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Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> Royal Bank of Scotland > RBS and BOS Successes

RBS and BOS Successes **Existing Successful Claims Only *NO* New Threads Please** - Contact a moderator to move your thread


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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

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Old 18th November 2006, 18:16   #1 (permalink)
mbdiss
Classic Account Customer
 
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Angry what should i do next *** WON ***

Hi this is my first post. I have already sent my first letter to RBS stating the amount of money owed to me. This was sent on the 8th November.
I have received a letter today, which is as follows.


Thank you for your letter of 8th November and I apologise for any dissatisfaction caused by the application of charges to your account.


We believe that are charges are fair, reasonable (this coming from a bank that charged me £152 for two unpaid items ) and transparent. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff, which we are satisfied, complies with all applicable laws and regulations. We are also committed to ensuring the transparency of the information that we give to our customers about the operation of our products.

Against that background, we must differ in the views expressed in you letter.

However, we have taken the opportunity to review the charges applied to your account and as an exceptional matter we are prepared to refund £711 (the total owed to me is £3255) as a gesture of goodwill. Acceptance by you of this payment will be a full and final settlement of all claims you may have relating to our charges.

I no longer bank with RBS so have no worries about the closing my account. They have also severed my account with a default notice which I asked to be removed in my original letter them.

Should I accept this offer??

Last edited by mbdiss; 19th November 2006 at 20:54.
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Old 18th November 2006, 18:20   #2 (permalink)
Mumofthreeboys
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Default Re: what should i do next

Quote:
Originally Posted by mbdiss View Post
Should I accept this offer??
Well, only you can answer that question. If it were me I'd be sending them this letter http://www.consumeractiongroup.co.uk...ent-offer.html
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Old 18th November 2006, 18:28   #3 (permalink)
mbdiss
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Default Re: what should i do next

Thanks for the suggestion. I think I will use some of the letter as I have not yet sent RBS my letter be for action yet.
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Old 18th November 2006, 23:43   #4 (permalink)
Me.x
Basic Account Customer
Default Re: what should i do next

I got a similar letter, rejected it wth LBA then week later received reply from Tommy offering me half what I was claiming for...needless to say.. filled out MCOL today!
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Old 19th November 2006, 09:16   #5 (permalink)
mbdiss
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Default Re: what should i do next

When I send the rejection letter to RBS do I need to give them another 14 days or do I stick to the original time frame set out in the letter I sent on the 8th November

Last edited by mbdiss; 19th November 2006 at 11:06.
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Old 19th November 2006, 09:27   #6 (permalink)
mbdiss
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Default Re: what should i do next

I have been dealing with my local branch. Is this the best way to get a result or should I be contacting head office about this.
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Old 19th November 2006, 20:46   #7 (permalink)
mbdiss
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Default Re: what should i do next

this is the responce i am sending. dose anyone think is needs changing

Thank you for your letter dated 18/11/06
I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £ 3255.24

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

My letter previously indicates that you have 14 days comply fully before I commence a claim against you for the full amount, plus interest and cost. You are reminded that there will be no extension to this timescale.

I trust this clarifies my position.


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Old 19th November 2006, 20:50   #8 (permalink)
nevos
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Default Re: what should i do next

Think your on the right track to hold out for it all, it has worked for many on here. Good Luck!
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Old 19th November 2006, 20:51   #9 (permalink)
mbdiss
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Default Re: what should i do next

thanks for the support
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Old 20th November 2006, 23:26   #10 (permalink)
Me.x
Basic Account Customer
Default Re: what should i do next

That's fine! You are on the right track. I just replied to who made me the offer, then got second offer from Tommy, ignored that one and filed my MCOL against my branch.
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Old 21st November 2006, 11:23   #11 (permalink)
mbdiss
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Default Re: what should i do next

Got a phone call from my local branch on Saturday saying if I was not happy with the offer to contact them and the would pass the complaint on to customer relations, which seamed a bit odd to me. Anyway have sent rejection letter so I guess I will have to wait and see what RBS come back with.
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Old 21st November 2006, 11:57   #12 (permalink)
Jimbos
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Default Re: what should i do next

Don't get into conversation with them regarding this, if yu have followed the guides for the content of the LBA etc. there is no need to entertain conversations with any one. Stick to your timeline, when the time comes file with MCOL and sit back and wait! Sounds like you have the plan sorted...
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Old 21st November 2006, 12:22   #13 (permalink)
mbdiss
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Default Re: what should i do next

The only communication I want is in written form. They rang and spoke to my wife. I have been down similar line with student loans. They agreed to sort things out over the phone then never did. It took me three years to sort that one out and also got MP’s involved.
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Old 26th November 2006, 21:34   #14 (permalink)
mbdiss
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Default Re: what should i do next

Ok a bit of an update on where I’m at with this.
Sent prelim letter 8th August. Got a reply from RBS saying we will give me £ 711. Rejected this offer on the 17th November and have heard nothing since.
The dead line for compliance is 30th November. So LBA letter is the next stage for me. Which I need to start putting together.

There are two things I need help with.

1 In the prelim letter I didn't send a schedule of the charges, but RBS haven't asked me for it so guess there are just hoping I will go away.

2 In the LBA letter do I include the 8% interest?

3 The RBS show on my statements that they have default me but when I got my credit report for experian it is not shown. Dose anyone know which agencies RBS use?

4 Should I still continue to ask for the removal of the default if it is not showing on my credit report?

Ops did I say two things. Your help will be and is much appreciated.
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Old 28th November 2006, 00:13   #15 (permalink)
mbdiss
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Default Re: what should i do next

quick question. do you need to include contractual interest at the beginig of the prosses?
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Old 28th November 2006, 12:59   #16 (permalink)
cheddar
Platinum Account Customer
 
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Default Re: what should i do next

1 In the prelim letter I didn't send a schedule of the charges, but RBS haven't asked me for it so guess there are just hoping I will go away.

1. Send one now.

2 In the LBA letter do I include the 8% interest?

2. Only include 8% if/when you file a claim

3 The RBS show on my statements that they have default me but when I got my credit report for experian it is not shown. Dose anyone know which agencies RBS use?

3. Get your report from Equifax and CallCredit too

4 Should I still continue to ask for the removal of the default if it is not showing on my credit report?

4. Yes as it may be on Equifax or CallCredit
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Old 28th November 2006, 13:00   #17 (permalink)
cheddar
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Default Re: what should i do next

Quote:
Originally Posted by mbdiss View Post
quick question. do you need to include contractual interest at the beginig of the prosses?
No only claim it at court stage when you file a claim. Please follow the step by step guide carefully.
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