Thread: SHOULD I ACCEPT? RBOS credit card

I received an offer from RBOS which is less than half of what I am claiming.
They state they will refund me the difference between the £12 and £25 and this is their Full and final offer.
I sent a partial acceptance letter and they still came back and said this is their final offer.
Should I accept this :-|
The time limit for lba is up, but not sure if I start a court claim, that I would win??

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hello and nice to meet up with you!

I noticed that you have posed the exact same question on the HBOS Forum, with the same offer details ie bank assuming £12 charge and offering you the difference?

Is this correct and both banks are offering the same type of settlement?
If so, this sounds like an apparent change of tactic.

Please expand and confirm.

Many thanks.

Hi. Given your reply on HBOS forum, and you have 2 seperate offer letters, from RBS AND HBOS, this sounds, on the face of it, like a change of offer tactics. I will refrain from mentioning colusion at this point!

Would you mind typing in both offer letters please. One for rbs, here, and one for HBOS, on your thread there. This would allow further consideration by our experts!!

If this turns out to be the case, I am wondering why, at this stage, 2 seperate banking groups have suddenly started what appears to be a new offer tactic. I have no experience of RBS but a fair bit within HBOS and HBOS used to offer

refusal- "our charges are fair- SO GET LOST"
50%
100%.

Please post this info when you can.

Thanks Kenny

HI
Again sorry about the delay in responding, have been soooo busy.

The letter from RBS states:-

Thank you for your letter ..........
As we outlined we explain all of our T&C's including our fees and charges at account opening and they form the basis of your agreement with us. We must therefore, disagree with the views expressed in your letter.

If on reflection you would like to accept our offer of £152.69 (claiming £498) as outlined in our previous letter.......
This figure represents a refund of the difference between our original charge and the current £12 late payment charge.
I would re-iterate that this should be taken as the bank's final response.
.......

I have sent another partial acceptance letter and they have 7 days.

Will wait and see if they get back.

I think the difference is the credit card- we have one claim against the RBS current account which was settled after small claim lodged but before court hearing. The other claim against an RBS credit card was offered the difference between the old and new charges- we refused, went to court for the first call. The court set a hearing date of 4th October. Yesterday we received a phone call from the RBS solicitors offering settlement of full amount without interest or court fee and with a gagging order and no default removal- we've just refused this its only for £180 so I fancy a day in court- BUT I reckon they'll fold before the date. Stick to your guns and remenber to complain to the Law society if they settle before the hearing- they're just abusing the court system- when solicitors are duty bound to act in the best interests of the court!!!!!