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Great great site, takes some reading and more again...here's where we're at...
Sent for statements 17th April
Received 3rd May
Asked for charges 3rd May, rec del. 14 day timescale to respond
Reply rcvd 9th May, Sandy Watt, looking in to claim,8 wks etc
Called 22nd May, We will write with offer? 6-8 weeks
Sent lba 23rd May, 14 days to respond
Email to Sandy 29th May, Asking for update
Reply fr. Sandy 30th May, 8 weeks to respond etc
Email to Sandy 7th June, Asking for update again...
Reply fr. Sandy 7th June, 8 weeks from 9th May, etc etc
We're now clearly over the 14 days from our LBA (23rd May)...Just looking for the nod off fellow claimers to file for court...im guessing we've been overly patient as per our letters...hopefully this won't affect our claim?
As I said it's up to you what you do now, file at court and wait for your money plus 8% interest or wait till mid July for an offer. It entirely depends what you want to do.
I have a larger claim outstanding with RBOS that I am happy to wait the 8 weeks to resolve as it will save breaking the claim up into several court cases.
Do what you are happy doing and GOOD LUCK.
I'm off on holiday tomorrow, with some extra spends thanks to RBOS! lol
Vonnie
9/8 - Discovered Consumer Action Group Site
RBOS - Personal Account
10/8 - S.A.R - (Subject Access Request) to RBOS
17/5 - Defence lodged by RBS
24/5 - Court date
21/5 - Offer received
22/5 - Offer rejected
25/5 - New offer received and accepted!!!!!!
MBNA Credit Card
10/8 - S.A.R - (Subject Access Request) to MBNA
Feb 07 Received payment in full...Yeh!!!!
RBOS Business Account
25/5 - May 07 - Statements received
23/7 - Offered received
Ok, struggling a little, need some guidance...this morn decided to go for court, started to access pages for filing in the court papers...
We started this on MSE, and rightly or wrongly, asked for 8% intrest in our first letter...after no reply, we double checked (or so we beleived) our figs, had to amend them slightly in RBS favour, from £1309 to £1259...rcvd normal looking into claim etc...
Thru CAG spreadsheet, the figs have now come up £1322...!!! ARRGGHHHH
Is it adviseable to change again? for the sake of hassle it isnt worth it, but off the spreadsheet of MSE, we note serveral dates (day n month) got mixed up...however this kind of detail, if faced in court im guessing would be frowned upon? Also, the interest is slightly different too...
So, do we...
A/ SEND ANOTHER AMENDED CLAIM? WITH ANOTHER 14 DAYS?
B/ CONTINUE WITH COURT CLAIM AS IS? BUT NOTE ON COURT PAPERS THE amendment?
It doesn't really matter if your claim amount changes prior to issuing your court claim.
Double check your figures and when you are sure you have them right then use those figures in your N1 POC. Don't forget to include your itemised list of charges with your N1 submission.
Ok Folks Need some help...Have searched site, Im sure ive seen it somewhere, weeks ago, before i started note padding pages but...Just filling in N1 form...(and now i cant find anything on interest)
I understood the 8% to be added to each charge the day it was made...right or wrong?
I dont understand this overdraft interest on top??? other than it being the interest charged on the charge that took you over?
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If i choose to ignore this, How would i word the bottom paragraph?
Charges £xxx.xx
Overdraft Interest £xxx.xx (i will omit this line)
Interest under s.69 County Courts Act 1984 £xxx.xx
Court Fee £xx.xx
TOTAL £ xx.xx
Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just.
1/Charges £100.00 (not exact amount just example) interest under s.69 County Courts Act 1984 £10 (intrest at 8% on each charge since being charged)
Court Fee £50.00
2/plus intrest pur.s69 cc act etcetc from date of issue to settle/judgem. at 0.00022 per day or at such rate court deems appropriate
Um, I take it from your note, that paragraph 2/ is other intrest on top of our claim?>>>
My god, I knew in my heart i was going backwards with my thought process...
What should i have put/how should i have worded it.
I greatly appreciate you taking the time to post and advise...
Unless you are going for Contractual interest (which in itself is a prickly issue!) the 8% statutory interest is the 8% (non-compounded) worked out on each individual charge on a daily basis.
You only claim for one lot of interest.
So the value of your claim would be...
Amount of Charges
8% Statutory Interest on those charges
Court Costs
Incidentally you can only claim the s.69 interest until the date you issue the claim. It's the judge's prerogative to award the 8% for the duration of the claim.
Decided to wait for the fos deadline, the N1 form fried my little brain. It was only another 2 weeks anyway.
And so, Full offer of original claim 'blah blah blah'...
WE WON!
Thank you both for posting your advice to me, it is appreciated.
I will continue to come here however, going to investigate pre 6yrs, although i suspect i will need to get my head on properly for that one!
Clakkers Vs RBOS
Re: Clakkers Vs RBOS
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