babyk vrs RBS

[babyk]

hi everyone i have just started my claim against RBS. total 3,---- with interest 4,---- i sent my letter of requesting payment on the 16 february 2007 and to date had no reply. i telephoned them today and they informed me that due to the large volume of complaints that it would take 5-6 to look at my claim and anybodys. i sent them a second letter stating that at they have ignored the previous letter, i would commence court proceedings in 7 days. IT is clear that they are not going to reply what shall i do.

help please ,baby k.

[Janet-M]

total 3,---- with interest 4,----

what does the 3 and 4 mean ??

 

where did you get your letters from ? how long did you give them in the first letter ?

 

when you have answered above I will explain what you can do next as you haven't given them enough time in your second letter .

[happyolddog]

hi everyone i have just started my claim against RBS. total 3,---- with interest 4,---- i sent my letter of requesting payment on the 16 february 2007 and to date had no reply. i telephoned them today and they informed me that due to the large volume of complaints that it would take 5-6 to look at my claim and anybodys. i sent them a second letter stating that at they have ignored the previous letter, i would commence court proceedings in 7 days. IT is clear that they are not going to reply what shall i do.

help please ,baby k.

Hi babyK

I guess the 3--- and 4--- refers to an amount you are claiming?

Please start a thread in your banks forum via this link;

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=18

 

Read the faq's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Use the template letters here stick to the timescale as the banks are busy

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Read the successes in your banks forum, for a feel of the process.

 

If you need any instant help go to live chat, lots of people there willing to offer advice.

 

Good Luck,

Happyolddog.

 

If my advice helps please tip the scales, Left.

[babyk]

hi

did not make my information clear i am requesting 3,882 charges without intest and 4,999 with intrest at 8% if i was to go to court.

my letter, which i downloaded from martins moneytips,gave them 14 days to reply and i stated in my eairler post when i telephoned them they said they would not look at any claims for 5-6 weeks, due to the large volume of complaints.

 

thanks baby k

[babyk]

hi i am claiming 3,822 charges from the bank, with intrest this amouts to 4,999 if i was to go to court . i sent letter on 16 february which informed them that they had 14 days to reply to my request for charges . they did not reply ,i telephoned them and they said they were not looking at any claims for 5-6 weeks, due to volume of work ,these charges had created. i then sent them 2nd down loaded letter from martins money tips . which gives them 14 days to reply before sarting court proceedings i changed this timescale to 7 days as they had ignored all previous letters. i am unsure what do to do next. should i wait the 5-6 weeks or commence court proceedings within the 7 days.

babyk

[Bigmac versus]

Your money, your timescales, dont let them tell you what the timescales are. Continue with your own and commence legal proceedings once this time has elapsed, they are trying to buy more time by stalling, treat them as they have treated you over the years.

[babyk]

thanks bigmac

 

i will stick to my timescales.

[Bigmac versus]

Good decision and keep your thread updated so if you require help we can see the history of your claim.

[isidore]

Baby, you mention using Martin's letters. Can I ask then, if the "interest" that has swelled your claim from 3822 to 4999 is the addition of 8% interest or is it for overdraft interest or a mix of the both?

[Michael Browne]

File at court, but wait 14 days after your LBA , not 7 days.

[babyk]

thanks

should i send them other letter after 7 days which gives them another 7 days to comply

baby k

[babyk]

the interest is the 8% interest calucalated on the spread sheet by martin

babyk

[Advoc8]

Don't need to, just wait a week longer.

[mochamoo]

Hello,

 

 

Follow this http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Good luck

[juliewilson]

I Have A Court Date For The 21st March, Not Sure What To Take And Say When I Get There. Was Hoping To Get An Out Of Court Settlement But Not Received Any Contact From Them.

Can Anyone Help.

[Advoc8]

Julie -best to start a thread for this in the RBS forum, this is 'hijacking' BabyK's thread. Click here to do so and in your post say what the letter from the court said.

[babyk]

hi its babyk

does any one think that the banks are stalling ,as they are waiting for the the ruling on bank charges due the i end of march or april , which means there unlickley to response to anyone pror to this date.

does any one know how long the court process takes.

thanks

[Advoc8]

I don't think they're stalling any more than they were before, remember the OFT report on credit cards made no difference to those sorts of claims and I suspect the bank report will have just as much (little) impact.

 

Remember stick to your timetable. Once you issue your claim it takes about 28 days to know if the bank will defend or cave in. If they defend it can take between a few weeks and months to get a final hearing, depending on how busy your local court is (if you claim online and they defend it gets transferred to the court nearest you).

[babyk]

thanks advoc

have you sucessfully made a claim.

babyk

[Advoc8]

I have (more than 1), though not with RBS

[Seahorse]

Babyk, are you in intending to file in Scotland or England? If it's Scotland, you need to think carefully how you are going to approach this based on your claim amount.

[isidore]

You should be aware that the advice that Martin gives about claiming 8% from the start is slightly misguided. This 8% is the ineterst you are entitled to claim IF YOU CLAIM GOES TO COURT. If you receive an offer before filing a court claim for the full amount less the interest - ie 3,822 - you must accept it as this is all you are entitled to at this stage.

 

Just to warn you.

[livelylad]

Threads merged, moved to RBS forum and title changed

[babyk]

Babyk, are you in intending to file in Scotland or England? If it's Scotland, you need to think carefully how you are going to approach this based on your claim amount.

 

hi sea horse i intend to file in England. babyk

[Seahorse]

That's OK then. Within the limits for less risk at least.