Thread: RBOS Have Replied to LBA Letter...Help?

Hello All

I have just received a response from my lba letter to the RBOS, which reads:

"I apologise for any dissatisfaction caused by the application of charges to your account. However, we believe that our charges are fair, reasonable 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.

However, if you disagree, please let us know the date(s) and amount(s) of any particular items that you dispute. We will be pleased to reinvestigate. <already sent the schedule of charges with LBA!>. Unless we hear from you in this regard, the charges debited to your account must stand.

It is diappointing to note that you are considering legal action against the bank. Whilst I hope you will feel able to reconsider, should you decide to go ahead, please ensure that any Proceedings are served on our Registered Office address, which appears at the foot of this letter. Blah, blah, blah..."

They are asking me to serve the papers to an office in Edinburgh when my account was opened in England, is this correct? I still haven't received full statements from them yet and am only claiming up to when I stopped using the account in 2003!

Any advice would be most appreciated.

Best wishes

Milly

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Originally Posted by Milly Weeble

Hello All

I have just received a response from my lba letter to the RBOS, which reads:

"I apologise for any dissatisfaction caused by the application of charges to your account. However, we believe that our charges are fair, reasonable 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.

However, if you disagree, please let us know the date(s) and amount(s) of any particular items that you dispute. We will be pleased to reinvestigate. <already sent the schedule of charges with LBA!>. Unless we hear from you in this regard, the charges debited to your account must stand.

It is diappointing to note that you are considering legal action against the bank. Whilst I hope you will feel able to reconsider, should you decide to go ahead, please ensure that any Proceedings are served on our Registered Office address, which appears at the foot of this letter. Blah, blah, blah..."

They are asking me to serve the papers to an office in Edinburgh when my account was opened in England, is this correct? I still haven't received full statements from them yet and am only claiming up to when I stopped using the account in 2003!

Any advice would be most appreciated.

Best wishes

Milly

Don't worry, it's a standard letter.

Respond

Dear Sirs,

Penalty Charges - <account details>

I refer to your letter of <date>.

I would advise you that I have already furnished you with the list of charges that I dispute. I have also made it abundantly clear that your charges are unlawful.

I note your request that I serve papers on your head office in Edinburgh. However, I would refer you to Rule 6.5(1) of the Civil Procedure Rules - should you wish to give an address for service you must give an address within the Jurisidiction of England and Wales - the Jurisidiction I intend to raise this action in.

Nevertheless, should you not refund the charges to my account within the next 14 days I will raise an action against you in my local county court. Such an action will include also seek an award for interest and compensation for invonvenience caused.

Yours faithfully

NOTE: I would claim contractual interest at this stage