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WooHoo! I've Won - At Last!


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hey all..

i have a BIG problem.. i think?

 

after speaking to someone in the chatroom regarding where to send my initial 'can i have my money back' letter, i was advised to send it to the 36 St Andrews Square, Edinburgh address.. which i did.

 

this was on the 22nd November 2006, and i've heard nothing back from anyone at all!?

 

i've just spoken to customer relations for RBoS, and they say there is NO record of any letter at all.. even tho i have proof of postage and a receipt for proof of delivery too etc..

 

what do i do now..?

 

i've just sent my 2nd letter threatening them with court action in 14 days.. to the same address!?

 

have i messed up my claim completely.. or just wasted my time so far..?

 

thanks as always for any advice..

take care all.. rors

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hey all again..

i know i've only just put the last thing up (literally minutes ago), but i happend upon Tommy McLean's number in another thread, and decided to give him a ring direct.. he really is a very pleasant guy, and told me the letter had been received on the 27th November, and that there was a back-log of money back requests.. he also said that because i was asking for 'one of the larger amounts' back (£3383.34), that it would take longer for a response to get out to me?

i explained to him that i had also sent my 2nd letter today, informing them of my plans for court action within 14 days, and he told me 'if that's what you need to do, to go ahead and do it!'

 

does this sound strange to anyone here..?

i mean.. i will go to court if i have to, but has anyone else had this kind of response when they've spoken to anyone from RBoS?

 

anyway..

please give me some advice on all this, as i'm developing a twitch ;)

 

take care all, and thanks again :)

rors

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He`s just trying to freak you out, stick to your timetable, if you havent heard owt after the 14 day day deadline then i would proceed with the N1 or mcol (or whatever you fancy), they`ll pay up unless they want to disclose in court, which we all know they wont

  • Confused 1

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Upon receipt of your LBA they will start to move quicker trust me!! All the banks will be testing the water with any new complaints - trying to work out how determined you are. Like Solowka said, keep to your schedule and proceed as instructed in the guides. They will soon be offering you your £3k back.

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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  • 1 month later...

ok chums..

here's my latest update (better late than never i guess)..

 

since sending in that second letter, i have recieved six letters back from RBoS (sandy watt) asking for a little more time.. hmmmmm?

 

well, i have given them an extra 14 days, and they've done absolutely nothing! i've just phoned tommy mcClean, but he's not in until later, and i was assured he would ring me back today (we'll see)..

 

if i don't hear from him today, i'm starting court proceedings!

 

i'll keep you all updated on my progress mates..

rors

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The problem is that they might be wise to people stalling their LBAs to push through settlement without going to court. They could well be testing to see if you have the gall to take it to court.

 

On the other hand they could genuinely be inundated. Wouldn't give them any more chances, if you don't hear from them today take the plunge.

 

At least you get to add your 8% interest now so your claim will increase.

  • Confused 1

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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Don't forget to add costs to your claim - sending all the letters (£2 a letter seems fair if you've sent them recorded), your 10 pound SAR, plus court costs.

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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Just don't get carried away - they need to be realistic.

 

Not a problem, you can tip my scales if you like ;)

  • Haha 1

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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ok people..

i've literally just come off the phone from tommy mcClean (nice man)..

 

i told him that i'd given them enough time, and that i was about to start court proceedings against RBoS..

he has assured me that he will ring me in the morning with confirmation of an offer (and a good one he says) from RBoS..?

 

so i'm gunna hold on for 24hrs.. and see what transpires!

 

i'll keep yuz all posted ;)

rors

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Any news???

 

And having dealt and settled for the full amount of my first claim, I can say that he is genuinely a nice guy... but i suppose you have to be if you are the complaints manager.

Having worked with a few people who have brothers, sisters, mothers who work in banks... they genuinely WANT to settle out of court. It costs loooooooooooooooooaads in court fees and can quite frankly do a lot of public damage to the banks. And wind up with people switching which is what they are the most afraid of.

I settled my first claim within a month back in July. What I did differently was send in a 3rd 'Reminder' letter directly to Tommy Mcleans email inbox. Had a full settlement offer on my doorstep within a few days.

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hello again..

i'm afraid mr mcClean didn't get back to me today as he promised..

he did say he was in london today, and tat he'd get intouch from down there.

i could give him the benefit of the doubt, and accept he has probably had a tough day, and it slipped his mind?

i guess i'll find out in the morning when i phone him :D

 

i'll keep yuz posted ;)

 

cheers mates..

rors

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hello all..

just a quick one.. but very important!

 

i have made my claim (22.11.06), and since sent my second letter (12.12.06), and included with both a total breakdown of all my charges for the past 6 years..

 

my problem/querey is:

the bank (on the odd occasion) have refunded maybe half my charges back to me.. so say they charged me £150 one day, they may have (but very very rarely) refunded back £75 as a goodwill gesture.. all of these refunds being to the tune of about £726 in total (including interest) £574 (without interest)!

