Thread: Milky Vs RBOS

Hi there,

I've recently decided that I wanted to jump on the bandwagon and get me back some bank charges.

I've sent the Data Protection act letter plus the fee for £10 and RBOS have sent me my statements for the last 6 months which I received today.

I've been through and highlighted all the charges but I just want to make sure I claim for the right things. There are 2 main charge descriptions which appear on my account.

1) Referral Charge

I seem to have loads of these. I've talked to some guy at Direct Banking and he's telling me that these are probably charges for going over my overdraft limit. Can someone tell me whether thats true or can someone tell me if I should be claiming these anyway

2) Chg to *date*

I also have one of these every month. A woman I spoke to at Direct Banking says that these are usually subscription charges for my account eg I have a Royalties Gold Account. However sometimes these figures outweigh what the subscription is eg this month I was charged £40 and she says the sub is £12. She explained that the extra £28 is probably a fine for going over my overdraft. Do i subtract the Royalties subscription from my calculation(I think I probably should as it's a fee I agreed to) This would also apply to the fee I paid for my student account.

3) Interest

I'm using the advanced Excel Sheet for working out how much you're due from the library. I've entered all the charges in the left hand side but the right hand side is asking for interest..do i enter the charge again on the right side as well to get the interest?? Can someone show me a completed one of these or an example to help me on my way?

Much thanks..

FYI at the moment my claim stands at £4201.24 but I've still got 6 years of subscriptions to take off which is probably a couple of hundred pound. Not a bad haul though

Similar Threads:

• I Won! Against Rbos
• Amanda v's MBNA, Eggcard, BOS, RBOS, RBOS credit card & Capital 1
• Up, up and away! Against the RBoS
• Me v RBOS

Firstly, You can claim for the refferal charge

Secondly, just deduct your subscription charge (£12) off the total charge, they add them both together just to confuse ya lol.

As for the interest, dunno about that one, i`ve not used the advanced spreadsheet, sorry.

Keep us updated and good luck.

Okay used the simple sheet(http://www.CAG-files.co.uk/barracad/...arges-calc.xls) and gotten a total for the charges. Do I send this plus the interest figure as I've read somewhere on the site about not asking for the 8% interest initially...

*HELP*

Hi Milky

In your prelim letter and lba just ask for the amount of the charges back, send a copy of the spreadsheet which will include the 8% interest but don't mention this amount until you file a court claim.

Stacy xx

Prelim going in the post tonight...£3000+. That'll teach the ******s not to extend my overdraft ;o)

Good luck mate!

Recieved a "sod off" letter from the ever so famous Tommy McLean today. Will get the lba sent off shortly

Just a couple of quick questions to clarify.

1) I've had a sod-off letter. They replied within 4 days of my prelim request. Do I send my lba now or wait till the 14 day deadline has expired?

2) The LBA seems to be set up for people that had no response. Do I amend it slightly to say something of the lines "Further to your letter dated 10th October in which you refuse to repay the illegal penalties you have been charging me I am making one further effort to solve this issue. I hope that it doesn not come to court action however..."

Thoughts?

lba on it's way :o)

Received an offer today for 60%. Decided to phone Tommy McLean, told him I'd be rejecting the offer, that legal was going to start next Thursday unless he came up with something better and he's now offered me 90% as a final settlement with no clauses to stop me claiming in the future. He was very helpful and anyone that gets to this stage and is worried about going legal should perhaps think about calling him and making the same sort of play I accepted this as I need the money(moving house) and I can't be bothered going through the courts for the next 2 months like some have.

donation once the cash is in my account :o)

Thanks to all who helped.