RBS not budging!

[NLSneddon]

I sent away my preliminary request for payment and received a letter back stating that they wouldnt refund charges as they think they are fair blah blah blah... then said

'We do not accept Office of Fair Trading's findings in relatrion to credit card fees. We are concerned that the Office Of Fair Trading has publicly called into question the setting of charges applied to other products, including current accounts. The Office of Fair Trading has restricted its investigation to credit cards and made no attempt to consult with RBS or the industry in relation to other, entirely different products'

Surely this is no excuse for the unfair charges? Can i still proceed with the LBA? And they have failed to note that it is a student account and i should have not been charged a service charge. I did tell them all this in the letter before!

Any help????

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[MARTIN3030]

Proceed as per procedure........take no excuses go for the money

It belongs to you...and you WILL get it !

[Shazza_G_]

I'm new to this site today......PLEASE keep going. I'm going to track your progress and begin my attempt at getting back £3,020 from Virgin One account this week.

GOOD LUCK and KEEP GOING!

Shazza

[MARTIN3030]

Shazza Hi and welcome to the site.
Just a couple of little introductory pointers;

Read thru the faqs

Start your own thread in your bank group.

If you need any help along the way ......its all here.

[Shazza_G_]

tyvm for your reply and THANK YOU for being there. I sincerely hope not to have to contact you for help and will read and re-read the info before we get started.
Do rest assured that if I am successful, 5% will be going to the site.
Have a GREAT day,
Shazza