I'm going to court tomorrow (tue) 10.30 - has anyone suing the RBS gone to court and won? Has anyone gone to court won due to the RBS not turning up or has the RBS settled on the last day? They offered me £185 but refused interest £20.11 and wanted me to keep quiet so I am taking them all the way as matter of principle - I shouldn't have to keep quiet and I want the interest. Anyone help? And I'm looking for a buddy - have emailed the buddy system but no-one replied yet. If anyone fancies chumming me to court I'd be very grateful. J

Hi everyone Well the RBS offered me charges back plus court costs but not the interest and they asked me not to speak to a third party. I declined on principle and to ensure everyone is aware if I'm successful that they can be. They have now lodged with the court that they are defending all the claim. So it goes to court on Tuesday. I need to file a minute today before 4pm. So basically they're going to court for £20.11 min as that's the interest! They agreed to pay back £180.00 but not the interest. Are they mad ? Well my defence will be that they have offered to pay back the charges but not the interest so I'm hoping the court will agree with me that they're being silly. If anyone can help me though I'd be grateful for support. It may not get to court as they may pay up before Tuesday (is that the usual scenario). I've had a look through the notices but can't find anyone that says the RBS have paid up at the last minute. If someone who is good at legal stuff and who wants to support me is in the Edinburgh area on Tuesday I'd appreciate someone to come along with me. I need advice on what to say should it actually get to court. Very much appreciated if someone can help. J

GREAT NEWS - my final date is tomorrow before I minute the court then go to court on Tuesday. They offered me most back but wouldn't pay the interest and wanted me to keep quiet so I refused. Have demanded all back including interest. Not long to go. J

WELL DONE - it gives hope for the rest of us. Fantastic news. J

Hi Capital One have written to me saying they will refund all charges and costs but they want me to sign an agreement saying I will agree to their charges or close my account. I am not going to sign the agreement. Instead I shall write them a letter saying I agree to the refund and to charges that are fair and accurate costs of claiming back any money I owe. I don't intend using the account but won't close it. If they close it that's fine. J;)

I have received a letter from Halifax - they are paying me back all charges plus costs. Deadline for court is 2nd October - now that's last minute isn't it ! Keep up the good work. J;)

Thanks - you put a smile on my face ! I promise also to donate money to this site once all claims settled. We need to fight for each other and keep everyone motivated. Well done to the creator of this site.

Hi I have received an offer for my charges plus the court fees but not the interest. They have also asked me to keep quiet. After deliberation for a week or so I have decided to decline as a matter of principal. The interest is only £20 but I firmly believe that I need to stand ground. The charges are unenforceable by law therefore why should I keep quiet. The banks are in the wrong. They now have until 3rd Oct to reply with FULL refund or it goes to court on the 10th October. I am suspecting that others claiming from RBS have settled and have been told to say nothing hence why there may be no success cases on this website. Keep positive and know it is because they are asking us to keep quiet. Other cases MBNA - offered part but my statement says they have paid the lot back ! They had asked me to sign to say I would agree with future charges - I didn't I ignored them and then magically they debited further charges back into my account ! Capital One - have paid part back - defending the rest - taking to court Lloyds TSB - have acknowledged claim - waiting to go to court Egg - have acknowledged claim - waiting to go to court Halifax - with court - have until 3 October to respond Monument - have acknowledged claim - waiting to go to court

Keep up the good work - just to let you know in my statement yesterday it looks like MBNA have credited me with ALL charges. They said they would only credit part so I was about to take them to court. Luckily I checked my statement first. So keep fighting. Joan TSB - court action taken waiting to hear - they declined anything back Monument - court action taken waiting to hear - declined anything back Halifax - court action taken waiting to hear - they offered part back Capital One - paid part back - taking them to court next RBS - court action taken waiting to hear - declined anything back Egg - declined anything back - taking them to court next

Hi Yes that's right - I made a mistake - my claim to TSB was for £1K so I had to go through the English system. Got statement from MBNA last night and they have paid back ALL charges - they initially said they would only pay back part. VICTORY for one. Joan

Hi From the court in Chambers Street in Edinburgh. You can only apply if there is a branch in the area. So it would depend on who owns Capital One ! Is Capital One a subsiduary company of another credit card? Does it have a branch in Scotland? The court will only deal with it if it has a branch in it's jurisdiction (area). Let me know where you found out differently ! Joan

