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    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer and that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim and don't add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the members of suggested above – it should be the final version. court, that I would respectfully requestup but I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Hey everybody,

I've just printed out my first letter asking for all my charges in the past six years. I've just left the airforce and I can say right now that my money management wasn't the best. I was regularly overdrawn and when out of the country lots of charges were accrued. (£135) in three days at one point last year. I'll keep you all updated as to what I'm owe and how things go. Wish me luck.

This site has made me feel like I think everyone should feel. The banks are there to help us, not the other way around. It's our money, we've worked hard for it so what gives them the right to grossly overcharge what is often a minor misjudgement or error.

Lets get at them. :cool:

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Hi golfmaniac and welcome.

 

Best of luck!

"If you owe the bank 100 pounds, you're the one with the problem. But if you owe a million pounds, the bank's the one with the problem."

 

Lord John Maynard First Baron Keynes of Tilton.

 

"If you owe the bank $100, that's your problem; if you owe the bank $100 million, that's the bank's problem".

 

John Paul Getty

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Posted my letter asking for a list of charges today. So am I right in thinking I should have them in my hand my 1st of April at the latest? I'm dreading taking them on but i'm encouraged by how much success other people have had!

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Just wiondering. What's the quickest anyone's had their money refunded? And Has anyone ever been offered the full amount before going to court? I don't know if I could cope with that. that puts the fear right up me!

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Hi Golfmaniac

 

I wouldn't start spending the money just yet. I posted my SAR 18 days ago, and have yet to even get my statements. I gather RBoS is snowed under with claims, so you may have a long wait. The good thing is it gives you loads of time to research your next steps, including court, if it comes to that. Don't worry too much though there are loads of very clever people here to help you, and we are all going through this together. :D

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Cheers fella. I'm about to go on my training copurse for my ne job you see so I'll have to make sure everything's done in time and on time with that. I'll be going offshore as well every two weeks so I'll have to be careful with my timings

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It seems to be getting longer before settlement on the larger claims. Think that's purely due to volumes going for it now. Try not to worry about the court thing, there is so much help on here. With my particular case it appeared that as soon as I got a court date (30th May) Cobbetts paid straight up in full. Their letter stating that "Although our client maintains its position as stated in these letters, and is confident that it will be successful at a final hearing, its legal fees will almost certainly outweigh the value of the claim".. so they paid me 3k... so keep going... keep to your timescales and you'll be fine!... Good Luck!:)

:)RBS - Settled in full -3k
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Hiya, just wasnted to head you to my thread for some encoragement. I claimed back 5044.00, and fof the top of my head, I think that the whole of my claim took just over a month:eek:. Good luck with your training.

 

Michelle

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  • 4 weeks later...

Got my SAR back on friday. Gona go thru it today and add it all up. I take it i then send my initial letter back asking for the money?what's the timescale on that? and should I send it to my local branch or the head office in edinburgh?

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send it to

Customer Relations Manager

The Royal Bank of Scotland plc

Freepost

PO Box 1727

Edinburgh

EH12 9JN

remember to send it recorded delivery - you give them 14 daqys to respond (they probably won't) then you send the Letter Before Action.

Request for statements sent 1/2/07

 

Statements received 10/02/07

 

Prelim emailed and posted 15/02/07

Prelim email received 15/02/2007

Prelim letter signed for 16/02/2007

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Hi, just a thought, I don't think you can send Recorded or Special delivery to a PO box as no one there to sign for it, I may be wrong though!

 

All mine went to:

 

Customer Relations Unit

Retail Support

The Forthstone

56 South Gyle Crescent

Edinburgh

EH12 9LE

 

Hope that helps!

SM:p

Paying interest on a loan caused by penalty charges? Read this!!

 

Very useful A-Z here:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html?highlight=can%27t+find+what+you%27re+looking+for%3F

 

New strategy for Scots claims here:

http://www.consumeractiongroup.co.uk/forum/scotland/71013-urgent-attention-please-read.html

 

Scottish procedure:

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/42620-scottish-procedure.html

I am a layperson not a legal expert, my advice is offered without prejudice or liability, it is purely my opinion based on personal experience and should be treated as such. If in any doubt seek the advice of a qualified professional.

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Send to the registered office yes.

Po.Box is fine......It is the serving of court docs thats a prob for a PO Box in Particular online HMCS.

If in doubt check the latest contact details which are shown at the header in every bank group.

The main concerns should be what lies ahead......Cobbetts but there is more than enough info here to deal with that !!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

Hi

 

I wrote a polite letter to my bank (RBS) on the 2nd of March.

 

there are 2 accounts involved, one of which we've been charged £334 and the other £7400!! (had two very bad years).

 

I received the usual letters 14 days later - "our charges are fair and transparent etc..... I was getting really worried until I turned to page two of these letters - "as a gesture of goodwill and without admission of wrong doing we are prepared to make you an offer of £...... in full and final settlement of your claim".

 

I am over the moon to say the least. They have offered us EVERY PENNY back!

 

I'm presuming this is becuase we've banked with them for over 20 years, I have to say I was so worried they may close our account but it's all been very polite, and extremely quick. I jsut hope they're as quick putting the moneys back into my account as I've spent it already! lol

 

Holly

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Wow! That's an amazing result considering the amounts. Congratulations. Don't forget to fill out the survey (at the top).

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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