Royal Bank of Scotland (merged)

Edinburghlass_2

gdawson wrote: »

the question is, which English address do i use?
my nearest RBS to my home is in Kingston, or i have an RBS just round the corner from my work in Mayfair.
any help, greatly received

Greg x

Either will do.

dazron

Right well i do kind of get it - the 8% is just something the courts judge you are entitled to then, why do they make this judgment? And why does it hurt your claim to turn down settlement without the interest if you believe you will win your case and be awarded the interest?

I think a subtle point must be going over my head!

pigsmightfly

dazron wrote: »

Right well i do kind of get it - the 8% is just something the courts judge you are entitled to then, why do they make this judgment? And why does it hurt your claim to turn down settlement without the interest if you believe you will win your case and be awarded the interest?

I think a subtle point must be going over my head!

If you refuse the full amount then carry on going to court will that not look bad to you that you were not willing to accept the banks offer of the full amount?

dazron

Well i don't know - is it 'the full amount' though, if we all know if I claim in the court I will be awarded Interest?

Edinburghlass_2

You don't know for sure you will win and the bank will certainly enter their defense as being that you didn't accept their offer of your full claim

From MCOL FAQ...

Q. How do I work out the interest I am owed when entering judgment?

A. You can only claim interest at this stage if you reserved the right to claim interest when entering your particulars of claim. You must also have completed the interest paragraph correctly. Your daily rate of interest will be stated in your particulars of claim, you will therefore need to calculate the number of days passed since the date of issue to the date you are entering judgment.

The above covers anyone claiming anything via the courts, it could be a holiday company you are claiming £100 from you would be entitled to 8% interest should you win your case.

dazron

Right - ok well, i believe you then!

I've detailed the Interest and we shall see what happens!

(A part of me wants to get it to the Court stage!)

WELSH-DRAGON_2

Thanks Edinburghlass for your prompt response, I may have jumped the gun abit,

On-line the screen shows:

Issued 12/03/07

Your claim request has been accepted. The Defendant has 14 days from the date they are served with the claim, to reply.

If I then go to the judgement box I get an option to click on start which then brings me to the:

2 options:

The defendant has not filed an admission or defence to my claim
(Judgment by Default)

You will need to decide, how and when you want the defendant to pay. You can ask for the Judgment to be paid by instalment or in one payment.

OR
The defendant admits that all the money is owed
(Judgment by Admission)

If the defendant has given a new address on the form of admission to which correspondence should be sent, update the defendant's details within the following Judgment request.

Now, as the screen shows:

Your claim request has been accepted. The Defendant has 14 days from the date they are served with the claim, to reply.

Do I wait the 14 days then click one of the 2 options ? and is that 14 working days or 14 days including weekends ?

many thanks for your replies - it's all new to me and I feel abit lost with it all, HSBC paid up on my 2nd letter.

cheers Welshy x

Edinburghlass_2

Check the MCOL FAQ....

http://www.hmcourts-service.gov.uk/cms/1051.htm#howtoproceed

WELSH-DRAGON_2

Thanks I have read it and I have to wait the 14 days before entering the option

cheers Welshy x

trina1

after posting last week saying that rbs wont look into my first letter till the 17 april, i sent out my second letter, this is a week tomorrow and i still have not heard anything. I'm assuming now that i go to my small claims court and get a form to fill in. Does anyone know what the form is called and if it is a straight forward form or do you need help filling it in. thanks