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    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
    • Hi,    I'm almost done. One question is should I include a header with " Claimant's Trial Documents" or something similar and include a copy of my WX from the trial since that has the claim form defence and documents that were relied upon at trial so that the judge can see that? or should I assume they will already have those documents on the file and so simply include a short statement of case to show the case I intend to prove at the appeal should permission be granted. Since I've made a shorter concise statement of case setting out what I intend to prove at an appeal hearing I'm thinking maybe removing the header of "Documents/Exhibits for use for Permission to Appeal   " since the permission to appeal focuses on the grounds of law and so I'm thinking of just having   Appellant's documents Statement Of Case Skeleton Argument    Then a seperate category named Trial Documents Claim Form Defence Claimant's Witness statement Exhibibts to Claimant's trial witness statement   I'm wondering you think would be better, only because I don't reference a single exhibit in my appeal statement of case since I am just explaining the undeveloped points of law around why the judge is wrong since the  statement only focuses on permission, not the outcome of the appeal so there is no reference to any exhibits?   Or should I just remove exhibits and not add trial documents or exhibits on the understanding the judge will already have the trial documents and that if permission is granted I then include them in my appeal bundle.   Thanks   N/B My statement of case doesn't have the claim form or defence or any witness staements in. it is simply a short 4 page document setting out the claim history and the points I intend to prove at the final appeal hearing should permission be granted.
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2nd letter to RBOS knocked back - their final response!!!


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Hi everyone,

 

Just had our 2nd letter to RBOS knocked back, this is their response.

We believe that our charges are fair... bla bla bla... The charges to your account must stand, therefore this is the Bank's final response to you on this matter. You may wish to seek the opinion of the FOS and the enclosed leaflet which is produced by the FOS tells you more about the scheme and how to contact them...They then go on to say that they have passed on our request for account information and this will be processed in due course.

 

They sound very confident, what do you think?

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They are talking rubbish.

 

Don't get phased - it's a standard response. Wait until their 14 days are up then issue the claim in the court. Don't even bother with the FSA and Ombudsman until after you have got your money back.

 

Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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We will have to wait for the account info as I have no idea how much in charges we have incurred... think it runs into thousands!!!

 

So basically we should cut to the chase and go straight to the small claims? Do we inform them of our intention to sue?

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If you used the LBA template from the library then you have already indicated that you will sue if the money is not repaid.

 

Regarding the amount they owe - it is up to you whether to wait for the figures or not. My suggestion would be to wait, as it demonstrates reasonable and dilligent behaviour on your part.

 

Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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- Will do - I'll keep you posted as events unfold......Thanks to everyone for help and guidance etc.. I have passed on the site details to several friends all intending to take their banks on - keep up the good work!

regards

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Just recieved the same standard letter back from RBoS following my LBA. Looks as though everybody is getting the same treatment but I'm not giving up.

I only mouth my opinion, please look elsewhere for sensible advice! :)

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Yeah, Good old Tommy sent my letter! He must be busy just now :)

Lloyds Current A/C DPA sent 7th May 2009 Closed and charges wiped Summer 2010.

 

Barclays A/C DPA sent 4th June 2009: no reply, no correspondence as of 2011.

 

Littlewoods Data Protection Act Section 10 sent 09/06/2006 - Fraudulent A/C closed and CRA data removed November 2006.

 

HSBC Default & Debt wiped March 2009 (6 yr Statute barred reached)

 

RBS - Claim 1 - Settled in FULL £766.00 20/06/2006.

RBS - Claim 2 - Settled in FULL £777.95 08/09/2006

 

 

BOS A/C No. 1 & 2

Amount - £586.39 claim plus 8% interest

SETTLED IN FULL 08/09/2006 - CHEQUE FOR £625.25

 

Halifax Visa Data Protection Act Disclosure Received

 

First Direct Data Protection Act Disclosure received

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  • 1 year later...

I had the same letter back 3 times. They have offered £152 for a £480 claim.

Have sent a letter refusing and off to court.

 

Good luck everybody.

RBS

13/10 - Prelim sent, 19/10 - Sod Off letter recvd, 27/10 - partial offer received, 27/10 - rejection letter sent, 3/11 - SETTLED IN FULL

Cheltenham & Gloucester (ERC's)

21/11 - Prelim sent, 26/11 - sod off letter recved, 2/12 - LBA sent, 10/12 SETTLED IN FULL!!

 

 

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  • 11 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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