Hi all,

I followed the process through intitially and then due to various reasons and lack of time i didnt get to filing with the court. So RBS kept my case on hold and have now wrote to me to say sorry mate but you lost.

They have stated that if i dont respond withing 8 weeks then they consider the matter closed. I have a few weeks left and want to put a letter together to say i dont accept that it is closed as the matter is still ongoing.

Because i didnt originally file under reg 6, does that mean i can go straight in with reg 5.

Also.... is there any argument against the charges... which they have admitted fund free banking, when you have a type of account that you are paying for. ie royalties gold account. Your charges ae being used to fund free banking yet you dont even use free banking.

The banks always stated that the charges coved the admin fees. Now they admit that they make a profit and justify it by saying it keps banking free. So if for many years like myself you have paid for a gold account, then a royalties gold account you are not using the service that they say you have been paying for.

So in my case... and many others we were made to accept the charges thinking that they were justified by costs. Now we are told effectively that they now are justified by the admin cost and to fund free banking. Yet i can show that i have been paying for my banking service for many years. In fact, the whole time i was accumalating the charges in my claim.

Any thoughts or direction on this would be appreciated.

Thanks

Sambuca

Don't worry about their deadlines. They are meaningless unless you want to go to the FOS.

Presumably you haven't started a court case.

Have you read the artilces on the front page of this website?

Please do so.

We can help you against RBS but we will need examples of T&Cs or correspondence which show that they have been telling theri customers that their charges are reasonable or that they refloect theri admin costs.

What have you got?

I shall go and see what i can find now. Im pretty good at keeping everything so just a case of finding it. Give me a minute.

hi book can you ask someone to look in on this thread ...thanks

i must say the arguement put forward on here to FUND FREE BANKING is a very good arguement and somethink ive overlooked,if sambuca would like to look at the new case being used by GOVAN LAW CENTRE then perhaps this along the basis of what has just been written may be the way forward

patrickq1

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/250027-rbs-cca.html#post2803905

Ok.... so not as fruitfull as i hoped.

I just dug everything out... bearing in mind i havent thrown anything away i only have to letters from RBS. Two very standard letters.

The first confirms receipt of of my compaint... which they only sent after i sent an LBA.

The second was a letter thay sent when i didnt send in the forms to claim hardship.

However.....

I had various discussions via phone with RBS over this before i started following the method on here. One of their staff actually instructed me to do this. And all though im not certain he may have put his foot in it.

SO maybe i should ask for tanscripts of telephone conversations. I belive if the lines are recorded then they legally have to retain these under the data protection act and are allowed to charge a max fee of £10 to supply them and must do so within 40days?????

Any thoughts..... ive had numerous arguments with them on the phone about charges.

Patrick.... i did read that but senisibly in my opinion GLC is keeping the suprise in the bag.

Im just wandering if i have been told on the phone since i havent got it in writting that the charges were to cover costs of dealing with the crime. If so then they as has been said contradicted themselves.

Sambuca

Bankfodder.... No i havent started a court case.

Cheers for replies too

All those phone calls and you haven't recorded a single one.

Ask for the transcripts by all means - but don't hold your breath. It won't cme to anything.

You have been a CAGGER since 2006 and yet you still don't record your calls.

Anyway, what you need is something which shows that admin costs etc are their official line. It really does need to be in writing.

Please start a thread as I have asked and we'll have a look.

I know.... kicking myself. Been a member a long time but in no way spend enough time here.

The thread i started for claim is here

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/161463-sambuca-rbs.html

but don't hold your breath.

the phone calls transcripts will never surface,i dont know anyone who has yet received a transcript for phone calls like book says you need to get the recorder on your end truecall i beleive....worth its weight in gold

patrickq1

dont forget my commision booky hehe

I dont know about banks but i have successfully got transcripts of phone calls from the AA before. They sent them through on CD