Just to let anyone know who is having problems - Jurisdiction If you are claiming through Scottish courts it can only be up to £1,000 in the small claims court and within the jurisdiction - ie their must be an office in Scotland and you must go to court in that locality of the branch. If you have to claim through the English courts and are Scottish or from another country you must have an address in England or Wales were you can have the payments sent to ie if you have a friend in England ask if you can use their address. I am claiming over £1,000 from Lloyds TSB therefore I am claiming through the English courts and my friend in Newcastle has given her address. I am claiming sums from credit cards not located in Scotland ie Egg, MBNA, Capital One, Monument therefore going through English courts as above. I am claiming from Halifax and RBS (they both have addresses in Edinburgh) and I can go through Edinburgh Court. I am tired of all of this - it really is deflating. It will be worth it in the end. Joan

Hi everyone I have been to the sheriff court to put in claims but made some errors so here is my advice and I'd appreciate some help back. if you're claiming through the Scottish court please make sure in section 7 you put "total amount of claim plus interest)" at the end of that section. In section 4 where it says 8% annually remember to put in the from date ie "1 August 1999". You don't need to put in the end date as it will mean all charges to the current date. To claim in the Scottish courts the bank must have a branch in the area of the court! However, it may be that you can claim jurisdiction from where you live but I'm not sure about that so if anyone knows - advice would be helpful. I've so far put in a court claim to court for Halifax (offered part back) - this will be sent to them on Thursday 17th August. RBS (refused to give anything back) - again will be sent Thursday TSB - my claim is over £750.00 and I can't claim this in the small claims court in Scotland - can anyone help as I've noticed some people are claiming large amounts. I've ordered the English courts book but if anyone can direct me to the forms to complete for over £750.00 I'd be grateful. Monument (refused to give anything back) - will need to take this to the English courts - direction of forms would be grateful. Capital One (gave part back) again as above can anyone help with forms MBNA - have offered money back but have put in a clause they will close my account if I don't agree to their terms and conditions - has anyone else had this response? Joan

Hi Halifax offered me half the money back - their letter arrived Saturday. Today is deadline before I take them to court. Taking them to court tomorrow as well as all other companies. TSB refusing to give anything - court tomorrow Capital One - gave half back - taking to court tomorrow Egg - refusing to give anything back - court tomorrow Monument - offered half - I refused - not heard back - court tomorrow MBNA - deadline today - court tomorrow Halifax (as above) offered half - court tomorrow RBS refused - court tomorrow.

Hi hostie and zootscoot Thanks for that. Hostie - they are just trying to get a deal and moving towards the £12 mark I think. Great to hear though that it doesn't affect existing claims. I feel better now and motivated to go to court. Cheers Joan

Hi The banks are now changing their charges to a maximum of £12 which is what the OFT seemingly say is fair. Does that mean that we can't claim back all of the money. I'm concerned if the OFT say a maximum of £12 charge is sufficient that we won't get all the money back claimed. A thought I had though was that the OFT say the MAXIMUM is £12 being that only if it costs that amount to get money back! So if it only costs 50p because of an automatic machine then that's all they should charge. Two of my creditors have refunded/offered to refund part back to the £12 - I'm having to take them to court for the rest. Advice would be gratefully received. Joan

Hi Send them another letter stating "In receipt of your reply to my letter dated ? unfortunately your timescale is not acceptable. Please refund as per my letter dated ? by the 14 day deadline otherwise I will take further action". If that's your first letter they have responded to then wait the 14 day deadline then send out the second letter again "I regret you have chosen not to refund me etc etc" then wait the 14 days then take them to court. I received a letter from Monument saying they would reply by a certain time - I wrote and said it was unacceptable (sending the 2nd letter). I then got a letter offering part refund with an envelope where they ask me to agree. I sent a letter back saying "this offer is unacceptable, please refer to my letter (2nd) dated ? and refund full amount within the 14 day deadline otherwise I will start court proceedings". I am waiting. They are using delay tactics. Don't put up with it. Keep me posted. Joan

