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quick answers please??


dizzydolly
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Hi, i've just logged on to this site, as I am just going to start a claim. I was hoping for some clear, quick answers for a couple of questions I have please?! I am currently reading through all the FAQs etc, but some of it sounds very complicated! Can anyone help please?!

 

What is a default notice? How do you know if you have been 'defaulted for a debt which has been caused by unlawful charges'? I am intending on going back through my statements to calculate my charges, rather than write to the bank asking for the total. Is this ok and will it show everything?

 

Can you just claim back for 6 years worth only? Is there a maximum £ you can claim? (I am with RBS by the way).

 

Thank you so much in advance, I think I will find this forum very helpful and useful!

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What is a default notice? How do you know if you have been 'defaulted for a debt which has been caused by unlawful charges'?

You should have been notified at the time. You can check your credit record for £2 here:

Equifax - Your credit history and your rights explained

Equifax - Your credit history and your rights explained

Experian - Credit reference agency

Experian - Credit reference agency

 

I am intending on going back through my statements to calculate my charges, rather than write to the bank asking for the total. Is this ok and will it show everything?

Yes that's fine

 

Can you just claim back for 6 years worth only?

 

Yes

 

Is there a maximum £ you can claim?

£5000 in Small Claims court, £15000 in Fast Track, £99999 in Multi Track
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I am intending on going back through my statements to calculate my charges, rather than write to the bank asking for the total.

Just to add to Michael's response, yes you can but ensure you have EVERY statement. If you have some missing, it might still be worth sending an SAR to RBS for a complete list of statements.

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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As far as I am aware RBS are very quick to add a default notice to your credit rating and unless removed will stay for six years.I have this problem and settled out of court for payment but they did not remove the default and when I wrote to them they wrote back to say they would not remove it. So I have a new case against them and this time on the papers sent to the court I especially mentioned about removing all my defaults. This time I will not settle out of court unless I get all defaults removed. Be warned:mad:

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Dizzy, there is an explanation of a default notice here. I would think though that if you HAD one, you'd know about it?

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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Thank you all, i dont think i have a default notice to worry about as have never been aware of one, plus all my charges 'just' come from going over agreed overdraft limit, interest etc, not non-payment of specific bills etc.

 

One more thing though - i have two accounts: one is my current account, another is one where i wish to pay off the overdraft and then close it, i think as soon as i pay it off the RBS will close it anyway, so do i start preceedings on this account before i pay off and close it? Or can you still claim on closed accounts?

 

And lastly, can you claim on the two accounts together, ie, same letter/spreadsheets or seperate letters/spreadsheets etc?

 

Thankyou again in advance!

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You can claim on closed accounts. IMO it would be best to close it first because the sooner it is closed the sooner you aren't in debt to them.

 

You can claim two accounts together but it is best to have two spreadsheets otherwise it will get real confusing.

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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