but then i read a few posts saying we couldn't use it for our scottish claims etc?

 

i'm a tad confused, and disappointed i only found this section of the forum 2 days before filing my claim at court!

 

*head spinning!*

 

thanks a lot you 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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Hi

 

Don't really know about the 6years/5 years dilemma - I have used 5 years as a yard stick - maybe those getting money back for the 6th year are based in England?

 

Re the 8% interest - I have always included this in the court forms (I have gone down the route of small claims) - although to be honest the two claims which have been settled by the bank have not included this calculated interest amount - I have recently written to the court asking if I can pursue claiming this as it was part of the claim filed and which was eventually settled!

BoS-sm claim1 return date 23.11.06

£633.12 settled 05/10/06 (no 8% interest!!!)

BoS-sm claim2 return date 07.12.06

£512.00 settled 04/12/06

BOS - sm claim 3 lodged 02.11.06 for £701.86

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I claimed and got my 8% from BOS. They paid up just before it went to court the full amount minus interest and I said unless they paid the interest I would continue with my court case as they hadn't settled it in full. It took a bit of arguing but I got it all paid. Stay firm and you will get it!

BOS - PAID IN FULL

Barclaycard - NEXT!!!

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thanks guys! check my other thread for progress:

daver1975-vs-RBS

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. I don't know if you've found these, or if it's too late for you, but there is a slight differnece to the Scotland spreadsheets than the English ones.

VAMPIRESS'S CHAMBER OF "CONSUMER ACTI...

I only just found this Scotland section too as I have a query regarding RBS, we are in England and I'm stumped as to what address to use.

Settled at 50%

Clydesdale £155. Should have been £310 charges, plus interest :( Husbands Account.

 

 

SETTLED IN FULL:

MBNA £1230. For Hubby.

Halifax £39.

RBS £342. For Hubby.

Cap One £200.

Abbey:

:D Settled in FULL April 18th 2007. £5179.83 Paid but what a long battle!

:D

COMPENSATION OF £100 ON 14/04/08 FOR CONTINUED HARASSEMENT.

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thanks kerrie, I had the english one right enough! i think i'm going to go through this and do it all again properly.

 

did anyone see the "money programme" tonight? it was awesome!

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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