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Royal Bank of Scotland (merged)

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  • Edinburghlass_2
    Edinburghlass_2 Posts: 32,680 Forumite
    10,000 Posts Combo Breaker
    Smooth, you think it was smooth :eek: :rotfl::rotfl:

    Well done, remember to post on the Success Stories thread ;)
  • Edinburghlass_2
    Edinburghlass_2 Posts: 32,680 Forumite
    10,000 Posts Combo Breaker
    shaunybhoy wrote:
    Sorry folks Rbs have proved there one of the better banks out there everyone i know with the Rbs have got everything they asked for back no messin about no closing accounts etc

    I can only agree when you read recent posts and the Success Stories thread.
  • feedering
    feedering Posts: 142 Forumite
    So just to give you an update.

    Claimed for £1532.50.

    RBS offered goodwil gesture £1492.50

    I declined the offer and said i will take them to court. Issued the letters and appointed MCOL to act on my behalf. And if you seriously think i did that then you must be a turd because id be the same if i declined that. Off course i said yes and accepted the offer. The process for me was smooth. Not everything went along the timeline but we got there in the end, slowly but surely. I will scan the letters and show you how they worded it. Muchas Gracias.

    I am Glad you won, may I just say that although you got almost all your money back you still let the bank take some of your money unlawfully.

    I can see why people settle and I understand however :

    If you walked down the street and were mugged for £30 and teh mugger said "ok mate here is £20 back no go away" would you?

    This is th fundamental principle the charges are unlawful therefore unenforceable.
    Only accept the full amount PLEASE!!!!!!!!!!!!!!!!!!!!!!!1
    the way forward is the consumer action group .co.uk
  • Helllo. My first post. Thanks to edinburgh lass for covering things well in so many forums..!

    Is there a deadline to all this - are the banks/courts/govs closing the loop holes? I want to start a claim, and have about 3 years of statements. can i claim half now and half later? or am i not in a hurry?

    cheers

    J
  • nickmack
    nickmack Posts: 4,435 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Is there a deadline to all this - are the banks/courts/govs closing the loop holes? I want to start a claim, and have about 3 years of statements. can i claim half now and half later? or am i not in a hurry?

    This isn't a loophole, so nothing is likely to be 'closed'. There is alot going on with this whole issue, so things do change and evolve as banks and claimants adopt different tactics and various other bodies invetsigate and make recommendations.

    At the moment, you can start the claim using the article in my signature.
  • Edinburghlass_2
    Edinburghlass_2 Posts: 32,680 Forumite
    10,000 Posts Combo Breaker
    Have you totalled the charges on the 3 years statements you have yet and are you claiming in Scotland? If you are claiming in Scotland you are limited to 5 years rather than 6 plus if you are using the Scottish court system the limit for small claims is lower.

    However as you are really hoping it won't go to court at all I would get the other 3 years statements and start the ball rolling now on the 6 years and we can worry about claiming via the English or Scottish courts at a later stage.

    This website is usefull if you are claiming in Scotland.

    http://www.govanlc.com/jurisdiction.htm
  • thanks! i take it there is no indication of a changing of law to protect banks? dont want to undertake claim really if there is in april..? something i heard.
  • sho_me_da_money
    sho_me_da_money Posts: 1,679 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    feedering wrote:
    I am Glad you won, may I just say that although you got almost all your money back you still let the bank take some of your money unlawfully.

    I can see why people settle and I understand however :

    If you walked down the street and were mugged for £30 and teh mugger said "ok mate here is £20 back no go away" would you?

    This is th fundamental principle the charges are unlawful therefore unenforceable.
    Only accept the full amount PLEASE!!!!!!!!!!!!!!!!!!!!!!!1


    I understand what your saying but beggars cant be choosers, I would imagine it would cost me more in time and calls claiming back the excess of £40.00. I am grateful for the fact i actually got something rather than nothing at all.

    When i say time, i mean time i could be spending working and earning money. All in all im a happy chappy and my greatest thanks goes to Eddylass, the sexiest, most intelligent lady on here.

    Cheers.

    In the famous words of Borat: "Great Sucess!!"

    p.s. i will post on success stories, once i get the cheque :p
  • Edinburghlass_2
    Edinburghlass_2 Posts: 32,680 Forumite
    10,000 Posts Combo Breaker
    When i say time, i mean time i could be spending working and earning money. All in all im a happy chappy and my greatest thanks goes to Eddylass, the
    sexiest, most intelligent lady on here.
    Cheers.


    In the famous words of Borat: "Great Sucess!!"

    p.s. i will post on success stories, once i get the cheque :p
    Post of the Month for sure :T

    :rotfl:

    xx
  • DPA request returned - Royal bank of scotland



    My son had asked for records of 3 bank accounts. He has received a letter stating that the accounts cannot be traced due to lack of information even though he stated the account numbers and the name / address of his local branch in his initial template letter.He is now being asked to provide dates when the accounts were opened and closed and also the sort code for his branch. His cheque has also been returned with his initial letter.

    He will send the letter again, including the extra infromation. Should he update the date on his letter? As the cheque has been returned can he state that the 40 days are from them receiving his first DPA request or will it start from the date of his new request? I feel these are delaying tactics being used as I am quite sure that his initial details should have been adequate!


    Bank letter has been sent from:

    Retail Regulatory Risk
    Business House B
    P O Box 1000
    Edinburgh
    EH12 1HQ

    Should his reply be sent to this address or the St Andrew Square address?

    Can anyone advise please?
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