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

Shall I reply to hsi email with something along the lines of "the charges I am disputing are ones you see as 'fair and transparent', we obviously do not agree on this and so you leave me no further option other than to pursue this money through the courts." They still have one week left.. I could just file my claim?

OK Guys, need a bit of help now. What do i do? I recieved this email this morning. Is he just stalling me? whats he talking about?? Dear Mr Thank you for your e-mail. I know that the statements are now on their way to you. When you receive them, please highlight those charges you wish to challenge. My first letter clarified that we believe that the charges are valid and are only applied when associated with items presented on your account when no funds are available to meet them. If you highlight specific charges on the statements that fall outwith this criteria, I will gladly look at these. For the moment, however, our view remains that the OFT has not investigated current account charges, its statement relating only to credit card charges. I know that the British Bankers Association is seeking clarification from the OFT on whether they will be investigating and pending that outcome, we will not be refunding correctly applied charges. Tommy McLean Manager, Customer Relations Ground Floor The Forthstone 56 South Gyle Crescent Edinburgh (Depot Code 045) Tel : 0131 523 5116 Fax : 0131 523 8778

OK I have an email address now, I rang the number on his letter and got a collegue who gave me Tommy Mclean's address. It is tommy.mclean@rbs.co.uk . Here is a draft of an email I will send, can anyone add any strong worded improvements? Dear Mr Mclean, I received your letter dated 14th of June and note that you say you require specific details of the charges I am disputing. I included these details in the form of a printed database with my last letter. The letter was passed to the branch manager, who should have given you all of the sheets. I have attached another copy of the data. Can i also remind you that I require repayment in full of this money. If you do not comply fully before the 19th of June then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice. Yours faithfully, OK I ended up sending this: Dear Mr Mclean, I received your letter dated 14th of June and note that you say you require specific details of the charges I am disputing. I included these details in the form of two printed databases with my last letter. The letter was passed to the branch manager, who should have given you all of the sheets. His failure to do so is not my concern, and my deadline stands. I have attached another copy of the data so you can proceed with your investigation. Can i also remind you that I require repayment in full of this money. If you do not comply fully before the 19th of June then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice. Yours faithfully, Im right in thinking that email is seen as letter by the law? They have to achknowledge it and respond and so forth?

Had another letter from Tommy Mclean: your complaint regarding charges has been passed to me from your branch, given that i had responded to your earlier letter. I know that your branch has ordered statements to allow you to highlight which specific charges you wish to challenge. When you receive these, please let me know the details of those charges and i will be pleased to investigate. Tommy. Hmm, bit strange? I did hand in the printed out spreadsheats with my LBA, maybe the bank didnt send them on to Tommy? Is this my problem? Shall I email him a copy of them and remind him the clock is ticking? Hmm, no email address for him.

Well vosa wernt interested as its out of their juristiction, im in contact with trading standards now, whove advised me to get a better statement from kwikfit before approaching the garage, if the garge is unhelpfull they will get involved on my behalf. Interesting stuff

Yep, sorry that was an MOT job! Thought Id mentioned that. I'll be taking action on this over the next week, will let you all know what happens!

See what they say when you ring them, they may retract the offer but I doubt it. Tell them you will follow up the phone call with your acceptance as an intrim payment in writing, but stick to your deadlines and send any other letters due in the mean time.

Could you pay him in bank transfer? He cant refuse or not cash those.

Good idea, i'll throw that in when i meet them for extra weight. edit.. Does anyone think itd be worth it to use VOSA as a threat to get a two brand new tires from them? Or is that pushing it...

yup, onto the next step. LBA isnt it? ah you've done that, the next one then