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    • As far as I'm aware the local council don't have any information on the land. I will tell her to get some legal.advice about it. Thanks for your advice it's much appreciated 
    • Hi I would welcome some advice please.  I have been a CAG member for some time and you have helped in many ways.   Way back in October 2007 I took out a loan with Black Horse Finance for £4,000 to pay for a new central heating system that I was forced to install when I had to move into an old mid-terraced house.    The problems with this house got worse over the years and in October 2012 the account was assigned to MEIV who traded under the name Marlin. Also at that time my affairs were being handled by a Debt Management Company.  This company, Money Worries, subsequently disappeared with the MD being chased by Greater Manchester Police.    There followed a long and painful period with Marlin whereby they constantly stated there was no payment plan and I stated that there was.  They claimed no payments had been received and it was down to me to try and sort the mess out.  I said at the time that I would maintain the same payment as I had been to the DMC which was £12.25 per month.  I implemented a Standing Order to this effect.    Marlin, of course, wanted an Income / Expenditure form so they could (obviously) try and pressure me to pay more.  I wrote to Marlin saying their actions could amount to harassment but they continued to maintain there was no agreement and passed the account over to their so-called "solicitors", Mortimer Clarke.   in April 2014 enter Mortimer Clarke who were still, like Marlin, just agents.  As 'solicitors' they started threatening legal action, enclosed an Income / Expenditure form and demanded that I fill it up - effectively disclosing all.  A month later they wrote saying their 'client' had told them to start legal proceedings but actually nothing happened, maybe because it was already beyond 6 years.  They threatened CCJs and credit being "impacted" etc.    I discover that Marlin had actually increased the debt by £500 by slapping on punitive interest. After finally getting them to realise that there was a plan, whether they liked it or not, they removed the interest. I then made a reasonable offer, I felt, to increase the monthly payment to £20.  They came back again demanding their sacred Income / Expenditure form.    thanks to CAG I informed them about 'reasonable' offers of payment and Court Protocol rules and just went ahead and implemented the £20 a month. Back they came saying the offer had been accepted on a "concessionary" basis - whatever that's supposed to mean. In March 2016 they seemed more reasonable and continued the £20.   In October 2018 they try their tactics again and I respond with a strongly worded letter about harassment and follow through on my telephone promise to increase the monthly payment to £25.  Surprise, surprise, this is accepted!  All is then peaceful and calm until February this year when they start again.    As things are somewhat better for me the monthly payment is increased to £60 but now in September they're back again.  Now I know you will say I'm foolish but this time I completed their damn Income / Expenditure form but again, foolishly, I gave them figures based on our total family income.  I am retired as a full-time carer to our disabled son.  My wife is in paid employment but wants to build up savings to start a business idea that she has every chance of succeeding in. I gave them global figures for total Income and Expenditure as how much pocket money I give my son is of no relevance!   They are now saying on the basis of the figures I gave them that I have £494 disposable income and that their 'client' (i.e.MEIV) wants the monthly payment to rise to £345.80.  I am furious.  They have given me 14 days to accept ......or else!!      I am thinking I should do a new IE form based solely on my income and the expenses I pay each month but I thought I would come to you guys first.  If this were to go through it would leave us, as a family, with not much over a £100 to cope with emergencies.   Many thanks in anticipation.    
    • Has a check been made with the local Council Authority regarding the land ?   Usually Councils will have charts showing the land/boundaries in their area.   I know local to where I live there is land with disputed ownership, as documents are missing. There is then a claim process through land registry which you are going through. Because the land was not claimed or part of the property purchase 5 years ago, I believe that land registry are correct, that the landlord would have a 12 year period in which to register a claim for the land. Land registry won't as far as I know actually contact the landlord to make them aware. It would be up to landlord to find out.   There may be a process for there to be an agreement made between Mum and landlord now. Depends on how reasonable the landlord is. But there may be a cost involved in this process drawing up legal agreement for landlord to waive any rights to claim ownership of the land.  Seek formal legal advice from someone qualified to see if this is possible and if so how much legal fees would be.
    • Hi not sure if I'm posting in the right place here so apologies if I'm not. I don't know if anyone can help but basically my mum has been living in her house since 1997 and there is a piece of land that she has used and looked after since moving in there.she was a tenant in the house until she bought it around 5 years ago. She has recently tried to claim the land through the land registry (possessor title I think) however she had something back from them saying her landlord from when she was renting would be allowed to claim the title for the land or she would have to start her 12 years wait again from.when she purchased the property. Is there anyone that can give some.advice on this as I don't see why her previous landlord could.claim the land when they weren't the ones looking after it. Any advice is appreciated. Thankyou
    • Northampton has lost a host of major retailers, but independent traders say it has a bright future.View the full article
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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.



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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


PO Box 1727


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


EH12 9LE


Hope that helps!


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


Very useful A-Z here:



New strategy for Scots claims here:



Scottish procedure:


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...



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



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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!!



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