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ayrshirelass v RBS ***WON***


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Hi all

 

I have recently been looking into the chances of claiming back bank charges, and decided it was time to bite the bullet. I think i am even more confused than when i started. If anyone has any good tips on how to start going about this process it would be welcomed.

 

To be honest i don't know if i have a case but i do know the RBS has bleed me dry for years now.

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Hi ayrshirelass

 

Welcome to the forum.

 

Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

Other members with experiance of your bank can offer informed advide.

use the template letters in order. Stick to the timetable in there.

 

LINKS....

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/71112-glance-guide-claiming.html

FAQs....

Templates Library....

If you have charges going back further than six years read in here;

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html

There is also live chat, visit if you need any quick advice.

http://www.consumeractiongroup.co.uk/forum/chat/flashchat.php

Finally good Luck.

Happyolddog.

 

If my advice helps please tip the scales, left.

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Guest louis wu

Hello,

 

Happy has given you all the basics, so please follow his good advice.

 

As to the question of whether you have a claim. Well, you say that they have bled you dry, so I asume that they have charged you heavily for a while.

 

Anything that they have 'charged' you for, ie going over your o/d limit, bounced cheques, cleared items etc etc are recoverable, and at up to £35+ a go, it soon adds up to a fortune.

 

I know this site is confusing, but the more time you spend here, the easier it gets. Its the same with the actual process of getting your charges back, it gets so much easier the more you look at it.

 

Spend some time here, ask some questions (there are no silly ones, and we've all been exactly where you are dont forget), and you'll be so suprised at what will happen. The people here are so friendly, and will help and support you all the way.

 

There has been about £10 million pounds refunded to members of ths site (and there are others like us), and that only counts those that have done the survey, so the actual figure is much more. You can be a part of that. Its going to take some time and effort, but to get some serious money back from your bank has gotto be worth it, hasn't it?

 

Keep us posted and best of luck

 

louis

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Thank you very much

 

One question I did have, I currently have all my bank statements back to 2002 as I try to keep them for 5 years then shread them. Can I use these or am I better to still request a copy from the bank?

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Hey lass,

 

You can claim back at least 6 years (although there is an arguement for more than this now but thats another story) so you would probably be best to claim them all back unless you know there were no charges prior to the ones you have.

 

good Luck :)

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Hi All,

I am claiming £3000 from RBS. have just received my acknowledgement of service sent by a solicitor and they are defending the claim! Starting to feel out of my depth! They really are fighting me on this one!

best of luck Ayrshireless but be prepared for a battle!

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Lady Penelope2

I wouldnt worry too much. Most of them say they will defend it when you file to court. They will settle before it gets anywhere near a court room

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Hi

 

I know how you feel, i am just starting out and feel out my depth already is there any hope for me lol. I am ready to fight as i have had arguement with the bank over my charges for years. I think i am looking at about £2500 which is alot of money

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Girls, I know its sound easier said then done but once you get one claim out of the way, you really will get to grips with it. Everyone finds it all daunting to start with and worries they may be made an example and have to go into court but the reality is that they WILL pay up.

Good Luck both and try not to worry. :D

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Guest louis wu
Girls, I know its sound easier said then done but once you get one claim out of the way, you really will get to grips with it. Everyone finds it all daunting to start with and worries they may be made an example and have to go into court but the reality is that they WILL pay up.

Good Luck both and try not to worry. :D

 

 

 

Thats a very good point. I'm onto my 3rd, 4th and 5th claims at the mo, all have got to court document stage and I'm loving every minute:D

 

I just consider this whole business as a giant savings account that the banks have looked after for me, and now I am getting a lump sum from all of them.

 

You will be fine, and I promise you, the more time you spend here looking and learning the easier it will become. It wont be too long before your advising the new members yourself, and giving help and encouragement to the next generation of Caggers.

 

Louis

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welcome to the forum.

 

Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

use the template letters in order Stick to the timetable in there.

 

For instant live help please go to the chat room

 

Any advice given is purely based on personal experience and if in doubt you should seek further advice from a professional.

 

If you liked what I have written then please let me know by clicking on the scales!

 

FAQS wink.gif

http://www.consumeractiongroup.c o.uk/forum/faq.php

 

Scotland Issues

http://www.consumeractiongroup.c o.uk/forum/scotland/

 

Step by step instructions biggrin.gif better safe than sorry!

http://www.consumeractiongroup.c o....tructions.html

 

Templates cool.gif If it aint broke dont fix it!

http://www.consumeractiongroup.c o....lates-library/

 

Online claim or direct at court?

Getting MCOL Right

 

Finally good Luck.

jamesrap.

 

If my advice helps please tip the scales, left.

  • Haha 1

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

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Thats a very good point. I'm onto my 3rd, 4th and 5th claims at the mo, all have got to court document stage and I'm loving every minute:D

 

I just consider this whole business as a giant savings account that the banks have looked after for me, and now I am getting a lump sum from all of them.

 

You will be fine, and I promise you, the more time you spend here looking and learning the easier it will become. It wont be too long before your advising the new members yourself, and giving help and encouragement to the next generation of Caggers.

 

Louis

 

Excellent comments. Thats how I see it to now....I didnt at the beginning though but we all have to start somewhere.

 

Thanks for the click Louis....

 

What is going on with Jamesrap posting on every thread tonight!?

  • Haha 1

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Guest louis wu

Hes got the template fever, which is okay until it ges posted completely out of context;) .

 

Never mind, he just want to get to a thousand posts and a million green blobs lol

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Lol, You beat me to it Louis.

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Hi there have a look in the FAQ's as this will prove invaluable to you in the long run.

Prelim letter below.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

 

FAQ's below

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

 

SAR below if you require to send for reply to manual intervention part.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

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