wish me luck against rbs

[ronvin]

here i go again already claiming charges from the halifax and barclays for a lot more, but while claiming from barclays via money claim rbs decided to take a charge from my account. my fella rang and asked for it to be refunded andthey refused, they then decided to add a few more charges over the xmas period (the fools, you think they would learn). i phoned the other day and asked them to refund the charges and again they refused until i stated that what they were doing is wrong and the only reason i was in over my overdraft was that they have taken charges out. they refunded £38 into my account still leaving me over, with a £28 charge looming if i don't sort out my account.
so, i am writing to their h/o with a letter giving them 14 days to refund all charges (its only £106 so i'm hoping they will reconcider) or my first letter goes out to them.
is this ok or should i leave out my letter and start the process now?

[Rooster-UK]

Hi Ronvin.

It's worth giving it a try as it's only a small amount.

If that doesn't work then wade straight in with the preliminary request letter from the templates library.
Stick to your timetable, not theirs.

Good luck.
Regards, Rooster.

[ronvin]

i won ha ha ha

just an update i sent rbs a letter on the 8th of jan basically asking for them to return my £108 in bank charges to me or to face further action. on the 22nd of jan the sent a letter saying " i'm sorry you have concerns blah blah blah ........... we believe that these charges are fair, reasonable and transparent.(whatever) blah blah blah ...................... however we have reviewed your case and as a gesture of good will and without admission of liability or error in this instance we are prepared to offer the amount of £108 blah blah blah..................... .

i'm quite suprised really as i didn't use the standard prelim letter not got my money yet though so i'll keep you posted

[ronvin]

hi rbs have put the money in my account so i have my money back great i can't believe it

[ronvin]

hi i'm back against rbs again they are greedy aren't they !!!!!

about £300 in the last three months

they threatened to close or downgrade my account if i went for they charges again has this happened to anyone or is it just a threat?

[ronvin]

can anyone help with the previous post as the rbs has taken over £300 in charges off me in the last 3 months wondering whether to open a new account now or start with me prelim as i have all of my statements

i have had charges refunded to me from this account before and they threatened to downgrade or close my account if i did claim for them taking charges in the future

[ronvin]

I.m sending off my preli today for charges put on my account over the last 4 months. How can they justify taking £354.

Its daylight robbery

[ronvin]

Well as no one gave me any advise i deceided to open another account anyway just incase.
On thursday when the post came with a standard letter from the RBS saying they will get back to me in the next 6-8 weeks. They have till next monday to get back to me otherwise they will receive my LBA.
Just finishing off my case against barclays so have the funds to go to court nevermind i suppose its more money in my pocket.

[ronvin]

Well i didn't get anywhere with the above claim and after receiving the standard letter after the high court hearing i gave up my quest of reclaiming my charges.

After moving house and opening a new bank account i realised the cheeky rbs had continued to take charges out of my account taking the total to £708.

So i've sent a new prelim stating amount taken before and after the hearing, lets see how i get on this time !

[hellhasnofury]

Originally Posted by ronvin

Well i didn't get anywhere with the above claim and after receiving the standard letter after the high court hearing i gave up my quest of reclaiming my charges.

After moving house and opening a new bank account i realised the cheeky rbs had continued to take charges out of my account taking the total to £708.

So i've sent a new prelim stating amount taken before and after the hearing, lets see how i get on this time !

Hello Ronvin,

You poor thing After reading your thread, nobody responded to your posts.

Yes you are right to restart your claim and it was advisable to open up a new account, as they can get a bit retalitory

Start by sending of your prelimary letter asking for them to refund the money they have taken. They will respond with the "Thank your for your letter, thankfully we can still take these charges, but do not have to investigate your complaint, but will add it to our mountain's of other claims till the outcome of the test case.

Then send your LBA and if no response of the same. Issue at court

Good luck and keep us posted

[ronvin]

Recieved a letter from the lovely RBS today (pretty quick for them)

Thank you for your letter regarding your claim for charges.
As outlined in our previous letter to you, will will resolve your complaint once legal proceedings between the oft and the banks are determined
We have registered and stored your complaint.

If you would like and update on the latest postion regarding proceedings
visit our website Overdraft charges update- RBS - The Royal Bank of Scotland

Will give them another week as they haven't had 14 working days yet then lba will go off.