offer from rbs

[davegt67]

hi there ,just been offered 4665.00 for charges on buisness accont but not interest of 2665.00.don't no if i should accept as read courts are getting funny abouts splitting claims? also read can claim back more than 6 years .i could go back to 1987 as still have accounts .any thought's would be welcome.if it were possible would it be affected by me accepting this offer?

[isidore]

Dave,

 

What is the interest of 2665 made up of? Is the 4665 the full amount of charges or only a percentage (if so how much?). You can claim back more than 6 years but it is a whole different argument and one you would need to do reading on. How far through the process are you?

 

Also, where do you live? This is important too.

[davegt67]

hi T4FF , the 2665.00 is for overdraft interest for the 6 years as worked out from spreadsheets and the 4665.00 offer is for 100% of charges claimed. unfortunately ( only time i will ever say this) live in Scotland and have read courts are getting awkward when trying to split claims up.the 2665.00 is a lot of money but worried about splitting claims and then getting it thrown out and ending with a fraction of the offer

[superward]

Hi,

 

I am in scotland too (woop woop:D! )

 

Yeah, you are right that Scottish courts are now beginning to throw out split claims as they see at as abuse of the process! Now, remember that the Small Claims limit in scotland is only £750 and the Summary Cause limit is only £1500 also. You are over both of these so I believe the next stage is Ordinary Cause - which to be honest I have not read up on but from what I have seen can be a very risky and complicated process.

 

The consensus, it seems, is that claims over £750 which are to be contested are being largely done through the FOS now.

 

Have a read through this forum, if you haven't already - http://www.consumeractiongroup.co.uk/forum/scotland/

 

Hopefully there will be somebody more experienced in there that can help!

 

Good luck!

[isidore]

Try and find seahorse in the RBS forum, his is for a fair bit of money if I remember rightly.