Finally Taking On RBoS

**susie-sue32** · 16th October 2006 23:38

Hi all

I got my statements from RBoS and calculated that they owe me £882.00 so my letter for claim 1 (£620.00) will be posted in the morning. Feeling a bit nervous about it but also feel I have plenty of support here if I get worried

I'm a bit confused with my RBoS statements though. I had a Royalties Account which cost £5 per month. Each month the statement has an entry of "CHG TO DDMMM A/C XXXXXXX £5.00", but on months where I went over my overdraft icon

limit it still just gave one CHG entry for a total of £25. Does this mean the amount I claim for that month is £20? Also, on months with the £25 CHG, directly underneath this entry there was a similar looking one (still "CHG TO DDMMM A/C XXXXXX" with another amount eg £5.27. I presume this is interest charged by them for going over my limit? The amount seems a bit strange for going over my limit by £10 or so for 1 day. Can anyone clarify what this charge is? I've not included it in my 1st claim. I'm trying to keep the amount under £750 so doing it in 2 stages.

Thank you everyone in advance for being helpful and friendly. Hopefully one day I'll be able to return the favour!

Similar Threads:

**seawall** · 17th October 2006 06:45

Based on my attempts to decypher my Royalties account charges, I think that your assessment of these charges is right. I had these variable charges as well, and assumed that they were interest charges on the overdraft icon

.

Good luck with your claim.

**weej** · 17th October 2006 08:27

ABSOLUTELY. Just deduct the £5 charge from your monthly figure (you can usually tell where it is by the fact it will be on the same day each month)

J

**clint1974** · 17th October 2006 08:58

Enjoy ! I have just won so keep the faith!

**susie-sue32** · 28th October 2006 22:28

Thanks for all your kind words.

Received my sod-off letter from Tommy McLean today. At least we're keeping someone in a job!!

I guess the next step is the lba icon

I'll post it on Monday. I'll keep you all posted.

**susie-sue32** · 28th October 2006 22:40

Question - I've sent all my previous correspondence to RBoS Head Office in Edinburgh. Should I send my lba icon

to Tommy McLean at the Customer Relations address (ie, the address at the top of the letter he sent)? Just typing it now.....................

willowb · 29th October 2006 09:03

Hi

Yes, just deal with Mr T

from now on until if or when the case gets passed on to their litigation team AKA Cobblers!!! LOL

Wxxx

**susie-sue32** · 4th November 2006 14:41

Wow, old Tommy McLean's reply came quicker than I anticipated. As predicted, I received my partial offer letter offering £374.00. I've been reading through the template letters and I'm a bit confused what to do next. I guess I need to write back a 'thanks, but no thanks' letter but I can't find a template for it. Also, what's the next step.

It's all a bit nerve wracking :o , but I suppose that's the banks's intention. They'll be hoping that we all accept the partial offers and slip away quietly!

Clint1974's post restored my faith and gave me the confidence to carry on (thanks Clint

)

**stacymason** · 4th November 2006 23:05

Hiya

Just write back accepting the £374 as partial settlement but say you will be going through the courts for the full amount.

RBS icon

seem to be settling a lot quicker recently so you never know!

Stacy xx

**isidore** · 5th November 2006 01:22

If this helps, I've posted a copy of my partial settlement response in my thread.

T4FF v RBoS

Should expect a full settlement from Big Mac a few days after I would think.....good luck!

**susie-sue32** · 5th November 2006 02:13

Thanks T4FF, that's exactly what I needed. With any luck, I'll get the same response you did!!

I also have a 2nd claim to make on the same account. I live in Scotland so had to keep the total amount under £750 so I've split it into 2 claims. I'll be watching your thread to see how you get on with your claim on your second account. Good luck!

**susie-sue32** · 16th November 2006 00:40

Woo Hoo!!! Right on cue, a letter arrived this morning offering a full settlement

. Thanks to everyone who gave me the confidence to believe this would happen!!!

As I previously said in this post, that was round 1 with RB0S as the total amount I was claiming for was over £750. Todays letter from TMcL states, among other things, "Payment is to be made on the basis of a Full and final settlement of your complaint". Does this mean if I accept this offer I am unable to start another claim? I was very specific with dates on every letter I wrote (ie, this claim is 2002-2004 and the second claim is from 2005 onwards) so I think it's a separate claim, therefore it's OK for me to accept it and start another claim.

Does this make sense?

willowb · 16th November 2006 14:29

CONGRATULATIONS!!!!!

I don't think it makes a difference to your further claims. Check out another thread to do with the process in Scotland and see how they've done it.

Well done
Wxx

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