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    • a 'witness' to it not arriving till the 15th is sadly immaterial too. regardless to the above anyway, the PCN remains valid. 
    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
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**S Smith vs RBS** ....some qus please.


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Have two accounts with RBS...Student and Savings - I imagine I've run up charges of nearly £2k on the Student one and probably £200 or so on the other.

 

Anyhow, Wrote to both branches (student account was opened up in Scotland and Savings was opened where i live now, in England) on the 20th Dec. Had no reply so decided to ring both branches today - both said that no letter had ben received but they would request statements and I should expect them within 7 days.

 

Browsing through the forum I see people have been making seperate claims when they have two accounts with the one bank. Is there anything wrong with me doing it all under the same one claim?

 

Also, I would prefer to take the complaint directly to customer relations (as opposed to going through branch).....should I address my letter simply to 'cust relations' or could I use a person such as 'Tommy McLean" who I understand deals with a lot of these.

 

Sorry if these qu's appear silly - its just that I'm a bit nervous at 'taking on' a bank.

 

Thanks!

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No reason you can't merge claims.

 

Bear in mind if you are now in scotland, small claims court has a limit of £750 so would need to split your claims down into pieces.

 

I used the customer relations address on the RBS website that you should write to if you have a complaint.

 

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If I've been help to you, click on my scales and add to my rep! :wink:

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Stuck with RBS charges?

Click here!!

 

Settled

RBS Current Account1 £2794

RBS Current Account2 £503

HBOS Credit Card £498

 

Still to Settle

Barclaycard Est£180

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 for that.

 

Recieved the statements for my student current account today and the charges come to £700. Should get the statements for my other account in the next couple of days. I estimate the charges for that one will be around £500.

 

I have a small concern though....My student overdraft limit is 2k and I generally operate close to that limit each month. What is the possibility of RBS calling in the overdraft once I make this claim? This would be a MAJOR problem for me since I wouldnt have the funds to pay this off (at the moment anyway).

 

Cheers,

S

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I don't really know.....we can't second guess the banks. They might, they might not.

 

If you don't muck up and go over your overdraft they don't really have any reason to.

 

I wouldn't like to say categorically no they won't because they could if they wanted to. Do a bit of reading, search for keywords relating to your questions see what comes up.

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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All I know is my experience - I, like you operate fairly close to my £1500 overdraft so this was also a concern of mine. Just after I started this process I received a letter requesting I go into the bank to discuss my overdraft facility....'here we go' I thought but when I phoned them they tried to make out it was my annual review but thankfully I could remember when that was due and it wasn't due for another 6 moths so I pointed this out, made her tell me it must be a mistake and asked her to show this on my file. I then phoned back later that day and asked someone else who confirmed it had been done. I haven't heard anything else.

In saying that I'm due my claim from them soon so maybe the tone will change when I have money they can take back off me!!

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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Thanks for your replies....I guess this is a risk I'll just have to take. Received second set of statements today and total charges come to £1100ish (wont put the exact amount here in case RBS are watching - lol). Going to mail my initial letter in an hour or so to Cust Relations at South Gyle.

 

Will keep y'all updated as and when I hear anything!!

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  • 2 weeks later...

Well today was my deadline (gave them 10 working days) and thus far nothing from rbs. I emailed sandy watt a few days ago who said, "because of the volume, we do not ackowledge letters however I can confirm we have reveived your and expect a response in the near future".....Going to fire off LBA before 5pm today - can I also email the LBA?

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I sent my Prelim the same day you did and recieved an offer for the full wack today!! you can do it all via email if you like, saves the cost of postage.

 

Congrats & well done!!

 

I think I may just email them now.....saves the trek to the PO in this freezing weather!

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edited

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

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And I won!

 

Offer of full refund received from T McLean on Saturday 10th. Mailed it back special delivery which got there on the 12th so just awaiting them putting the money back into the account now (does anyway know if they are pretty quick at this?).

 

So it only took about 15 days in total.

 

Thanks to all at CAG. Will be making a donation once the funds hit my account.

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my first claim it took about 4 days from the time I sent my letter fro funds to hit my account.... this time I have sent my letter back on Saturday Feb 10th but still no funds in my account... i like the 2nd class postage envelope they now include with the offer letters :)

what they are paying in charges they are saving in post!! :)

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