This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

I still have both! There was no mention of anything closing or being removed. ITs a small amount in the grand sceme of things, so I wasnt concerned. If I claimed again then It may be a different storey!

Well, the bank entered a defence. I recieved a letter one day later offering a partial refund, I declined and told them i would only settle for a full refund. Sure enough, a full refund is now on its way to me and the court case is being dismissed.

Excellent post. This will come in handy with RBoS as well. What responce did you get from your part 18 req.? Were they able to provide any evidence of manual intervention?

Does this mean we should begin to send copies of the terms and conditions to the courts as well as the breakdowns of charges?

OK, I received my return and hearing dates now see sig. Little bit worried by the thread in the scotland forum http://www.consumeractiongroup.co.uk/forum/scotland/13879-i-am-going-court-4.html It seems they ended up in court as they didnt attach the terms and conditions of their conracts, Would this be worth sending to the court do you think?

You're right, you cant. Check the sticky at the top of the scotland forum for the relevant paperwork.

Subscribing to thread.

Ignore the OFT thing, thats only a recent addition to our arsnal, the one you need to be concerned about is that any charge not reflecting actual loss is therefore punative and so agsints common contract law. Now it doesnt cost them £10 to tell you you went over your OD and send you a letter. Yes I am claiming for these amounts, you should too. I'm also route 21.

Claim Filed!!! Oh eck. Now we await my defence and hearing dates... What generally happens with RBS? Do they enter a defence and then fold a day before court? Does my thread need to be moved to the scotland forum?

Excellent. Good stuff! My case is progressing nicely too, going to the court for the first time tomorrow, your thread is helping lots!

Yea man, Im going onto the next stage. Was just pointing out his submission to the fact i was going to proceed, and that hes being quite nice about it! sorry BigCol, Hadnt updated the sig at that point. Going to the court next week, cant wait

Got the reply: Dear Mr I am sorry that we haven't reached agreement. While never happy to see customers feel the need to take legal action against us, I accept that you will progress matters as you see fit. Thank you for the courteous manner in which you have approached the complaint. Tommy McLean Manager, Customer Relations Ground Floor The Forthstone 56 South Gyle Crescent Edinburgh (Depot Code 045) Fair enough

I think ill just go ahead with the claim, he said quite clearly at the bottom that ther are not refunding any correctly applied charges. Final stage begining then