Gass V Rbs ****settled****

[GASS]

Hi all

 

Am new to this forum, but I have filed a MCOL againt RBOS and have recently received an Allocation Questionnaire from the courts which I have filled in and sent back with fee for £100.00. The solicitors for RBOS offered me 2 weeks ago £1900 out of a £4000 claim, I have turned it down.

 

I have received the court date as 14 Feb, and to day received a copy of the RBOS Allocation Questionnaire. I am a little puzzled as they ave not paid a fee for their AQ or is it just the claimant who pays this?

 

Have any of you been at this stage and did it go all the way to court?

 

I don't know if it is worth writing to them again and saying I am suprised that they are willing to allow the claim to go as far as court?

 

Any suggestions advice etc would be great.

 

I am just about to start on the RBOS credit card and have just sent of for a breakdown of my charges, and in the New year, we will be looking to see if possible to claim back the Early Redemtion Fee that we had to pay when we moved our mortgage away from RBOS.

[barracad]

I would advise you to wait for them to make the next move. They will no doubt settle in full before the case gets to a court hearing - that's what they've done with everyone else as you will see if you browse other threads in the Abbey forum.

[GASS]

Hi Guys

 

Just a bit of general advice (and reasurrance)needed please....

 

I have been through MoneyClaim On Line, completed AQ and returned to Court, had a partial offer from Cobbets, which I turned down. Court date now set for 27 Feb. And now all has gone quite.

 

(Must admit I am not they type of person who can think on their feet - I do have to take things in and then go away and think about them, so am not really looking forward to this at all.)

 

I did send some information to the Courts with my AQ i.e. list of charges. I realise that I may be asked to submit further information no more than 14 days prior to court date - but this has not been requested by the court yet. SO should I be proactive on this and draw up the Court Bundle and send it to the Court and a copy to CObbetts? I really don't know what the best thing to do is. My claim is for just under £4000.00.

 

On another note with RBS Credit Card I submitted one letter stating that I felt the charges they had issued against us were unfair,and within 3 weeks I had a cheque for £317.00 on the doormat. I just don't understand why this happened so quickly and why the other did not.

 

I now want to start on the Early Redemption Charge that RBS imposed on us when we had to move our mortgage to another lender, because of an ufortunate financial situation in Feb last year when hubby was made redundant and the inflexibility and inability of the RBS to help us thourhg, even though hubby had another job within a couple of days - their solution to help us was to just keep charging us, despite repeated phone calls and letters. Oh well!

 

SO if there are any suggestions to the next steps ...........

[GASS]

HI Guys

 

Any suggestions on my question?

 

I did send some information to the Courts with my AQ i.e. list of charges. I realise that I may be asked to submit further information no more than 14 days prior to court date - but this has not been requested by the court yet.

 

SO should I be proactive on this and draw up the Court Bundle and send it to the Court and a copy to CObbetts? I really don't know what the best thing to do is.

 

My claim is for just under £4000.00.

[ninekey]

A bit of brinkmanship is called for here. Cobbetts will not want to go to the cost of preparing for the hearing. I suggest that you take some steps to raise the profile of the forthcoming hearing, just as a reminder (to them) that it's fairly soon! I'd try writing to Cobbets with an index of the documents that you intend to refer to or rely upon at the hearing and asking for their agreement. You should also give them the opportunity to add in any items that they want to refer to. The Courts tend to like this kind of co-operative approach: it is much easier to refer to one centralised, agreed, paginated bundle.

 

Of course, tactically, your aim is to show that you're up for the hearing and that you have some conviction in your case. Push your case up their agenda. That's your best shot at squeezing out an improved offer.

 

Weren't any directions re filing of docs specified on the Court Notice of Hearing? That's definitely your final hearing date, is it, rather than an Allocation Hearing or Notice of a CMC??

[GASS]

Hi and Thanks Ninekey

 

The last communication from the courts that I had was for Court Notice of Hearing, (thought I would need to check) and they did not ask for any other documentation, I did previously, when I completed and sent my Allocation Questionnaire provide them a schedule of charges and put in a seperate document with all my reasons for claiming charges back. I also sent a copy of all this to Cobbetts which prompted the partcial offer, which I turned down. Like I said it has all gone quite with Cobbetts......

 

So That is why I got to thinking about sending the Court Bundle because I did say in my document to the court that I may bring other documents with me to the hearing. SO as you say being a bit proactive may well raise the profile again.

[GASS]

Back in November 06 I wrote to RBS Credit card and asked for my charges back, the worte the usual letter saying that they did not agree etc.

 

So I straight away wrote back and said 14 days to reconsider or I would redress the courts and file a claim for the money.

 

We went away for Christmas and on our return between Christmas and New year found a cheque on the door step for £317.00 What a result.

 

I just wish that the bigger claim we have for just under £4000 would be that simple, had notice of DIRECTION from the courts for the end of February.

 

As it has gone really quiet with Cobbetts I am just about to send a list of intended documents that I will use as evidence in my case so hopefully they will get their gear into action and make a decent offer. Already turned down part offer from them for a fraction of the amount.

 

When this one is sorted I am then going to go after the Early redemption fee which was £4500, mostly their fault that we had to move the morgtage to raise extra funds to cover all the charges that they imposed on us last feb when hubby was unexpectedly out of work, though we explained situation many times to them they did not listen and forced our hands SO NOW WE WANT IT BACK!!!!

 

[GASS]

Can't believe it, I have a cheque for just over £4000 to put in the bank. It has taken quite a while to get this since I first started my claim back in the middle of last year. Court date was set for 27 Feb, so I suppose I had better contact them and file a Notice of Disontinuance (wait for the cheque to clear first)

 

Taken a lot of bottle to stay the course as well, and I feel that that is down to the help, support and suggestions that is offered on this site.

 

I kept reading every one elses success stories and thought I would be the one that has to go through to court. But no......

[isidore]

Congrats Gass, shame you didn't keep a thread going with your progress so other's could see what happened......

[TINK660]

Well done!

[maroondevo52]

Superb Gass ! Well done.

 

 

Regards.

 

Scott.

[Sugar-walsh]

Yeah, it looks like it was an expensive weekend for rbos. I got an offer of full settlement, with 8 %, this weekend too! Just have to return letter to say I accept. Will then be closing account and moving to one which pays lots of lovely interest on my money!

 

Spend wisely!

 

Sugar:p