Hi go to the following web page. It is for information only. Follow the guidelines as you wish but it's my work's place and their view on harassment. If you search harassment on the internet you will find other sites which "don't suffer in silence". It will give you guidelines on what constitutes harassment and how to deal with it. Obviously you won't get any advice from my work, but you might find that the citizens advice place will be able to help deal with such cases. It may be just reading documents about harassment you are able to do something yourself about it and with proof such as recordings your case will be more solid. Harassment and Bullying - Health Matters, University of Edinburgh

Hi That's shocking. I am actually a "contact officer for harassment" at my work so if anyone wants any advice let me know. I am prepared to act on your behalf if you have proof (ie a recording as such). I can get you a copy of a harassment document which states out clearly what defines harassment. Joan

Hi I've had harassing calls from MBNA and Egg. I specifically don't answer my calls at home and when the caller doesn't leave a message I do 1471 and if it's obviously a credit card company I ignore it. Sometimes it's number whitheld. The most awkward ones were MBNA - they were phoning me constantly at work so I emailed their complaints place on the website telling them to stop harassing me and everything is to be dealt in writing. You can purchase a caller display and ignore any calls you don't recognise. Claims Capital One - paid half back - written again they have until 31/7 to pay full amount RBS - finally replied after second letter saying they are dealing wtih - they have until 31/7 to pay full amount TSB and Egg refusing to pay anything - taking to court today/Monday. Halifax - haven't responded - they have until 31/7 Monument - have offered half back - have written saying no and they have until 31/7 to pay full amount. MBNA - are dealing with it - they have until 31/7 to pay full amount. Keep up the good work - it's our money don't let them beat us.

Hi Capital One have paid me back 1/2 my claim. Have written to them demanding whole amount back or taking to court. They have until 31st July to pay back. Other banks Providian/Monument have offered half back - have written saying unacceptable and again demanded whole amount back or taking to court. They have until 31st July. Lloyds TSB and Egg - have refused point blank to refund any money. Will be taking legal action either today or Monday. RBS - finally got a letter after 2nd letter sent to them saying they're dealing with it and will be back within 10 days - then if they don't will be taking action 31 July. Halifax - haven't responded - second letter out and they have until 31 July until I take them to court. Keep fighting ! Joan:cool:

Hi I have just received back 2nd letter from LTSB saying "no" to my claim. I am going to take them to court on Friday. When did they settle with you? Was it during your court claim or before that one! They do have a habit of making you feel as if you are in the wrong. They are dragging their feet. They owe me over £900. Cheers Joan

Hi there I am still getting charges because my finances are in a mess merely because of these ridiculous charges. They charge me for being late even when I pay cash at the bank on the day then if that charge puts me over my limit they charge me again for being over when it's their fault. The idea is to claim it all back and once you have successfully got it all back make sure you are not late again or don't go over your limit then you shouldn't incur any more charges. But if you do then claim it back again. I notice they are all now seemingly changing to £12 charges which is the most that they are actually allowed to charge. But if you don't agree with the £12 charge then don't go over and don't be late in paying otherwise I think when the law changes to the maximum of £12 and if you agree by it when you have an account you won't be able to claim it back. I've just been on the phone to the Halifax about another charge of £25 for being late when I paid cash. They are refusing to give it back because I've had previous charges back and I should know that cash takes more than 1 day to get through (this is a load of rubbish) - cash is cash and it's done automatically in the bank. And Even though the bank and the credit card company are different they are owned by the same bank - they are just a subsidiary of that bank so cash payments should clear immediately. That's my belief anyway. So you're answer - when you get your money back claim for any more charges then stay on top of your finances. That's what I intend doing. Good luck Joan

Hi I'm from Scotland ! I have just received a letter back from Capital One - they have agreed to refund me part of my claim to the "now" £12 charge. Am I still entitled to claim the rest back? I still don't agree with the £12 charge. My credit limit was reduced on this account and I could easily pay it all back in a short time and I want to close the account anyway so I will argue it back by sending them the second letter (before action). Has anyone else only received part back? Joan

Hi This is great news ! I'm concerned as I'm having problems with MBNA Europe Bank. I can't find a link to that bank alone. I have a credit card with them which is at the limit and I'm claiming back charges. They have issued me with a letter saying I'm going against a contract. I am fighting back but am worried they close my account. Although I've told them I will close it myself when I pay it off but in the meantime I want my money back. I thought it may be against the law as it was in retaliation.