 

basically, i have left these charges in my claim because i feel the refunds never helped my situation.. have i messed up my claim now?

 

i'm beginning to wonder if i should look again at my charges/refunds, and adjust my final claim again.. it currently stands at £3383 all in.. and i'm worried i should really only be claiming for £2600 or so..?

 

what say you..?

any help will be gratefully received.. rors

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Have you actually issued a claim through the Courts against your bank yet?

 

If you have not, when you actually issue your claim you should make certain that the figure you sue them for is accurate. However, you do not need to re-send your prelim letter or LBA - but do make sure the amount on your claim form is correct.

 

If you were suing for more than you detailed in your LBA etc then I would suggest that you send them again, but as you are reducing the amount of your claim I do not consider this to be be necessary.

  • Haha 1

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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thanks for your reply hagenuk..

 

i haven't yet issued my claim via the courts.. but i have just been back through all my statements, and amended my file - they've paid me back a total of £574.06 (excluding interest) over the past 6 years..

 

anyway, now i know that, i can issue a claim against them in court ;)

 

thanks very much man :)

rors

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  • 3 weeks later...

hello all.. again :)

just a quick update on the situation here..

 

ok.. RBoS have at last come up with an offer!!

unfortunately, it's pretty much exactly half of what i'm claiming from them..

i'm claiming £2656.88.. they offered £1374.37!

and the reason they only offered this much is because (they say) they're not paying out ANY interest at all TO ANYONE?

 

anyone else heard of this?

anyone got any advice on what i could do about this?

 

i've told 'em i'll sort it out with them in court, and they said they'd look into it and get back to me..

 

any thoughts?

 

thanks as always mates :)

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what stage are you at now? what deadlines have passed?

 

IMO sounds like a bluff....

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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thanks for yer reply t4ff..

many deadlines have passed and i too am beginning to think it's all a bluff!

i'm starting court proceedings..

 

and to think.. i gave tommy macClean props for being a decent guy too?

i'm absolutely sick to death with em!

 

cheers as always :)

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i'm about to send this email to your friend and mine Tommy McLean..

is this wise or stupid?

 

..in other words.. could it go against my claim?

 

 

Hello there Tommy,

i was wondering if you could give me a ring regarding the letter of offer i was supposed to receive this week (the second you have sent i believe).

I was told by both yourself and one of your colleagues (whose name escapes me right now) that the offer was for £1374.37 (or there about), and that a letter had been sent weeks ago.. and another was on its way!

Still neither have turned up, and despite all our conversations regarding my claim you have not (at any point) phoned me when you have promised you would, or returned any call i have made to you!

 

I feel Tommy that you are now stringing me along in hope that I will become bored with the whole thing and forget about my claim altogether - I would like to assure you that this is far from correct, and every piece of literature that i have sent to you (and RBoS), received from RBoS (because I certainly haven't received anything from you), plus every telephone conversation will be brought up in court - as i have recorded virtually all of them!

 

I have asked RBoS to pay back £2656.88 in total, close my account and call our business dealings quits. This is a small price to pay in my opinion, and to be told by you that you will not be paying back any interest to me is nothing more than a sham! RBoS have charged me over and above (in charges and interest) for the past six years (and they still continue now), how would it be taken if I refused to pay the interest?

 

I am sick to the back teeth of being led a merry dance up the garden path by RBoS, and thought you had more integrity than you seem to be showing!

Please prove me wrong Tommy, as I have spoken highly of you in the recent past to all at the Consumer Action Group.

 

So please do the right thing Tommy and show me the courtesy that I have shown you, and give me a call so we can come to some kind of conclusion before the court proceedings go too far.

 

Thanks in advance... yada yada yada!

 

what say all of you.. too strong or just right?

thanks again all..

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well i guess you all thought it would've been stupid of me to send that email.. good job i didn't then eh?

 

..i wrote it in a fit of rage!

 

anyway..

i really need to get my court proceedings going but don't seem to be able to find any help on this forum (although i'm sure there must be tons of advice somewhere)?

i want to sort it all online.. so any advice people?

 

since i started my claim, i have paid £120+ in interest alone, and am near my OD limit again - i really don't want to pay a penny into that account ever again - what can i do about this?

 

thanks again.. in advance

rors

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In the FAQs, very first post is a guide to claiming bank charges. Step 4 or 5 onwards is about court.....

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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  • 3 months later...

AT LAST.. SUCCESS!!

 

RBoS have at last agreed to pay me back all my charges dating back to 1999!

a grand total of £2767.01 - wooHoo!

 

it's taken me the best part of 8 months to get them to sort it.. but they have - and i didn't even have to go to court.. it was a close shave though :)

 

so.. for anyone reading this who's currently fighting for what they're owed, stick in there and it'll all come up nice in the end - i hope :)

 

cheers to everyone here that's helped me out over the past 8 months.. without you i wouldn't have even sorted out my first letter.. never mind the great support you guys have given me ;)

 

so to you all i raise a glass of vimto and say.. CHEERS!

 

take care all.. rors

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