Royal Bank of Scotland **won**

[todd390]

I see thanks for that information.

I take it you have had dealings with their solicitors then!

Hopefully I may be lucky enough to receive an offer from the bank rather than go into court.

I have already decided if my case is thrown out by a Judge (like in Hull and Birmingham) I will appeal and take it from there, hopefully that will not happen.

[Atlantic]

No - I didn't have dealings with Cobbetts...... but I was fully expecting to start the "cat-and-mouse" stuff with them...... Everything i know about them was through following very closely other extremely informative threads - like Mcuth (who is very good and knows his stuff!).....

 

I know that the two major websites: Martin Lewis (Money Saving Expert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more) and CAG have combined and put forward £100,000 in a "fighting fund" which is held at Govan Law Centre. A loss at county court level leading to an appeal would be a lot of work for you and the entire bank charges reclaim business with thousands of customers fates would rest on your ability to win at appeal...... and thats assuming you don't get struck out first. That said and even if it's not you then I think someone will end up appealing and setting a precedent...... and soon too and as I really can't see things going on as they are for much longer....

 

I am sort of glad that the fight'll be over with RBS - all I was really after was getting the cash and going. I really do believe there are more nasty and abusive "fish-to-fry" like Barclaycard for example.....

[todd390]

I have just been re-checking my statements and files I have ready for court in case I missed something. I had a date wrong and missed a charge or two. The amount come to over £5000.00 but I'm not pushing for that as it may cost me more in the long run.

I have notice though how the charges started, what I would call, rather tame at first. In 2001 they only took £20, but in 2004 they took a total of £1920.00 this year up to now they have had £524.00.

I think they are trying to break a record with me by seeing how much they bleed from my account.

I have also decided not to email them I will just let the time takes its course and see what happens. After all if they dont reply I will be asking for a judgement from the courts.

The ball, as they say, is in their court and will soon be back in mine.

[todd390]

Well this morning (Tuesday 12 June) I have had a reply from Cobbetts the RBS solicitors saying that they are defending all of my claim.

I dont know what happens next, am I on a loser?

Hope not after all I'm only claiming my charges.

[isidore]

RBS do tend to say that and then pay up last minute. All about delaying. Read around the RBS forum and you will see that is the case....

[todd390]

I have received the acknowledgement from the court today (Thursday 14th June).

What hapens now?

Do the court write and give me a date?

I have all my statements and the printed attachment ready for court. Also getting info off here with regards to OFT statement with regards to bank charges. Hope when I get into court I am ok. Should be I've been in court before a few years ago with a claim for one of my children for compensation. Solicitor gave me the praise for winning at end of day. Hope it is going to be that easy again lol.

I keep saying it again and again all I want is what is rightfully mine by law and the bank seem to not want to return legally what they have stolen. Its a bit like Robin Hood and the Sheriff of Nottingham. They being the latter, glorified robbers.

[todd390]

Just been reading some of the threads on RBoS. I must admit it is very surprising, Cobbetts seem to be taking RBoS for a ride with their representations for them. They tend to use threatening techniques against the claimant and then when it fails they make an offer.

I bet they dont bank with their client!

All as this does for me is make me more determined to get on and play along with their games (I adore some solicitors) and while their games continue it make makes more money for me in interest for when we get into court.

I am determined to get my day in court now. I am very determined to get what is mine and play along with Cobbetts (or cobblers as they tend to have earned that name).

So if anyone from RBoS or Cobblers visit this site to get an update on what is going on and who is claiming, then I look foward to the battle for my money through the legal system that represents the common person not just the rich.

[Atlantic]

it's far from my place to start looking in on a banks relationship with its solicitors........ but going on what I have seen Cobbetts are fairly "tough" for us consumers to get past - which means they are doing their "job" right.........

 

However as for giving the consumer a tricky time only to pay up everything in the end...... well..... I really don't think they have any choice do they? I mean they have an "unofficial" (of course unofficial!) mandate from their client to try and put off as many customers from the scent, but then with the sheer numbers of claimants (well in to hundreds of thousands now) it is not cost effective to spend a huge amount of time on each case - so they can eaither simply pay customers off immediately, which wouldn't go down too well with the powers that be in RBS head office as that in itself would open the floodgates to even more claims or they can continue to do as they are now.......

