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Popped into my local branch on the 27th Feb, handed over my letter detailing and claiming just under 4k of charges. + interest.

 

Got a letter back yesterday the 8th March offering full settlement but not the interest (I'm claiming 8%)

 

Will ring up today and ask for the full monty, as this is only right..

 

I'm still in shock that I can get nearly 4k refunded into my account for writing 1 letter.- but obvioulsly shows they know there're in the wrong.

 

cheers for now.

 

PS How do I get the regular signature text on the bottom of my posts? I want to list all of my claims

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Popped into my local branch on the 27th Feb, handed over my letter detailing and claiming just under 4k of charges. + interest.

 

Got a letter back yesterday the 8th March offering full settlement but not the interest (I'm claiming 8%)

 

Will ring up today and ask for the full monty, as this is only right..

 

I'm still in shock that I can get nearly 4k refunded into my account for writing 1 letter.- but obvioulsly shows they know there're in the wrong.

 

cheers for now.

 

PS How do I get the regular signature text on the bottom of my posts? I want to list all of my claims

 

If you have not filed at court then you have to accept the cash as its a full settlement. You are not entitled to the 8% interest unless you have filed a court case.

The signatures have been turned off for regular users for the time being.

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Hi livelylad

 

 

I see what you say, but surely, this interest before court action can go towards all the interest on interest on my overdraft, time spent, upset caused etc etc.??

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Hi livelylad

 

 

I see what you say, but surely, this interest before court action can go towards all the interest on interest on my overdraft, time spent, upset caused etc etc.??

 

All these things you can claim as costs in court (and even then, this is sceptical), but you aren't in court. If they have offered you the full amount, you risk jeopardising your claim as you have no grounds to take this any further.

 

As advised above, accept your offer and party. Congratulations on your win ;)

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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Furthermore, the 8% is a statuatory interest rate that is added to your claim as standard as a result of filing a claim. I know that sites like Martins moneysaving thingy recommend seeking this from the start, but what he doesn't make clear is it is not done with the intention of actually receiving the 8%, it's to try and force the bank into offering you the full amount less the 8% quicker WHICH YOU THEN NEED TO ACCEPT.

 

Tbh, this approached is flawed anyway because it could have the reverse affect of making you look like you don't know what you're doing which could tempt the banks in to allowing you to go to court and then asking the court to throw out your claim.

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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