he means you wont need luck, as you WILL get your money back.

Bring some good weather with you as it's been raining this past week, were abouts in scotland you going ? I'm 5 Minutes from Loch Lomond..

fANTASTIC MY FRIEND, BOOK A HOLIDAY AND ENJOY YOURSELF.

Bernadette or any mods reading this, it my be a wise step to remove your IP address username and userID from your first post, just a thought.

will do my friend and good luck

S.A.R Sent 31/07/06

S.A.R Sent 31/07/06

email sent to local MP reads as follows hehe he's my ex maths teacher . Hi John An ex St Pats pupil of yours here, oh god how i remember that leather belt anyway i would like to bring to your attention the current ceiling limit in the scottish law which stats that limit to be £750 in a small claims court, whereas our counterparts in England & Whales enjoy a ceiling of £5000. let me past an article i have just read. Research carried out by Which? shows Scots are demanding the same rights of redress as their counterparts in England and Wales. At the moment, a ceiling of £750 prevents Scots from defending their rights against suppliers of shoddy goods and services above this limit. The limit has remained 'frozen' for 15 years and is in serious and urgent need of updating. Scottish consumers are often therefore effectively prevented from pursuing their rights, as the Small claims system is the only inexpensive method of protecting consumer rights through the civil courts. The lack of consumer redress in Scotland has resulted in a charter for dodgy goods and shoddy services, which is leaving many Scots powerless to protect their consumer rights. At a briefing on 2 March 2004, hosted by Member of the Scottish Parliament Mike Pringles, we called on the Executive to provide consumers with the same civil rights of redress as their counterparts in England and Wales, where the limit is already £5,000. An audience of MSPs, journalists and stakeholders heard that three quarters of Scots (74%) believe that the upper limit of of £750 is too low and should be raised, at least to £5,000, in line with England and Wales . And nearly two thirds (65%) also said they would be more likely to use the Small Claims system if the upper limit was above £750. Labour Member of the Scottish Parliament (MSP) John Home Scott has lodged a motion calling for the increase to £5,000, which has gathered 32 supporting signatures from other MSPs. This will hopefully soon result in a Private Members' Debate in the Scottish Parliament on raising the small claims limit. I would be very greatful if you could look into this for me as my MP, as it is quite obvious that we are not in line with the current legislation in the rest of the country, as it stands now if i wished to take a copmany to the small claims court for talking sake £1500 i would have to file 2 claims. this seems crazy to me and a complete waste of resources and man power. I look forward to your reply. Kind Regards Mr Paul Allan

roger ty again dolly

PS i noticed on your sig you have claims going into your mortgage companies, can i file with them just the same way as i do with the banks ? Thanks again in advance dolly.

was wondering also, can a file an online money claim even in scotland, or do i need to go through the scottish proccess.

quck question, i was gonna send the request for payment letter to the contact in the data protection team, is there a more appropriate place to send it?

Charlie thanks for that, amended the letter, dolly i found out i can view all my statements online and have now calculated the amount. no need for statements now.

request for payment will be sent 31st of july for total of £817.56 which includes 8% intrest.

i estimate about £700 ish

spoke to cathrine today and i have to send off £10 as per Dollys advice, fingers crossed, i must say though this catherine barford has been totally upfront and very nice to deal with. statements on the way, thanks again dolly.

yer i understand that now, thanks for the reply, all is in hand now and i'll update asap.

40 days have past now and still no statements, so i called yesterday to be told that Sam Ormans had left the company and they had not received my letter requesting my statements for the fee of £5 to be taken by DD as per my branch manageresses instruction. spoke to Catherine Barford and sent a copy of the letter by email to her requesting confirmation upon receit, never got that so i've called back again today and am just waiting on her return call.

Yes i understand that my dear boy but i was looking for more legal point of view.

UpDate Sam Ormans has left the company, i'm now dealing with a Catherine Barford.

Strange one this, hope someone can help me. ok i had an account with RBS for over 6 years, they closed the account due to me signing a trust deed 2 years ago, can i still place a claim for those 4 years before they closed my account ?

A Step account offers no chequebook, no credit card, no overdraft facility but does come with internet banking and a Solo cash card which can also be used to pay for goods in most of the big chains and stores. However, it cannot be used to pay bills online or via telephone banking, nor can it be used to transfer money to another bank account. But there is a trick to get around this limitation. How To Use Telephone Banking To Pay Bills With a Step Account First you have to open a NatWest First Reserve savings account, this can either be done online www.NatWest.com or at any branch The First Reserve is a very simple deposit/savings account which pays a pathetic interest rate of around 1.5%, but this doesn't matter because you're not going to be using it to save money in Once the account is opened you'll be able to access it from the same screen on your internet access With you Step account if you try to use the 'Payment' button it will tell you that your account does not support this function But call NatWest up on their 24 hour customer line 0845 601 3366 transfer money from the Step to the First Reserve and then make the payment using the First Reserve account For example, you owe £20.47 to BT, phone NatWest get them to transfer £20.47 to your FR then get them to pay BT from that account, all this will take less than 3 mins. Natwest have an excellent telephone banking service and with it being 24 hours you can call whenever you want Why Is This Important This perhaps sounds more long winded that it actually is but it's very important because many of the people with Step accounts have been unorganised with their financial affairs in the past, especially no doubt when it comes to paying bills. And as a Step account doesn't come with a cheque book many bills have to be paid down at the bank which can be a hassle, getting to town, waiting in line etc. Using this strategy one can remain fully on top of all money that has to be paid out and it only takes a few minutes.

A Step account offers no chequebook, no credit card, no overdraft facility but does come with internet banking and a Solo cash card which can also be used to pay for goods in most of the big chains and stores. However, it cannot be used to pay bills online or via telephone banking, nor can it be used to transfer money to another bank account. But there is a trick to get around this limitation. How To Use Telephone Banking To Pay Bills With a Step Account First you have to open a Natwest First Reserve savings account, this can either be done online www.natwest.com or at any branch The First Reserve is a very simple deposit/savings account which pays a pathetic interest rate of around 1.5%, but this doesn't matter because you're not going to be using it to save money in Once the account is opened you'll be able to access it from the same screen on your internet access With you Step account if you try to use the 'Payment' button it will tell you that your account does not support this function But call Natwest up on their 24 hour customer line 0845 601 3366 transfer money from the Step to the First Reserve and then make the payment using the First Reserve account For example, you owe £20.47 to BT, phone Natwest get them to transfer £20.47 to your FR then get them to pay BT from that account, all this will take less than 3 mins. Natwest have an excellent telephone banking service and with it being 24 hours you can call whenever you want Why Is This Important This perhaps sounds more long winded that it actually is but it's very important because many of the people with Step accounts have been unorganised with their financial affairs in the past, especially no doubt when it comes to paying bills. And as a Step account doesn't come with a cheque book many bills have to be paid down at the bank which can be a hassle, getting to town, waiting in line etc. Using this strategy one can remain fully on top of all money that has to be paid out and it only takes a few minutes.

i think we will find this kind of action accross the board soon.

yip sam is dealing with mine.