 

I am certainly no friend of Cobbets (but then no enemy either...) but they do seem to purely be simply doing their job and I don't think it would be any better if RBS were to hire anyone else - purely because whichever solictor they hire the fees are going to be massive and the complete mess that all this bank charges reclaim stuff has degenerated into will if anything continue to get bigger and more messy - until a precedent test case, which will clear the legal system and allow the regulator to step in or the banks to follow the industry practice guidelines of the OFT on competition over bank charges.

 

I think if I were Tommy McClean or anyone in the Customer Relations Unit at RBS...... then being humble retail bankers doing a job that probably feels a bit like sliding down an endless slope with the rapidly growing number of claimants and seeing the absolutely enormous solicitors fees going out then I would probably start asking searching questions about what Cobbetts are doing............ but I think it's just more a case of in this time of system madness there's not a lot of other cost effective options for them......

 

In the mean time ...... I think all the credit cards make the banks look almost like angels in terms of dirty tricks - or the lack of!....although that is ony my personal thoughts...

[todd390]

Well I cant argue with that. As you say it's either Cobbetts or someone else and nothing is going to change until a case has been through the court system completely.

[dolphin939]

Hi im dealing with the halifax claiming 5625.60 to be precise lol, claim issued 23rd may, acknowledged 1st june, looks like they are paying up 3 weeks after claim as been issued, hang on in there, lorraine x

[todd390]

Hi, thanks for that.

Did you get to the stage where their solicitors said they would defend the claim?

[todd390]

I dont know where to start or hardly what to say.

Today (Saturday 16th June) I received a letter from RBoS thanking me for my letter complaining about the charges applied. They say they explained and went on, (at this stage I thought oh I'm in for a fight), but, as a gesture of goodwil have offered me £4918.00 to be applied to my account directly.

Am I going to accept?

I sure am. It is just short of £200 odd of my target.

As far as I am concerned I have won once the money is my account.

I'll let you know how I get on and a donation to the site will be on its way.

[dolphin939]

NICE ONE X

[Atlantic]

i'm really glad things have worked out for you...........

 

i only went for charges too....... and everyone seemed to be saying that RBS were one of the better ones in paying up faster and quicker, at least on bank charges.

 

RBS's customer relations unit said to me that from the time the receive your acceptance letter (the one with the box that you have to tick and sign) full payment into your account should take up to 10 working days. I wrote 'em an email and it was in the very next day.

 

I've got a feeling they're dead scared to have you claim go anywhere near Cobbetts - as when it does the costs shoot up with exhorbitant solicitors fees.......

[todd390]

Thanks Dolphin. thanks Atlantic.

Once I have had the money credited to my account I will be donating to this site, and every time I have enough money I think I will make a donation for the sake of it. After all without CAG I would not have had the guts and determination to see it through and the stencils helped loads.

The people on here should be very proud of themselves. I am going to help my girlfriend make a claim from Lloyds TSB.

I wont be forsaking this site either i will be logging on and seeing what is happening and if I can i will help others to reclaim their cash.

as it says "RECLAIM THE RIGHT".

Your all great people thanks again.

[todd390]

I still havent had any thing cedited to my account, not even sure they recieved my acceptance form. I sent it recorded but up to now i cant track it. Going to give it until Monday then send a letter.

The bank said it would be up to 14 days to credit my account as there is a lot of claims to deal with.

[dolphin939]

Hi, Keep checking your account it will go in, they didnt file a defence with me it was 3 weeks after they acknowledged that they put the money into my account x

[Atlantic]

keep checking your account for next 10 days or so and then if still theres nothing there.... then go chase 'em up.

 

Definately don't be shy in chasing money up - just be super polite and take lots of care how you do it and you should be fine..... I know *they* are not shy in chasing us up for money....after all

[todd390]

Got my gesture of good will from the bank. Will be making a donation to this site within the next week or two.

Now I have people at work and friends asking how to go about it.

I have told them about this web site and to keep to the times when processing their claims.

Thanks everyone good luck.

[hedgey06]

CONGRATULATIONS!!!!

Please complete the bank survey:

http://www.consumeractiongroup.c o.uk/survey.php

[pkelly]

Hi Folks

 

Its time everyone got together to support other in beating these Bandits

have a look at this and show your support for him. this is just a start

 

YouTube

 

http://www.youtube.com/watch?v=EVUNDhtpMJY